About Us


More than 100 years of banking experience

HDCS provides a comprehensive solution to financial institutions that are interested in banking the cannabis industry. There are other companies who approach this problem from a technology or cannabis-centric perspective. But technologists and cannabis entrepreneurs are ill-equipped to help banks navigate compliance.

What sets the HDCS apart is that we offer a “banker led and managed” solution. Our leadership team and network of experts represent more than 100 years of banking and regulatory experience. As a result, we can ensure that your financial institution utilizes best practices to stay in front of the evolving regulations for the cannabis industry.

HDCS Executive Team

Andy Montegomery

Andy Montgomery
Chief Executive Officer

Andy is an entrepreneur with more than 25 years of experience in the banking industry that includes being the CEO and founder of a community bank. He has held various leadership positions for regional and large financial institutions with a focus on digital transformation. This background makes him uniquely qualified to understand what community banks must do to compete in a world that is already digital.

Pat Nicholson

Pat Nicholson
Chief Revenue Officer

Pat has more than 25 years of high-tech experience that includes 16 years at Apple, Inc. and 10 years leading marketing and growth for venture-backed startups in Silicon Valley. Most recently, he served as the CMO for Deserve, Inc., a company in the Accel portfolio that is pioneering Credit Card As A Service for financial institutions.

Becky Postar

Becky Postar
Product and Business Development

Becky is a veteran banking officer of 20 years who has extensive experience in business development, lending, and compliance training for multiple banks. She has deep domain expertise in BSA, AML, KYC and the evolving cannabis regulations.

Chris Gunias

Chris Gunias
Chief Compliance Officer

Chris has 17 years of experience building Bank Secrecy Act/Anti Money Laundering programs for large and complex organizations including First Data Corporation, Western Union, and WorldRemit. Chris and his team are responsible for establishing compliance programs and providing ongoing monitoring for our client financial institutions who work with higher risk industries, including, but not limited to, the Cannabis Industry.

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