Todd H. Baker is a board member, investor, academic, and strategic advisor focused on the digital transformation of financial services.

Mr. Baker is currently a Senior Fellow at the Richard Paul Richman Center for Business, Law and Public Policy at Columbia Business School and Columbia Law School, where he works on policy issues arising from the digital transformation of financial services and teaches an advanced financial technology seminar for law and business students.  He is also the Managing Principal at Broadmoor Consulting, LLC, which provides strategic consulting services to FinTech and financial services companies at all stages of development. Mr. Baker serves as a member of the board of directors  and chair of the credit committee at Accion Opportunity Fund, the nation's leading nonprofit small business lender, a member of the Academic Research Council at the Urban Institute, a Limited Partner Advisor at Nyca Partners, a leading fintech-focused venture capital firm, and an investor in financial technology firms. He has published several academic papers and written articles for publications including the Financial Times, The Wall Street Journal, the Harvard Business Review and the American Banker.  He speaks frequently at industry conferences and is widely quoted in the financial and technology press as an industry expert.

Mr. Baker had a 14-year career as the chief corporate strategy and development officer at three large domestic and international retail, commercial and corporate banking organizations: MUFG Americas Holdings/Union Bank NA, TD Bank, N.A., and Washington Mutual, Inc. In those executive roles he managed, at various times, strategic and financial planning, acquisitions & divestitures, investor relations, performance management, venture capital investing and competitive intelligence and successfully led many transactions on behalf of his employers.

Prior to his business roles, Mr. Baker spent two decades as a San Francisco-based corporate partner with the international law firms Gibson, Dunn & Crutcher LLP and Morrison & Foerster LLP, where he represented management, boards and investment banks in all manner of corporate and securities matters and led scores of large-scale M&A transactions and financings involving banks, technology companies, finance companies, mortgage lenders, credit card companies, savings banks, commercial lenders, and investment firms.  

During 2016-2018, Mr. Baker was a Senior Fellow at the Mossavar-Rahmani Center for Business & Government at the Harvard Kennedy School.  His research interests and published papers at Harvard included work on the role of FinTech and employers in providing alternatives to payday loans and other types of short-term, small-dollar credit for low-income working Americans in the digital age.  He was an adjunct Professor at Stanford Law School during 2021.

Mr. Baker is a graduate of Dartmouth College (A.B. summa cum laude 1978) and Stanford Law School (J.D. 1981), where he was a member of the Stanford Law Review.