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Richard Cooperstein, PhD, is a finance expert serving as Director of Alliances and Policies at Andrew Davidson and Company, focusing on mortgage finance policy. Prior to this role, he held senior positions across the financial sector at prominent organizations including Freddie Mac, Ocwen, HSBC Securities, RMIC, and Ranieri Partners. During his early career, he served as a senior economist at both the General Accounting Office and the Office of Management and Budget, acting as chief architect of Credit Reform. Throughout his decades in the industry, he managed risk portfolios for a government-sponsored enterprise, a mortgage insurer, and a servicer, while securing a copyright for a mortgage valuation platform. As a published author and highly experienced speaker, his professional focus remains centered on applied option pricing, mortgage market risk, and the broader economics of financial policy.