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David Herzfeld is an accomplished financial executive with extensive experience in merchant services and risk management. Currently serving as Senior Vice President of the Merchant Program at BayCoast Bank since March 2016, David manages a multibillion-dollar credit and debit card processing program, overseeing portfolio risk management and transactional analyses. Previous roles include Senior Vice President at Automated Merchant Systems Inc. where daily operations and compliance were managed, and Senior Vice President at SecureNet, LLC focusing on acquiring risk and compliance. David's background also includes leadership positions at Merrick Bank and First Data Merchant Services, with a strong foundation in credit analysis and financial operations that began with early roles at Greater N.Y. Savings Bank and NatWest. David holds a Bachelor of Business Administration in Accounting from Hofstra University.