David is an attorney, author, consultant, nationally recognized trainer, Certified Fraud Examiner and Partner in the law firm of Reed and Jolly, PLLC. David provides guidance to financial institutions concerning the establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, corporate governance and more. His engaging speaking style has garnered his status as a regular lecturer nationwide on topics such as regulatory compliance, governance, examination planning, consumer lending, bankruptcy and collections. He has trained financial institutions in all 50 states and over a dozen foreign countries. A former trial attorney and Vice President and General Counsel of Apple Federal Credit Union, David is particularly noted in the areas of credit union operations, compliance, governance, security, bankruptcy and collections. He has been selected to train federal and state field examination staff on numerous issues, including BSA, field of membership, ID theft red flags, S.A.F.E. Act, third-party contract management, cybersecurity and bankruptcy. He also serves as a frequent contributor to numerous industry publications. David received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989. He resides in Fairfax, Virginia, with his wife Diane and an odd assortment of cats.