President, CEO & ChairmanContact
Gary’s committed to solving problems and adding value in ways others can’t, won’t or don’t – and Payall was formed from this passion. Gary identified that many corporations have special situations – from operating across multiple-jurisdictions to depending on independent agents or contractors, and these create complex challenges for making and receiving payments. In these instances, acquiring processors, issuing processors, FinTech companies and regulated entities simply fall-short of exactly what’s needed. And this is where Payall shines. Gary’s role at Payall is to lead the solution-development and positioning to ensure clients are delighted.
In 1997, Gary co-founded WildCard Systems. The company became the global leader of Visa, MasterCard, Discover and American Express branded prepaid cards providing services to top-tier financial institutions and non-banks around the world. The company was acquired by eFunds in July 2005 for USD $262 million.
At eFunds, Gary served as Executive Vice President of Global Strategic Business Development and was part of the executive team that sold eFunds to Fidelity National Information Services (NYSE: FIS) in September 2007 for $1.8 billion USD. Gary worked as a part-time advisor at FIS through 2009.
Since 2009, Gary’s been an active investor in and advisor to FinTech companies and related businesses including co-founding Adaptive Payments which MasterCard acquired in 2015. He was also a co-founder and former Chief Executive Officer of Wavecrest Holdings (Gibraltar), which he exited in 2012. And in 2016, he made a large investment in and became Chairman of TECS, a global payment processing leader based in Vienna, Austria.
Additionally, he’s a former director of the Electronic Funds Transfer Association, founding director and former Chairman as well as President of the National Branded Prepaid Card Association; and Gary served as a director at the Center for Financial Services Innovationuntil his 10-year term limit expired in 2015.
Partner, Administration & FinanceContact
Sam has been an Executive in Financial industries for over 30 years. He began his career at the Chase Manhattan Bank and progressed to Managing Director at JP Morgan Securities in Investment Banking. In 2002, Sam became Founder and CEO of Advanse Finance, a Consumer Lending Company. This Company achieved profitability of over $3M within three years and achieved an IRR over 20% at exit. Since 2007, Sam became Managing Partner of Tri-Arc Financial Services, the oldest Insurance Brokerage in Pennsylvania operating in diverse Insurance and Financial Markets.
Sam joined the Payall Team in March 2019.
David Friedman serves as CFO of Payall, and is an experienced technology entrepreneur and executive, having successfully founded and raised capital for several companies in Silicon Valley. Dave is the advisor to several start-ups, and is also currently the chairman of Ayla Networks, a leading Internet of Things (IoT) platform and AI company that he founded in 2010 and where he served as CEO for eight years. At Ayla, Dave successfully raised more than $125 million dollars from global financial and strategic investors, structured cross border joint ventures, and built partnerships with some of the world’s largest companies to help build one of the leading companies in the IoT space, with customers and offices spread globally.
Prior to Ayla, Dave was an early executive at ZeroG Wireless(acquired by Microchip), Matrix Semiconductor (acquired by Sandisk) and much earlier in his career, Dave worked in the mergers and acquisitions group at Chase Bank. Dave has an MBA from the Ross School of Business at University of Michigan, and a BA from Colgate University. Dave holds six US patents.
Senior Vice President of OperationsContact
Ana is passionate and inspirational about ensuring Payall users have an exceptional experience and that our services deliver on our commitment to solve problems in ways others don’t or can’t. From collaborating with business customers regarding their forecasts and ensuring sufficient resource capacity is available or scheduled, to using the enhanced information dynamics of the Payall platform regarding user activity and transactions and our next generation fraud mitigation tools and account security protocols – Ana’s team delivers exceptional results by using information and planning accordingly.
She leads all operational activities including user enrollment and boarding, compliance activities, user support for businesses and individuals, third party relationships, financial services including funding and settlement, and maintaining the product roadmap by embracing user feedback and, along with her executive partners, integrating ideas that Payall believes will improve and enhance the value proposition.
While we’ve developed and refined our procedures to support our commitment to delight users, Ana and her team also embrace a simple, but powerful, idea when confronted with difficulties – “think, use common sense” and allow this to guide them in taking the necessary steps to overcome encountered difficulties.
Ana has extensive experience in FinTech and was previously the Project Manager of Paynet, Moldova’s first eWallet & Loyalty Program delivered via mobile devices, enhanced POS and web. She joined Paynet at their founding and was instrumental in leading not only the development team for mobile, web and POS product development – but business analysis, product design, creative professionals, user interface experts, and compliance to ensure all eMoney regulations were followed.
Prior to Paynet, for more than a decade, Ana worked in various management positions in banking and was Deputy Head of the Bank Department of a leading Moldovan bank where she was credited with guiding the design and development of new product innovations, as well as overseeing all aspects of business operations in the areas of banking, cards and payments.
Ana worked closely with every department of the bank as well as the National Bank, Visa, Mastercard and other partners throughout her career – she’s an expert on banking, payments and operational excellence.
At Payall, Ana is an inspirational executive not only because of her extensive experience, but her commitment to coaching and mentoring, objective use of information in decision making, attention to detail – every detail, and unwavering passion to delight users with the best product and services, supported by a team of well-trained associates who share her passion for excellence.
Sales & PartnershipsContact
At Payall, Mark is responsible for strategic partnerships, business development and overall market growth. Mark’s passion to assist others, coupled with his end-to-end knowledge of protection of intellectual property, guidance and managerial experience, product development, sales leadership, as well as Payall’s flexibility to engage with deal constructs that ensure clients achieve their goals ensures Mark is a client’s best advocate and partner.
Mark has been counselling established and new companies with respect to their intellectual property, sales and marketing for over 20 years. Among other things, Mark has provided technical assistance in complex patent litigation, including a novel 20-year patent case that spanned 3 continents. In his practice, Mr. Gregory has counseled several du Pont Corporation spin-offs, including Remington Arms and he assisted those companies in their management and protection of their worldwide trademark portfolios as well as in the preparation of patent applications that were key to financial performance.
Moreover, Mr. Gregory has been counsel to companies in Delaware and in China, including Diversitech, which is headquartered in Shanghai. Mark also worked as counsel, regional director of sales and Vice President of DMW Marine Group, where he supervised the emergence of the company from a related bankruptcy and managed the company until it regained its position as a leading manufacturer of offshore lifting devices for material and personnel. Mark specialized in sales to government organizations and offshore oil operations and getting the lifting devices approved by ABS and other regulatory bodies.
In his intellectual property practice, Mr. Gregory also has helped develop and protect ScheduleMe, a unique, one-click agnostic scheduling app, funded in part by Microsoft.
Sales & PartnershipsContact
Chris is responsible for leading the strategic growth initiatives at Payall. For the last 20-years, he’s been at the intersection of disruptive technology and opportunity. At Payall, he’s following the same orientation and passion. Chris engages the marketplace, listens the to client’s needs and delivers a truly unique and differentiating platform perfect for the client.
His entire life and career have been defined by entrepreneurial initiatives that have resulted in the creation of several successful businesses that flourish today. They’ve encompassed retail, technology, payments and data driven analytics. For example, Chris was the first to deploy and utilize point of sale, SKU level data collection and analytics to deliver incremental revenue for the retailers. This is also the subject of several US Patents that Chris was awarded.
Chris’s approach to the marketplace is relationship and results based, with a unique addition of a networking multiplier. He not only listens and works collaboratively to deliver the product that clients want versus what others have to sell, his deal constructs always align interests. Chris ensures he only wins when his clients win. This approach is compelling when compared to the typical “here’s our product, here’s our fee schedule”. This is only possible because of Chris’s unique set of skills, broad network, diverse technology experiences, as well as his ability to consider those in his network who may represent complimentary partners who can increase revenue, data collection or product perfection.
Prior to Payall, Chris founded Mid-States Sales & Marketing, PlusNetMarketing, Ohana Companies, Inc and Goliath Payment Solutions, Inc.
Steve’s responsible for leading the product and technology development as well as operations at Payall. Since 1994, he’s been at the fore-front of acquiring processing (POS, CNP, mPOS), prepaid issuing processing including open/closed and enhanced networks, ACH, progressive compliance systems, fraud and risk management, loyalty systems, mobile and web technologies and specialized payment and data processing for purpose-specific needs. His extensive knowledge of the arcane rules, procedures, and players in the payment processing and banking platforms is surpassed by his passion to mentor, train and develop his teams as well as delight clients with services that are secure, adaptable, resilient and scalable.
Moreover, Steve has both led and personally delivered, pioneering architecture design, applications in numerous languages, data center design and build-out, and management of encrypted, high-availability, complex payment processing solutions for start-up organizations that were acquired by major corporations.
Steve also has an unusual aptitude to work in small, privately held companies, as well as serving as a technology leader and senior executive in public companies responsible for thousands of IT and operations professionals on multiple-continents.
As a globally recognized payment processing expert, he’s led the technology activities in multiple companies, including WildCard Systems, eFunds, Wave Crest and Fidelity National Information Services. His work has been recognized for its pioneering approach and industry-changing results. In fact, while Chief Technology Officer at WildCard Systems, he originally designed and built a truly native prepaid using system that was certified by Visa, MasterCard, Discover, American Express, Union Pay International and others. Even after two corporate acquisitions, the prepaid card platform still stands today as the primary prepaid solution for FIS, where Steve demonstrated his ability to successfully manage and evolve the platform through a series of acquisitions and mergers.
Steve also served in the United States Army where he learned to fly helicopters and parachute, and he finished his bachelor’s degree in biology from the University of Maryland. He also has a master’s degree in Computer Science from Nova Southeastern, as well as two doctorate degrees from Stetson University - one in mathematics and the other in computer science.
Fraud & Risk Management DirectorContact
Petru’s nearly 10 years of extensive experience in compliance, fraud and risk mitigation, product innovation and development and oversight of all user interactions with top banks further strengthens our business operations leadership team.
He directly supervises compliance, fraud & risk mitigation, user enrollment and user activity with Payall services and products – giving him an end-to-end ability to ensure all interactions are efficient, high-quality and constantly improved.
Because of his direct oversight of user enrollment and activity, as well as his deep and wide professional experiences in acquiring, issuing electronic payments and banking, Petru also contributes to the product roadmap, ensuring Payall is innovating and delighting users with new services and capabilities.
Highlights from Petru’s past include Chief of Product Development Unit, Operational and Fraud & Risk Management Officer, Head of Card Payments Security & Risk Division, Chief of Operational & Credit Risk Unit and Credit Risk Manager. Petru excelled at these roles and was specifically responsible for designing a world class risk and fraud management system for a leading Moldovan financial institution for their issuing and acquiring businesses, guiding the design of dispute resolution tools and procedures to ensure both regulatory compliance and properly investigated and processed claims, ensuring compliance with ever-changing rules and regulations from the National Bank, creating merchant underwriting procedures to ensure quick and fact-based decisions that achieved the bank’s objectives, interfaced with law enforcement for cyber-crime and other matters, key contributor to technical designs including data flows and storage techniques to ensure PCI DSS compliance and extensive experience in all aspects of payment and account security from the use of PINs and tokens, to enhanced-practices for user authentication.
Petru is a key leader on Ana’s team and at Payall.
Silvia is the backbone of Payall’s financial department, leading a group of highly skilled professionals, working on financial models, budgeting, and accounting. While managing and reporting on financial data, creating constant scenarios, metrics, and insights, Silivia is able to manage the company’s financial risks.
It is the “behind the numbers” attitude that drives her to meet the company’s objectives in the very dynamic FinTech landscape. Her team transforms some of the most complex financial models into simple, easy to understand and digest overviews to ensure client and partner happiness.
With 10 years of progressive experience in the finance sector including an exceptional background utilizing data from diverse financial and information systems, Silvia is a specialist in IFRS Standards and Feasibility Analysis.
Prior to joining the Payall team in 2018, Silivia worked for a leading Moldovan bank for 9 years, climbing the ladder as Chief Economist in the Financial Economic Department and eventually becoming Deputy Head of Monitoring Key Performance Indicators Division. She then held the position of CFO for Titan Holding Group where she worked directly with the CEO providing strategic recommendations and oversaw the preparation of all financial reporting.
At Payall, the fast pace of change in the financial sector makes Silvia and her team adapt efficient cost strategies depending on the company’s product offering. Her punctual and determined work ethic provides crucial monitoring of the company’s growth.
Marketing & Communication DirectorContact
Nicoleta is the motivated force behind Payall’s UX/UI, digital marketing and sales support team ensuring quality product overview and design, goal-oriented messaging and tangible results for the company. From working on product roadmaps, to supporting sales and overseeing the creation and implementation of digital marketing strategies, Nicoleta executes on all of these to support Payall’s endeavors and make ideas come to life for clients.
Nicoleta’s experience in the FinTech industry started when she was an asset in launching Paynet, Moldova’s first regulated first eWallet & Loyalty Program delivered via mobile devices, enhanced POS, where she contributed to product definition, oversaw the implementation of the UX & UI’s for web and mobile apps, along with managing the product’s market launch. An integral part of the project was developing a loyalty system from scratch and a solution for merchants to pay and get paid, together with Ana Novorojdin.
While Nicoleta originally started her career in journalism, her innate passion for communications built an extensive background in digital marketing within the tourism, fashion and foreign social development industries where she worked and consulted on several projects with prominent brands. It was there that she developed her skills in Copywriting, Proofreading, Social Media Marketing & Planning, Social Research, Strategic Planning and Event Management before taking on her own team at Payall.
Now at Payall, Nicoleta’s self-starter nature and passion for the industry and building the best product experiences for both businesses and individuals ensures results, from thoughtful communication between clients and users alike, as well as delivering fast-paced results from marketing initiatives, and assist Payall’s sales team to the fullest. She uses her keen eye for design and innate curiosity to keep a driven team to constantly find new solutions to the everyday challenges the FinTech industry proposes.
Compliance & Legal AdvisorContact
Robert guides Payall in compliance and all legal matters. He works closely with The Payments Services Regulator, HM Treasury and the Financial Conduct Association and other compliance and industry bodies to ensure compliance. Much of what Payall has developed and is pioneering requires thoughtful analysis and review. Moreover, the legislative & regulatory environment is always changing, and Robert provides essential guidance in the evolution of terms, conditions and functionality.
Additionally, with more than 25-years of experience in the cards and payments industry, Robert is noted for his knowledge of e-money, emerging payments, consumer finance, consumer protection, banking regulations, compliance and data protection.
Robert was nominated No. 1 in the Payments 2015 Power 10, and as one of the Top 10 Payments Lawyers by PayBefore in 2015. He was also named Best Industry Contributor at The Prepaid Awards. And others in the legal community have recognized his special expertise by naming Robert in Legal 500 and Chambers UK 2016 (Band 1 for Financial Services: Payment Law by saying "he is an extremely prominent figure in the payments industry, having gained significant experience in the area from years' worth of high-profile activity as it has developed. He is noted for his work with e-money in particular.")