David Harper
San Ramon,CA
Summary
Dynamic Senior Recovery and Resolution Planning professional with over 8 years of experience supporting U.S. Dodd-Frank Resolution Plans submitted to the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation, as well as Recovery Plans for the Office of the Comptroller of the Currency within a complex GSIB regulatory framework. Key contributor to both domestic and foreign U.S. subsidiary resolution plans, adept at navigating multiple international jurisdictions. Demonstrated expertise in drafting regulatory submissions for U.S. federal banking agencies while effectively coordinating international plan development with host regulators. Recognized for the ability to translate complex financial and structural analyses into clear, audience-specific communications tailored for regulators, executive leadership, and cross-functional stakeholders, all while leading initiatives in matrixed environments to drive alignment and execution without direct authority.
Overview
20
20
years of professional experience
Work History
Senior Treasury Analyst (Recovery & Resolution Planning)
Wells Fargo
San Francisco Bay Area
01.2022 - Current
- Primary drafter of significant amounts of U.S. Dodd-Frank Resolution Plans submitted to the Federal Reserve and FDIC.
- Primary drafter of significant amounts OCC Recovery Plan
- Content review of recovery plans for multiple Foreign U.S. Subsidiaries (across London, Hong Kong, and other jurisdictions.
- Participant, Treasury Immersion Program (TIPS), 2025–2026 —executive‑nominated top‑10 analyst
- Led development of stress scenarios by defining assumptions, severity drivers, and modeled impacts underpinning the regulatory plans
- Prepared forecast regulatory reports and validated key financial inputs for capital and liquidity projections
- Generated capital and liquidity metrics to identify viable recovery options during periods of financial stress
- Reviewed and challenged contingency testing methodology and results for financial‑capability exercises, improving rigor and coverage
- Served as process and control owner, maintaining detailed process documentation and decision records to ensure audit‑ready governance
- Strengthened risk management through rigorous data‑integrity validation and continuous process enhancements
- Collaborated with finance teams to enhance liquidity forecasting processes for improved decision-making.
- Automated reporting processes utilizing advanced financial modeling tools to improve accuracy and timeliness of data delivery.
- Directed strategic treasury projects focused on capital structure optimization and funding strategies across business units.
- Mitigated counterparty risk through regular monitoring of credit ratings, financial statements, and market trends impacting counterparties'' financial health.
Senior Strategy Consultant (RRP Build-Out)
Wells Fargo
San Francisco, CA
01.2016 - 01.2022
- Established foundational infrastructure for initial Dodd-Frank and OCC Recovery Plan submissions.
- Designed standardized narrative templates and designation methodologies (COs, CBLs, MEs).
- Built enterprise-wide assumptions management framework across U.S. and international submissions.
- Led cross-functional and cross-border working groups supporting regulatory defensibility.
- Develop rule mapping structure governing the plan construction
Senior Product Manager
Wells Fargo
San Francisco, CA
01.2011 - 01.2015
- Directed governance framework for multi-product fiduciary services platform.
- Designed regulated distribution strategy across Private Bank and retail channels.
- Authored operating procedures subject to regulatory and probate court scrutiny.
- Implemented documentation controls and oversight reporting.
- Led cross-functional teams to develop and launch innovative financial products aligned with customer needs.
- Analyzed market trends and customer feedback to inform product roadmaps and strategic direction.
- Established key performance indicators to measure product success, driving continuous improvement initiatives.
- Mentored junior product managers, fostering skill development and promoting best practices in product management processes.
- Conducted competitive analysis, identifying opportunities for differentiation within the financial services market landscape.
- Advocated for agile methodologies, streamlining workflows and enhancing responsiveness to changing market demands.
- Established strong relationships with key stakeholders, fostering collaboration across departments for seamless product development.
- Led cross-functional teams for successful product launches, resulting in increased market share.
- Ensured regulatory compliance by working closely with legal departments on necessary documentation and approvals.
- Consulted with product development teams to enhance products based on customer interest data.
Product Manager
Wells Fargo
San Francisco, CA
01.2008 - 01.2011
- Led quantitative analysis of fiduciary product distribution and pricing strategy.
- Built market-sizing and peer benchmarking models.
- Developed financial models supporting product viability and capital allocation decisions.
- Facilitated the development of quantitative analysis and client disclosures, to satisfy client needs, risk tolerances, and regulatory requirements
Created product roadmaps and implemented digital and client‑experience enhancements to drive growth and improve outcomes
Performed usage, pricing, and market analyses to refine product strategy, improve profitability, and maintain governance control - Led cross-functional teams to develop and execute product strategies aligned with market demands.
Strategy Consultant
Charles Schwab
San Francisco, CA
01.2006 - 01.2008
- Developed ~$400MM business case for launch of Schwab Trust Services platform.
- Built multi-year financial models (revenue, cost, capital, NPV).
- Designed operating model and interactive trust platform for RIAs.
- Designed operating model, pricing, and cash-flow analysis in collaboration with Finance, Technology, Trust Services, and Compliance
- Built pricing and cash-flow models (including NPV-based profitability views) and evaluated cost frameworks to support investment decisioning
- Defined product capabilities, workflows, and reporting needs, produced advisor-facing and internal materials to support adoption and control
- Developed pricing and cash-flow models producing NPV insights for strategic investment decisions
- Defined 5 core product capabilities and workflows, crafted a suite advisor/internal materials to boost adoption
- Analyzed market trends to inform long-term strategic planning for financial services.
- Designed and implemented data-driven solutions to optimize resource allocation and efficiency.
- Led cross-functional teams to streamline operational processes and improve client engagement.
- Developed strategic frameworks to enhance investment portfolio performance.
Education
Master of Arts - Applied Economics
University At Buffalo, SUNY
Buffalo, NYBachelor of Arts - Economics
University At Buffalo, SUNY
Buffalo, NYSkills
- Dodd-Frank Resolution Planning (Federal Reserve & FDIC)
- OCC Recovery Planning
- Foreign US Subsidiary (FUS) Resolution Planning
- Critical Operations (COs), Core Business Lines (CBLs) & Material Entity (ME) Designation
- Assumptions Governance & Version Control
- Recovery Option Analysis & Feasibility Assessment
- Regulatory Narrative Development & Agency Submission
- Regulatory Examination & Remediation Support
- Executive & Board-Level Presentation Development
- Cross-Functional & Cross-Border Workstream Leadership
- Capital & Liquidity Stress Modeling
- Financial Statement & Ratio Analysis
- Advanced Excel, PowerPoint, SQL, Tableau, SharePoint
Timeline
Senior Treasury Analyst (Recovery & Resolution Planning)
Wells Fargo
01.2022 - Current
Senior Strategy Consultant (RRP Build-Out)
Wells Fargo
01.2016 - 01.2022
Senior Product Manager
Wells Fargo
01.2011 - 01.2015
Product Manager
Wells Fargo
01.2008 - 01.2011
Strategy Consultant
Charles Schwab
01.2006 - 01.2008
Master of Arts - Applied Economics
University At Buffalo, SUNY
Bachelor of Arts - Economics
University At Buffalo, SUNY