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David
Espenschied is a cofounder and partner in Espenschied Business Group, Inc.
David has broad experience in the financial services industry including banking,
mortgage, insurance and investments and has worked with all of these businesses
both on the web and in traditional channels. |
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David
Espenschied was Chief Executive Officer of the e-Business Division of Countrywide
Home Loans, Inc. (CHL), the largest direct lender online and the
company Gomez Advisors calls "the leading clicks-and-bricks online lender" for
its offline/online integration strategy. CHL is the primary subsidiary of
Countrywide Financial Corporation (NYSE: CFC), a Fortune 500 financial
services company. |
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| | | David spearheaded Countrywide's online business development, working closely with eBD's technical unit and the leadership of Countrywide's corporate divisions and subsidiaries. His focus included the initiation of new online business ventures and the development of e-business prototypes, marketing plans and affiliate relationships, as well as overseeing site content development and workflow. While David was at Countrywide the penetration of the online channel grew from less than 5%, to over 50% of all originations. | | | |
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| | | That position expanded on David's previous responsibilities as Senior Vice President of Internet Marketing. In that role, he implemented an aggressive Internet strategy and began his work of successfully integrating all Countrywide online properties, coordinating the development and production of new sites, and assisting in the introduction of e-commerce applications throughout the company. | | | |
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Prior
to Countrywide, David was the President of Lombard Brokerage (now part of
Harris Direct), a company InformationWeek called "the leading web-based securities
broker" at
the time. Lombard was acquired by Dean Witter Discover and Company and renamed
Discover Brokerage prior to Espenschied's departure. In this capacity,
he focused on all aspects of running a small start up, including Internet
applications. Lombard was the second firm with online trading and David was
responsible for helping Lombard grow its customer base and ensure high levels
of customer satisfaction. During his tenure, the customer base doubled in
a six-month period. David was also responsible for developing new business
lines and opportunities as well as ensuring that Lombard's use of technology
delivered meaningful information and value to its customers. This effective
use of technology to better serve customers is what distinguished Lombard
from its competitors. |
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Espenschied
began his financial services career more than 20 years ago at California
Federal Bank. He held several management positions at Cal Fed, including
Vice President of Residential Lending and Director of Marketing for the Investment
Services Division. In that capacity, he was responsible for marketing and
sales strategies and is credited with dramatically increasing loan originations.
Espenschied also previously served as President of Countrywide Financial
Services Corporation, a subsidiary of Countrywide Financial. |
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| | | David's expertise in online financial services has been quoted in numerous publications including American Banker, the Los Angeles Times, the Washington Post, San Francisco Chronicle, Mortgage Technology, Business 2.0, and InformationWeek. He has spoken at conferences by Forrester Research, Jupiter MediaMetrix, American Banker, and the California Bankers' Association. Espenschied earned his degree from the University of Illinois and lives in Thousand Oaks, California. | | | |
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