David Potterton

Vice President of Global Research, IDC Financial Insights

David Potterton is Vice President of Research for the Global Banking, Insurance, Capital Markets and Risk Management practices.  These advisory services cover retail banking, cash and treasury management, payment services, insurance, core corporate banking technologies as well as capital markets and risk.

His 25 year career in financial services as a practitioner, market researcher, and consultant has involved extensive interaction within investment banking, corporate cash and treasury management, and retail banking operations.  With his experience in both domestic and wholesale banking, product development, business development, and product management, Potterton understands not only the research business, but the specific challenges and opportunities that financial services firms face. His career at several high profile banks gives him a practical and highly relevant perspective on the issues.

In his most recent role, Dave was Vice President and Group Manager/Consultant for the End to End Process Review Team, an internal consulting group within JPMorganChase.  In this role, Dave led multiple engagement teams in End to End process reviews across JPMC business units globally focusing on opportunities for process improvement and risk identification.  Prior to this position, Dave was Senior Business Strategy Manager within the Client Access group of JPMorgan Treasury Services where his role was to provide strategic direction and business thought leadership for the development and deployment of wholesale financial services. In addition, throughout his career, Dave has served in senior product management roles all focused on driving growth. At JPMorganChase and BankBoston, he was charged with developing ways to retain customers, increase their share of wallet, and drive new account activity.  Prior to JPMorgan Chase and BankBoston, Potterton was at Wachovia as vice president and group product manager. In this role, he was heavily focused on information reporting and money transfer products strengthening the product set and driving change as new products were brought to market.  Along with his financial institution experience, Potterton also was a research director within the wholesale and eFinancial group at Meridien Research with specific focus on eBanking which allowed him to leverage his real world experience in this area.  In addition, Dave was a financial analyst at Manufacturer's Hanover Trust and then a commercial business development officer at Provident Bank.

Jeanne Capachin

VP, Financial Insights Global Banking and Insurance Practices

Jeanne Capachin is the Research Vice President for the Global Banking and Insurance practices. Capachin has more than two decades of experience working in and consulting to the banking industry. Capachin works with the global analysts to develop the client driven research agendas, our spending forecast methodologies and guides, and oversees the Financial Insights ranking programs.

Capachin has more than two decades of experience working in and consulting to the banking industry. Throughout her career she has taught thousands of bankers, vendors, and regulators about banking and payment systems issues and trends. She has also participated, on both a national and an international level, in developing training programs and has spoken at a variety of conferences on topics such as industry trends and spending patterns, electronic payment trends, regulatory issues, and strategies for success. As a banker, Capachin led post-acquisition systems integration teams, managed large operations teams, and led product development efforts.

Before joining Financial Insights, Capachin was Director of Education with the New England ACH Association (NEACH). In this position, she was responsible for the association’s educational offerings. Prior to joining NEACH, Capachin held positions in product management, operations management, and systems development and integration at Bank of Boston and Guaranty Bank and Trust. Capachin has over 15 years of banking experience with these two institutions covering many functional roles.

Capachin holds her CCM and AAP designations and is active in local and national industry trade organizations. Capachin holds a Bachelor of Science Degree from Worcester State College in Urban Studies and Economics. Capachin is a frequent speaker at industry conferences and is often quoted in publications throughout the world including the BBC, Business Week, The Wall Street Journal, The American Banker, Bank Systems and Technology, Bank Technology News, Treasury and Risk Management, and The Industry Standard. She has authored research on a range of topics including spending trends, treasury management, payment initiatives, security issues, and other financial services topics.

Dana Wiklund

Research Director, Risk Management, IDC Financial Insights

Dana Wiklund is a research director for the Financial Insights' Risk Management Advisory Service specializing in portfolio management, business analysis, risk modeling, and decision support technologies in the form of predictive modeling.

Wiklund, a 20+ year financial services industry veteran, has multifaceted experience in credit risk as a practitioner and a consultant. Dana has led and participated in the development of generic and customized decision support products and solutions across risk, marketing, collections and financial business problems. Other areas of experience include macro analysis of the consumer economy and evaluation of advanced modeling techniques.

Before joining Financial Insights, Dana was most recently the chief risk officer (CRO) for The Education Resources Institute (TERI) responsible for planning and directing portfolio management, business analysis, risk modeling, cash flow and NPV analysis, including loan loss reserve appropriateness and loss prevention programs for a student loan guaranty portfolio exceeding $20 Billion. Prior to TERI, Dana managed an Equifax Predictive Sciences business unit of 22 consultants throughout the U.S. and had overall management responsibility for sales, development and decision support technologies in the form of predictive models, business intelligence and data attributes to over 300 customers across a number of industries. While at Fleet Financial Group, Dana was AVP, Consumer Risk Management for the Credit Scoring Strategies Group and managed scoring related projects which maximized the effectiveness of origination strategies to 25,000+ applications decisioned monthly across Installment, Credit Card, Equity and Cash Reserve products over a 6 state area. Additional financial services experience includes portfolio accounting and client services at State Street Bank and Trust.

Wiklund holds a Certificate of Special Studies (CSS), Administration & Management, from Harvard University, completion of the American Bankers Association, National Consumer Credit School program and a BS, Finance-Economics, from Massachusetts College of Liberal Arts. Wiklund has contributed to a number of credit risk publications including Handbook of Credit Scoring, Elizabeth Mays, Editor, 11/00 ISBN 1-888998-01-8; Project Management for Credit Scoring, Credit Scoring for Risk Managers, Elizabeth Mays, Editor, Q1 2003 publishing; Credit Scoring and Risk Based Pricing: An Income Statement Approach; and has produced a number of white papers including; An Analysis of Consumer Level Debt Service Across Income Ranges Before and After an Economic Recession and Low to Moderate Income Score Validations.

Marc DeCastro

Research Manager, Consumer Banking and Credit, IDC Financial Insights

As an industry veteran, Marc provides extensive information technology expertise to assist other IT managers with all facets of web based technologies for online strategies within financial institutions including home based banking, bill payment, check imaging, cash management services for corporate and legacy system data transformation.Marc's most recent industry experience at Eastern Bank, the largest independent, mutually owned bank in New England, with more than $6 billion in assets and more than 70 branches was the Vice President of Administrative Systems and eSolutions. Marc has experience in multi-factor authentication for a variety of online banking products and services, including electronic banking and bill pay through PDA's and other mobile devices. In addition, during his tenure at the bank, developed and delivered the bank's "QuickConnect" product, a 100% e-enabled customer data interface (Eastern bank was first bank in US to achieve this system integration).