David Bright
Attorney at Law
Massachusetts
MA
About
experience
Representative Clients
Practice Areas
Client Reviews
"David was a core legal architect behind the Apple iPhone Upgrade Program, helping structure a first-of-its-kind consumer finance platform in partnership with Apple. He guided us through complex regulatory, contractual, and operational issues with clarity and precision, ensuring that the program was both innovative and compliant. His ability to balance business goals with legal risk made him an invaluable asset throughout development and launch. A true strategic partner from start to finish."
"David played a key leadership role in navigating the complex separation agreement between Citizens Bank and the Royal Bank of Scotland. His deep understanding of banking regulations, attention to detail, and steady negotiation style helped ensure a smooth and strategic transition for the business. He collaborated across internal and external stakeholders and was instrumental in preserving value and managing risk throughout a high-stakes process. Truly exceptional work."
Work History
SweetPay LLC
General Counsel
Jun 2020 - Present
• Lead legal, strategic, and business operations for a multi-lender fintech platform specializing in consumer finance.
• Negotiated all investment and partnership contracts with banks, credit funds, and service providers.
• Structured and launched vertical financing platforms, including elective medical, home improvement, and education.
Holland & Knight
Of Counsel
Aug 2017 - Jun 2020
• Advised financial institutions and fintech firms on strategic partnerships, product launches, and structured credit offerings.
• Acted as outside general counsel to Axos Bank on multiple fintech investments and partnerships.
• Supported Citizens Bank in structuring and implementing upgrade programs with Apple, Microsoft, and Amazon.
Citizens Financial Group
Senior Vice President and Senior Counsel
Oct 2009 - Dec 2016
• Lead transactional counsel for complex debt and equity investments, including structured fund investments, asset acquisitions, and platform sales.
• Structured GP-aligned partnerships with consumer lenders and technology firms.
• Key architect of the Apple iPhone Upgrade Program, a first-of-its-kind consumer finance platform.
Brown Rudnick
Partner
Sep 1998 - May 2011
• Advised institutional investors, REITs, and Fortune 1000 companies on commercial transactions and corporate governance.
• Structured complex real estate investment vehicles, joint ventures, and large debt financings.
• Served as outside general counsel to Teradyne, Inc. and local counsel to Biomed Realty Trust.
• Negotiated $650M construction loans, multi-phase mixed-use developments