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99FT is led by a team of very experienced financial services executives who have advised, built and operated global fintech companies. Comprised of former CEOs, CFOs, CRO, a regulator, and partners from the largest consulting firms in the world. The 99FT team has previously launched and stood up fully regulated, operational fintech, payments and lending solutions in under 12 months.

I led and built the company’s new LaaS business unit as “employee #1” through the successful launch of the program in multiple partners in 500+ retail locations who were offering our unsecured installment loans.• Grew the initial 6-store pilot with one partner into a 250-store program in 12 months and 550+ stores across multiple partners in 24 months.• Exited the first 12-month period on a >$60M in annualized loan originations run-rate.• Developed the business plan, org structure, GTM strategy and long-term product vision.• Building on the success of our “retail” partnerships, my team built and led the launch of Oportun’s first online POS installment program with Sezzle as our first partner.• Built a robust pipeline of dozens of future partners for unsecured installment loans and POS financing.

Oportun is a mission-driven, technology-powered provider of inclusive, affordable financial services and a certified Community Development Financial Institution (CDFI).I was responsible for the company’s strategic plan, developing and incubating new products, sourcing potential acquisitions and leading the company through the acquisition process from LOI to integration.• Completed to company’s first acquisition, SpringboardAuto, in less than four months. Direct auto loans were available to Oportun customers in Q2 2019.• Developed the initial product plan, built the financial projections and gained BOD approval to launch a new secured installment loan program. The first loans were issued in Q2 2020.• Developed the initial product plan, sourced partner relationships, built the financial projections and gained BOD approval to launch our credit card program. The first cards were issued in Q4 2019.• Led the company’s entry into strategic online marketing and BaaS partnerships.

Elemental is a leading U.S. based engineering and technology company that creates, develops, manufactures, markets and sells innovative, configured and integrated LED lighting solutions.I was responsible for the tactical execution and support of the company's strategic growth plans via the continued development of a fully-integrated 30-person Operations team to include the following departments:- Engineering. We support the design, spec and production of all stocking products alongside custom projects in support of our Business Solutions efforts. In early 2016 we opened our state-of-the-art light lab to provide in-house LM-79 and TM-21 test results. Over 20 patent applications filed in past 24 months with 10 issued and 10 pending. Two of our products, Amber Sea Turtle Flexible Strip Light and Hydrolume, are finalists for the 2017 Sapphire Awards. In 2015, we won our category a 2-in-1 dimmer driver launched under the Switchex badge.- Global Supply Chain. We maintain a robust multi-source global supply chain to ensure a 99% service level goal is met but within an aggressive company benchmark for inventory turn. - Manufacturing. We domestically assemble and finish all custom products sold through the company's custom programs. Since launching in Q1 2015, we have significantly invested in our production capacity to support the custom programs' rapid market adoption and now account for a double digit % of total channel sales in <18 months.- Distribution. We are responsible for receiving and shipping all company products domestically and internationally and have successfully doubled package throughput while decreasing FTE 35% and reducing shipping errors by 50%. - Information Technology. Within 18 months we deployed BambooHR, Trello, Slack, RingCentral, Klipfolio and multiple ERP platform upgrades.

Sociogramics was a pioneering fintech launched in 2011 on the premise that existing scores and methods for sorting and assigning consumer behaviors are obsolete in an era of Big Data. We were leveraging emerging data sets coupled with our team's machine learning expertise to fundamentally improve online identity verification and micro-segment probable consumer behaviors across multiple dimensions. The company successfully launched a commercially viable online identify verification API; however, our core market suffered a series of regulatory setbacks shortly after launch. Our original concept explored several alternatives for using social data in the lending process.1. Loan coaches. Borrowers select validated connections to encourage and coach them on the responsible use of credit.2. Social collateral. Borrower's social media profile(s) as debt collateral. Failure to pay could result in seizure of primary social account.3. Public promise. Social media announcement that borrower had taken out a loan and promised to pay.4. Employment verification. Social and location data to quickly and discretely verify current employment. I joined to run operations, finance and provide daily management in support of Gary Kremen, founding CEO, and jointly develop the company's go to market strategy. In late 2012 I assumed the CEO role as we pivoted away from a broader social media dependent lending platform to an identity verification API. Although we ultimately decided to shutter the company, we did deploy a revenue generating service that was proven to reduce online fraud by >40% at a reduced cost against competing services. Lastly, we successfully "punched above our weight" in gaining market presence through conference speaking engagements, startup competitions, incubator awards and interviews featured in the WSJ and Forbes.Sociogramics was backed by Tugboat Ventures, QED Investors, Trinity Ventures, Greylock Discovery, Harmony Partners and Claremont Creek Capital.

The Sand Hill Angels is a group of successful Silicon Valley technology professionals dedicated to the formation and growth of startup companies.Investor in AppBistro, WaterSmart Software, PicCollage, Liftopia, FlyWheel

Viant Group provides sell-side transaction advisory services to lower middle market and emerging growth companies. I left Viant to co-found build Sociogramics.Engagements included:Strategic advisor to sellers in acquisition of CleanSource Inc. by Interline Brands (NYSE: IBI)Strategic advisor to sellers, and shareholder, in acquisition of SafetyCertified.com by WW Grainger (NYSE: GWW)Provided corporate development and marketing leadership to Purple Wave, Inc., a rapidly growing hybrid online/offline auction company.

As a leader in Online Safety and Risk Management, SafetyCertified has helped thousands of organizations with proven solutions that have educated employees, created safer work environments and significantly reduced workers’ compensation claims.We successfully sold the company to W.W. Grainger in October 2010.I leveraged my experience in company building alongside recent involvement in the online training space to provide the management team with direct angel funding, strategic advice and ad hoc project support.

ClickSafety provides a SaaS platform delivering interactive safety training, individual classes through complete programs, to the construction and general industry verticals. The company was the market leader in online OSHA 10 Hour training and a pioneer in online safety training. ClickSafety was bought by Ascend Learning in November 2008.I was brought in by the Board and Founder to bring the company back to profitability and prepare it for eventual sale. The company had experienced a severe financial loss in 2007, was without sales leadership or direction, had no working accounting system due to a botched implementation and was facing increased market competition. Working with the team at ClickSafety, and in less than a year, we achieved a $2mm positive change in cash flow while solving for the company's internal problems and preparing it for potential sale.The company was approached by Ascend Learning in late 2008 and we successfully sold the company in Nov 2008.

Clean Power Finance was then a seed stage start-up building the first SaaS platform for solar installers to automate their business processes and serve as a distribution point for the company's unique consumer solar financing products. The company has raised over $82 million in equity from Kleiner Perkins, Google Ventures, Claremont Creek Ventures and Sand Hill Angels and over $1 billion in project finance.I was a founding team member and, due to my background in consumer finance and online marketing, served as the company's first marketing person. Left CPF to focus on securing another C-level leadership role but remained as an advisor for three years thereafter. I would later co-found Sociogramics with Gary Kremen, the founder of Clean Power Finance.

FastFind.com was a lead generation platform for mortgage and higher education leads. Company was funded by Camelot Ventures in Feb 2004 and sold to Bankrate.com in Nov 2005.Soup-to-nuts company formation to include:- Initial business plan- Raised $5.5MM in total committed venture capital from Dan Gilbert (founder of Quicken Loans)- Designing and implementing finance and operations groups- Hiring of staff and human resources- Strategic planning- Due diligence for sale- Sale of company in 21 months- CFO/COO from inception to sale- Post-sale integration with Bankrate

Providian was a Top 10 (based on $ amount of outstanding receivables) consumer lender specializing in subprime revolving credit products. The company was acquired by WAMU in 2005.Lead on sale of non-core business units- Sale of GetSmart.com to LendingTree, Inc.- Sale of Providian's Marketing Services Group to Kessler FinancialSale of credit card portfolios- $859MM Providian Bank credit card portfolio- $2.6B subprime credit card portfolio- $8.2B prime credit card portfolioCo-lead on acquisition of the assets of XOLIA.comVenture capital investment of $10MM in PayPal.comManage LP positions of $15MM in total committed capital to two VC fundsNegotiated, closed and implemented co-branded credit card partnerships with OurHouse.com and MortgageIT.comCredit card portfolio modelingAcquisition due diligenceSell-side due diligenceStrategic planning

USI Holdings Corp is a leading provider of insurance and benefits programs to middle market companies throughout the U.S. The company was founded in 1994 as a private equity backed roll-up, went public in 2002 and was taken private by GS Capital Partners in 2007.Financial projections for- $200MM syndicated debt offering through Credit Lyonnais- $125MM private placement memorandum- $150MM high yield debt offeringFinancial forecasting and analysisFinancial consolidationsCompany-wide training and implementation of Comshare financial consolidation software

Managed a multi-million dollar portfolio of receivables across the Midwest.