Our Team
David Gold
David Gold is the Founder and Managing Partner of Golden Peak Advisors. He has over 25 years of experience as a Senior Executive for the 2 largest card issuers: JPMorganChase and American Express. David has extensive business development, contract negotiation, P&L management, marketing and partner experience in the credit card, Co-Brand, and loyalty space. He maintains a large network of key relationships across issuers, networks, and industry participants.
Most recently, David was President of Symple Loans, a fintech consumer lender based in Toronto. Along with his team he built, grew, and sold a successful financial services startup.
Prior to starting Golden Peak Advisors, he was Managing Director of Partnerships at JPMorganChase. He led all aspects of the United Airlines Co-brand business, including full P&L management, marketing, media, negotiations, and senior level relationship management. He also created and launched the highly successful Ultimate Rewards loyalty program, Chase travel and experiential programs and various other initiatives.
At American Express he worked in numerous senior roles across the company including Membership Rewards, Co-brand, Corporate development, marketing, and loyalty where he negotiated numerous Co-brand and other partner agreements.
Bruce Sibley
Bruce Sibley recently joined Golden Peak Advisors a Partner focused on Cobrand and Business Development. Sibley has over 30 years of experience in the payments industry, having worked with multiple leading card issuers, networks and industry consultancies. He has extensive experience in business development, contract negotiations, strategic planning, product and P&L management, card portfolio acquisitions, and partner management.
Sibley began his career in payments as one of the first consultants at First Annapolis Consulting. Subsequently, Sibley worked at American Express in all three issuing lines of business (consumer, small business and commercial). Sibley led business development at MasterCard and Capital One. At Fifth Third, Sibley was responsible for consumer payment products.
Over the course of his payments career, Sibley had responsibility for multiple loyalty programs, including Membership Rewards and Open Savings. Sibley also successfully negotiated cobrand and other loyalty program partnership deals with multiple leading partners across key verticals, including airlines, hotels and retailers.
Steven Jacowitz
Steven Jacowitz is a Partner at Golden Peak Advisors focusing on credit card Co-brand negotiations and payments. Formerly he was the Managing Director at Auriemma Consulting Group, a consultancy specializing in the credit, debit, and private label card markets. Mr. Jacowitz has substantial expertise in the consumer credit business, including operations, collections, finance, strategy, and marketing. He has led over 75 private label/cobrand transactions between merchants and issuers.
Prior to joining Auriemma, Mr. Jacowitz served in a variety of credit positions at major retailers. He is particularly knowledgeable on key trends in the payment and card space and its effects on retailers (rising interchange rates, co-branding relationships, and private label portfolios).
Mr. Jacowitz spent seven years as the Vice President of Credit at Saks Incorporated. His previous roles included Vice President of Credit positions at Bloomingdale's and Filenes, dating back to his start in the retail credit industry in 1978. Mr. Jacowitz also consulted through his own firm in the mobile wallet space for Softcard (formally Isis Mobile Commerce, now acquired by Google) and Samsung Pay. He recently completed assignment for a prominent retailer, an international hotel chain, and an online travel agency.