Mark Dabertin

Mark Dabertin focuses his practice on banking and financial services law. With more than 30 years of experience across government, private practice, and senior legal and compliance leadership roles, Mark advises clients on matters involving safety and soundness, consumer law, anti-money laundering, regulatory enforcement, bank formation and acquisition, and complex financial services contracts.

Mark began his career in financial services as a Senior Attorney with the U.S. Office of the Comptroller of the Currency, where he served from 1990 to 1995. His work at the OCC included contributions to the agency’s Fair Lending Program, for which he received a Special Act Award.

Before joining Cogent Law, Mark served as General Counsel and Chief Risk Officer of Sutton Bank, a leading banking-as-a-service institution and one of the largest issuers of Visa cards by volume in the United States. As the initial incumbent in both roles, he helped transform Sutton Bank’s risk management program into a robust, independent three-lines-of-defense structure aligned with regulatory expectations for a complex institution engaged in nationwide activities.

Mark has also held senior roles in private practice and at major financial institutions, including Bridgeforce Law PC, Pepper Hamilton LLP, Morgan Stanley Discover, JPMorgan Chase & Co., and Citibank. His experience includes advising on bank model lending relationships, payments, prepaid cards, privacy, marketing and advertising, regulatory examinations, compliance structures, earned wage access, merchant cash advance, and other alternative financing models.