When he was 12 years old, Todd Clark remembers opening his first share account at the former Public Service Employees Credit Union where his dad worked. Over the years, his family depended upon what is now the $111 million Access Credit Union in Amarillo, Texas, for financial products and services. Today, at 49, Clark is the new president/CEO of CO-OP Financial Services in Rancho Cucamonga, Calif., and its 3,500 credit union members and their 60 million members are depending on him to lead one of the nation’s largest CUSOs into a future fraught with opportunities, challenges and uncertainties.

With 25 years of experience spanning payments technology, client relations, client services, fraud and networks, Clark brings an entrepreneurial mindset to CO-OP. He co-founded a start-up company, Core Data. When it was sold to Concord EFS, which later merged with First Data, it grew to a $20 million organization and became the second largest ATM processor in the country. Clark spent 22 years at First Data, where he served small banks, credit unions and independent service organizations. Most recently, he was SVP/head of STAR Network and debit processing, where he was responsible for the business unit’s profits and losses, and led a team of more than 600 product, strategy, communications, strategic sales, technology, operations and support employees. He also led the financial institution group at the company, including managing its relationship with Bank of America. What’s more, Clark is a coder and technologist – he learned to write computer code as a hobby while studying math and economics at The University of Texas at Austin. Throughout his career, he has specialized in identifying technology gaps in the market and determining how emerging technology will fill those gaps, all with a goal of uncovering efficiencies for smaller financial institutions.

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Peter Strozniak


Credit Union Times

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