David Harmer
President and Chief Executive Officer at Freedoms Foundation At Valley Forge- Claim this Profile
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Spanish Limited working proficiency
Topline Score
Bio
Rob Markiewitz
David and I worked together during Ally's re-entry into the Direct to Consumer Mortgage initiative. David's strong understanding of the Mortgage Legal and Regulatory space was critical to the team's efforts. His plain English approach in explaining the legal intricacies of the challenges and options faced by the business enabled the team to make well-informed decisions. I found that I could call David at anytime, and he was always willing to jump in and help. I completely trusted David and his teamwork served as an example for all to emulate. I look forward to working with David again one day.
Bradley Heitzmann
David and I worked together at Ally while David helped to provide legal counsel and I led the Risk group covering mortgage. David was very thorough and added a bit of wit to his replies. He was always very friendly when we met face-to-face. I knew I could count on his legal advise as he conducted careful research.
Rob Markiewitz
David and I worked together during Ally's re-entry into the Direct to Consumer Mortgage initiative. David's strong understanding of the Mortgage Legal and Regulatory space was critical to the team's efforts. His plain English approach in explaining the legal intricacies of the challenges and options faced by the business enabled the team to make well-informed decisions. I found that I could call David at anytime, and he was always willing to jump in and help. I completely trusted David and his teamwork served as an example for all to emulate. I look forward to working with David again one day.
Bradley Heitzmann
David and I worked together at Ally while David helped to provide legal counsel and I led the Risk group covering mortgage. David was very thorough and added a bit of wit to his replies. He was always very friendly when we met face-to-face. I knew I could count on his legal advise as he conducted careful research.
Rob Markiewitz
David and I worked together during Ally's re-entry into the Direct to Consumer Mortgage initiative. David's strong understanding of the Mortgage Legal and Regulatory space was critical to the team's efforts. His plain English approach in explaining the legal intricacies of the challenges and options faced by the business enabled the team to make well-informed decisions. I found that I could call David at anytime, and he was always willing to jump in and help. I completely trusted David and his teamwork served as an example for all to emulate. I look forward to working with David again one day.
Bradley Heitzmann
David and I worked together at Ally while David helped to provide legal counsel and I led the Risk group covering mortgage. David was very thorough and added a bit of wit to his replies. He was always very friendly when we met face-to-face. I knew I could count on his legal advise as he conducted careful research.
Rob Markiewitz
David and I worked together during Ally's re-entry into the Direct to Consumer Mortgage initiative. David's strong understanding of the Mortgage Legal and Regulatory space was critical to the team's efforts. His plain English approach in explaining the legal intricacies of the challenges and options faced by the business enabled the team to make well-informed decisions. I found that I could call David at anytime, and he was always willing to jump in and help. I completely trusted David and his teamwork served as an example for all to emulate. I look forward to working with David again one day.
Bradley Heitzmann
David and I worked together at Ally while David helped to provide legal counsel and I led the Risk group covering mortgage. David was very thorough and added a bit of wit to his replies. He was always very friendly when we met face-to-face. I knew I could count on his legal advise as he conducted careful research.
Credentials
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Massachusetts Bar (retired)
Massachusetts Board of Bar OverseersJan, 2000- Nov, 2024 -
Utah Bar (inactive)
Utah State BarJan, 1994- Nov, 2024 -
California Bar (inactive)
State Bar of CaliforniaJan, 1988- Nov, 2024
Experience
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Freedoms Foundation At Valley Forge
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United States
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Civic and Social Organizations
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1 - 100 Employee
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President and Chief Executive Officer
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2018 - Present
Subscribe to email updates: https://www.freedomsfoundation.org/support/join/ Subscribe to email updates: https://www.freedomsfoundation.org/support/join/
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Ally
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United States
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Financial Services
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700 & Above Employee
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Counsel
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2011 - 2017
• Enterprise-wide regulatory-compliance counsel to largest direct/online bank ($70 billion in retail deposits; $115 billion in consolidated assets). • Advised chief compliance officer through build-out of compliance organization and resolution of enforcement actions from multiple regulators. • Interpreted Dodd-Frank requirements; developed related policies, procedures, and governance protocols. • Supported launch of two new lines of business: mortgage origination and credit cards. • Authored Regulatory Bulletins explaining issuances from the Consumer Financial Protection Bureau, FDIC, Federal Reserve, Utah Department of Financial Institutions, and other regulators. Circulated to board of directors, CEO, and senior executives. Show less
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JPMorgan Chase & Co.
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United States
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Financial Services
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700 & Above Employee
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First Vice President & Assistant General Counsel
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2001 - 2009
• Supported Card Services division (12 million MasterCard and Visa customers; $27 billion in managed receivables) through successive acquisitions, ensuring that both in-house and outsourced functions complied with consumer financial laws and industry standards. • Simplified processes and strengthened controls to eliminate inefficiencies and mitigate risk; developed formal legal and compliance review process to approve proposed communications, initiatives, and transactions. • Negotiated and drafted contracts; managed consumer and commercial litigation and arbitration. • Participated in trade associations including ACA International, the Association of Credit and Collection Professionals, where I served on the Strategic Planning Committee (2004-2008) and the National Legislative Council (2002-2008), ultimately chairing the latter. • Predecessor entities and roles: Washington Mutual Bank (acquired by JPMorgan Chase, Sept. 2008), designated successor to divisional general counsel; Providian Financial Corp. (acquired by Washington Mutual, Oct. 2005), Senior Vice President & Associate General Counsel. Show less
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The Heritage Foundation
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United States
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Think Tanks
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300 - 400 Employee
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Bradley Resident Fellow
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1995 - 1996
Researched and advocated market-oriented approaches to education reform. Researched and advocated market-oriented approaches to education reform.
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ExCEL (Excellence through Choice in Education League)
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Greater Los Angeles Area
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President
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1992 - 1993
Led sponsoring organization of statewide education reform initiative. Led sponsoring organization of statewide education reform initiative.
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O'Melveny & Myers LLP
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United States
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Law Practice
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700 & Above Employee
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Associate
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1990 - 1991
Participated in complex commercial litigation. Participated in complex commercial litigation.
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Pacific Legal Foundation
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United States
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Law Practice
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1 - 100 Employee
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Fellow, College of Public Interest Law
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1989 - 1990
Advocated 1st and 5th Amendment rights through appellate litigation. Advocated 1st and 5th Amendment rights through appellate litigation.
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United States Senate
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Legislative Offices
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700 & Above Employee
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Counsel, Committee on the Judiciary
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1988 - 1989
Advised on legislation and nominations; specialized in constitutional law. Advised on legislation and nominations; specialized in constitutional law.
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Education
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1985 - 1988
Brigham Young University—J. Reuben Clark Law School
Doctor of Law - JD, Law -
1979 - 1984
Brigham Young University
Bachelor of Arts - BA, English Language and Literature/Letters
Community
