Rich Freyberg is a senior-level executive with over 35 years experience in Information Technology and Financial Services. He has a pr oven track record of applying emerging technology to strategic business problems. Rich was formerly the CIO of Schwab Capital Markets, a Managing Director of Syndicated Lending Technology at Bankers Trust and a First Vice President of Retail Technology at Security Pacific. Prior to these positions he started up several successful software development companies; specializing in distributed, mission critical banking applications. Rich holds Bachelor of Science and Masters of Science degrees in Electrical Engineering and Computer Science from M.I.T. Rich is currently on the Advisory Boards of Northstar, Xtiva, Certagon and Mainsoft; on the Board of Directors of IO-Informatics, APCaP and Gold Medal Foundation.