We're proud of our best-in-class team members.

CEO Spencer Schmerling

Spencer Schmerling, CEO

Decades of experience in leadership roles. Expert at marketing, technology, and finance.


Eric Tamke, VP Operations

Focused on implementation, operations, and compliance of issuer card programs that support prepaid cards and wearable payment technology.


John Bamforth, Chief Technology Officer

Certified Master Six Sigma Black Belt, founding members of Virgin Mobile USA , and also holds active certifications in HIPAA, ITIL, CoBIT, business continuity, and Kaizen.

Director of Programming & Development Keith Sumner

Keith Sumner, Director of Programming & Development

Experienced systems architect having delivered enterprise level systems. Provides guidance and leadership for development team.

Director of Customer Happiness Sarah Zeal

Sarah Zeal, VP of Happiness

Management positions in sales, marketing and customer service provide the foundation. Driven to satisfy the customer and provide a WOW experience.