Serving as CEO for Cr24, the leading software intelligence products company focusing on digital asset compliance within Digital Marketing and eCommerce channels for the Financial Services Industry, Rewards, and related eCommerce. Josh is committed to building company and brand equity through innovative corporate architecture, and engineering products and services for specified markets. Developing business models that scale, enrich company culture, and excite sustainable P&L. Josh is passionate about seeking the best mixture of organic and leveraged success by developing market share, investment, and M&A strategy with company, industry partners, and board teams.

Cr24 is an Ai software product company, enabling the digital marketing sector, by changing the current eCommerce content development, testing, and deployment paradigm. Cr24's cloud-driven SaaS software catalyzes Clients marketing operations and lift in B2C, and with B2B channel partners, for eCommerce campaigns within global Financial, Health Services, and online Loyalty Retail markets. Cr24’s CONVERGENCE-method focus for marketing, design, and technology intelligence stays far in front of the increased speed-of-inquiry of today’s digitally-socializing consumer. Cr24’s benchmark ējis® product suite deploys to ensure stronger digital asset functionality and compliance, and consumer activity and revenue models for Client success. ējis® patent-pending platform and APP's, enable millions of consumers and their Client organizations to meet this ever-increasing need, every day.In the CSO role, Josh lead forward-evolving brand, sales and business development practices together for Direct-to-Client and distribution programs. He also lead the overall sales sequence and assists with business development architecture and modeling for the development of specified verticals for Cr24 products and services. Josh’s experience with directing, building, and expanding vertical market presence with Visa, Capital One, IBM, Kyndryl, AT&T, Barclaycard US, PNC, Vanguard, TD Bank, and Bank of America, along with his development of B2B partnerships, and opening markets for company products and services, fueled Cr24’s revenue and expansion plans.

Blispay is a financial technology company backed by FirstMark Capital, NEA, Accomplice, Camden Partners, F-Prime and Founder Collective. With a founding team of experienced industry veterans from Bill Me Later, PayPal, Bank of America, and MBNA, we're pioneering the next generation of point-of-sale financing. Blispay is an everyday financing solution that customers deserve and merchants need.

Zenbanx is not a bank … its better. Zenbanx is a financial technology company that created a mobile multi-currency account for people who live, work or travel across borders. The Zenbanx Account is offered through regulated financial institutions and combines the convenience of a mobile bank; the security of a regulated bank; and significant value over the competition. Zenbanx account customers have the advantage of exchanging money when the rates are favorable, holding up to five currencies, earning interest on their savings, and sending money internationally for an unrivaled flat fee. Simplicity, security and value, all in the palm of your hand!

DecisivEdge is a business consulting and technology services company with deep experience, fresh perspectives and global delivery capabilities. Our mission - "to deliver value beyond what our clients imagine". Targeting the broad Financial Services domain, DecisivEdge has a particular focus in Retail Banking, Credit Cards, Student Lending, Consumer Finance and Insurance.

Reported directly to C-Level and served as strategic leadership executive for the financial services vertical for Trellist Marketing and Technology. Responsible for setting the financial services vertical’s overall vision and strategy, developing corporate affiliates/partnerships, guiding development of client relationships and leading the company’s efforts to accelerate long term sustainable growth. Lead a dedicated team to support Trellist’s financial services clients with business strategy, marketing and branding, education and eLearning as well as IT and application development services that drive value and deliver positive ROI for clients.

Managed a dedicated team, with director and leader level reports. Managed day-to-day activities involving the provision of turn-key professional services solutions, including business strategy, marketing and branding, IT and application development, and eLearning to Fortune 500 financial services clients.Structured strategic proposals, negotiated business terms, and closed sales transactions. Leveraged market and industry knowledge and experience to help clients maximize their returns. Functional areas of responsibility include operations, sales, marketing, and finance.

Directed all digital and customer experience initiatives across all Trellist Marketing and Technology professional services practice areas.

Responsible for all online rewards properties including corporate vision, long-range strategic planning, project management, operations management, and core processes. Direct all sustaining operations for installation and service enhancements to online rewards properties. Develop online marketing strategies for rewards Customers to promote loyalty, reduce call volume, and increase value proposition. Provide strategic direction for online rewards customer experience that adds value and promotes product differentiation.

Oversaw the strategic direction, vision and management for the online customer experience and the internal customer satisfaction applications for the loyalty and rewards enterprise platform.

Full responsibility for the strategy and management of MBNA’s online bill payment and presentment, servicing over 7 million Customers and executing over $42 billion in online payments in 2004.

Responsible for leading enterprise online projects from conception through implementation while keeping expenses within budget guidelines. Developed strategy and execution/operational plans. Partnered with and managed various internal and external stakeholders to ensure optimum resource allocation while attaining project deliverables in a timely manner.

Managed rapid deployment product innovation and market research lab with fully integrated product development, internal market research, consumer marketing and technology functions for U.S. credit card.