Daniel F. Walsh | Source | Vice President, Marketing Strategy at Bank of America
Daniel F. Walsh
Daniel F. Walsh is a seasoned executive with over 25 years of experience leading strategic initiatives in the credit card, loans, and banking sectors. With deep expertise in credit risk management, data analytics, and regulatory compliance, Daniel has played a pivotal role in driving growth and operational efficiency for some of the world’s largest financial institutions, including Barclays Bank, TD Bank, Bank of America and UBS.
Throughout his career, Dan has led high-impact projects, optimizing credit data processing, integrating advanced MarTech platforms, and developing data governance frameworks that ensure compliance with evolving regulatory landscapes such as CCPA, CPRA, CCAR, and Basel III. His ability to transform data into actionable insights has enabled institutions to enhance loan product offerings, reduce operational costs, and mitigate risks while maintaining a firm commitment to consumer privacy and regulatory standards.
In his recent role as Vice President, Head of US Marketing Data Strategy at Barclays, Daniel led efforts to migrate critical marketing and credit risk platforms to Adobe Campaign and Salesforce, streamlining operations and generating over $2B in loans. He also led the bank’s response to key privacy regulations, achieving significant savings through compliant and efficient data handling solutions.
An expert in building and leading cross-functional teams, Daniel is recognized for his ability to bridge the gap between data strategy, credit risk, and business growth. His contributions have not only driven financial success but have also earned him recognition as a thought leader in the industry, with a focus on credit cards, loans, and data-driven banking solutions.
Daniel holds a degree in Finance from Indiana University’s Kelley School of Business and actively holds leadership positions in community-focused organizations, reflecting his commitment to driving positive impact both in and outside the banking industry.
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Credit Strategy Advisors
President -
Bank of America
Vice President, Marketing Strategy -
Barclays
Vice President, Head of Marketing Data Strategy
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Understanding BNPL: Risks, Benefits, and Responsible Use
Daniel highlights that BNPL plans, while popular, don't improve credit scores as they often don't report to bureaus. He advises understanding cash flow and setting up auto-pay to avoid fees. "BNPL's rise is linked to the subscription model trend," shifting consumer behavior from large purchases to manageable payments. -
Credit Expert Explains Soft vs. Hard Credit Inquiries
Daniel explains, "Soft inquiries occur during pre-qualification and don't affect your credit score. Hard inquiries happen when you apply for credit and can impact your score." With 25 years of experience, Daniel offers tips on minimizing credit impact and maintaining good credit.
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"As credit card products evolve, so must our approach to credit risk. Predictive analytics and real-time data processing are enabling us to better assess risk, offering safer, more flexible products to a wider range of consumers."
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"Regulatory shifts, such as GDPR and CPRA, are reshaping how we approach consumer data in the credit card industry. Banks that prioritize data governance will lead the way in building stronger, more transparent customer relationships."
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"In the credit card space, reducing acquisition costs while enhancing customer experiences requires seamless integration of technology and data platforms like Adobe and Salesforce. It's all about precision in targeting and efficiency in execution."
