@ Co-founder, CEO, unFederalReserve
Howard is a Co-Founder and CEO of unFederalReserve with nearly 25 years of banking, structured finance and treasury management experience. He specializes in the pricing of fixed income securities and complex financial instruments including convertible securities, warrants, options, embedded derivatives, swaps, leases, contractual arrangements, asset-backed securities (ABS), and collateralized obligations (CXOs). He is a Managing Director at the 7th largest accounting firm in the U.S., and formerly a Big-4 Senior Manager responsible for a variety of risk-based pricing assignments. Prior to his stint in public accounting, Howard worked at Wells Fargo and HSBC as pricing lead for various consumer and commercial products, where responsibilities included the design, testing, implementation and operation of various loan pricing tools.