Carmela leads product and other core functions.  She brings 15 years of payment integration experience from VISA and PayPal where she worked on mobile and ecommerce products live Visa Checkout. 

Michael leads development and integration services.  He has set up our tech stack and mobile app.  He has over 20 years of architecture and engineering experience in payment services.

Heather leads strategy, growth, and other core functions. She is a serial founder with 3 exits after a career at IBM. She brings deep insights about consumers and rewards programs.