Make it clear
Turn complexity into practical, plain-language choices.
Toronto · Banking + data
I make complicated questions feel a little more manageable.
I’m David—a client-focused banking professional, mutual fund licensed through the IFC, and a computer science graduate. I enjoy the point where clear thinking, useful technology, and human trust meet.
- Personal Banking Associate at TD
- Investment Funds in Canada
- BSc, Computer Science
01 · About
Analytical by training. Relationship-led by nature.
Banking taught me that a good answer is rarely just a product or a number. It starts with listening closely, understanding what really matters, and explaining the next step in language someone can actually use.
Computer science trained me to break large problems into smaller ones. I bring both habits to my work: structured thinking without losing the person on the other side of the conversation.
I care about trust, sound judgment, and doing the right thing when the answer is not obvious. I’m also the person who will happily spend an evening exploring a new tool, reading about a market idea, or getting absorbed in a strategy game.
Earn the trust
Be thoughtful, follow through, and never treat suitability as a shortcut.
Keep learning
Stay curious about markets, people, systems, and better ways to work.
02 · Selected work
Finance, explained through things you can explore.
Featured live simulator
Protective Put Simulator
An educational portfolio-insurance tool for exploring how protective puts reshape a $10,000 S&P 500 position across expiry, early crashes, time decay, and historical stress periods.
Explore the simulatorInteractive analysis
Credit Card Analytics
A hands-on exploration of personal-finance data that turns spending patterns into a clearer, more useful decision surface.
Open credit-card analyticsHow I evaluate ideas
A repeatable research process
Start with the question, define the evidence, test assumptions, show the trade-offs, and state what would change the conclusion.
03 · Away from the desk
The person behind the work.
Work matters, but it is not the whole person. These are a few things that keep me patient, playful, and curious.
Games & strategy
I like the kind of game that rewards patience, pattern recognition, and one more attempt after the obvious plan fails.
Technology & tinkering
Small builds, new tools, and the quiet satisfaction of understanding why something works.
Stories & ideas
Books, podcasts, and conversations that leave me looking at a familiar problem from a different angle.
Coaching & team spirit
Coaching badminton taught me that calm feedback and shared momentum can change how a whole group performs.
04 · Contact
A good conversation is a useful place to start.
If you’re hiring, building something in finance, or simply thinking through an interesting problem, I’d be glad to hear from you.