Carl J. Williams has served as a director of the Company since August 2013, as our President since November 2013 and as our Chief Executive Officer since February 2014. In 2015 he was appointed as Chairman of the Board. Mr. Williams was previously an advisor to the Company from April 2010 until Mr. Williams joined our Board of Directors. Mr. Williams was the founder and Chief Executive Officer of Baikal Group, LLC, a management consulting firm, from March 2002. He served as a Managing Director of Pay Anywhere, LLC, a mobile credit card processing system, from May 2012 until July 2013. Prior to that, Mr. Williams served as Advisor of Business Development and International Operations at Global Payments Inc., a payment processing company, from May 2009 until June 2013. From March 2004 until January 2009, Mr. Williams was the President of World Wide Payment Processing for Global Payments. From May 1996 to February 2002, Mr. Williams was President of Spherion Assessment Group, a business unit of Spherion Inc., a recruiting and staffing service. Prior to this, Mr. Williams served as the Divisional President of Merchant Services of National Processing Company, a payment processing company. Mr. Williams holds a B.A. from La Salle University. Mr. Williams brings his extensive experience and knowledge in the payments industry, as well as his perspective as our Chief Executive Officer, to our Board of Directors.


Robert J. Cox III has served as our President and Chief Operating Officer since 2014. He has served as our Senior Vice President, Chief Financial Officer and Treasurer since November 2009. From June 2009 to November 2009, Mr. Cox served as the Chief Financial Officer of Harris Interactive, Inc., a market research firm.  From 2001 to May 2009, Mr. Cox served as the Chief Financial Officer of DealerTrack Holdings, Inc., an automotive retail software solution provider. Prior to that, Mr. Cox served as Chief Financial Officer at Triton International Inc. and Green Stamp America Inc. He began his career as a Certified Public Accountant in the audit practice at KPMG LLP. Mr. Cox holds a B.A. in Accounting from St. Bonaventure University and an M.B.A. from Columbia Business School.

Raymond D'Aponte has served as our Senior Vice President, Finance since March 2014.  From March 2005 to April 2011, Mr. D’Aponte served as Senior Director of Corporate Accounting and Finance of DealerTrack Holdings Inc., an automotive retail software solution provider.  He began his career as a Certified Public Accountant in the audit practice at PricewaterhouseCoopers LLP.  Mr. D’Aponte holds a B.A. in Accounting from Dowling College

Kieth W. Flaherty has served as our Senior EVP Operations & Delivery since November 2006. From April 2002 to November 2006, Mr. Flaherty served as the Chief Technology Officer at Transworld Payment Solutions, a provider of payment solutions. Prior to that, Mr. Flaherty held various senior positions with Bank of Bermuda, Arab National Bank and First Ecommerce Data Services.

Charles Giglia has been an Independent Management Consultant since April 2011, advising businesses on strategic and technology matters. Mr. Giglia was previously a founder of DealerTrack Technologies, Inc. serving as SVP Chief Information Officer from 2000 through 2009 and thereafter as Senior Vice President until 2011. As part of the executive team that spun off Dealertrack from JP Morgan Chase, Mr. Giglia helped build DealerTrack into a public company, as a leading provider of on demand solutions for the retail auto industry. Mr Giglia joined JP Morgan Chase in 1976 and rose to a position of VP Software and Infrastructure Engineering – Chase Retail Lending, in which capacity he served from 1994 until 2000. Mr. Giglia holds a BS in computer science and a MBA in management, with a specialty in management information systems from New York Institute of Technology.

Jason Taylor has served as our Chief Information Officer since June 2009 and from November 2006 until his promotion in June 2009, served as our Senior Vice President of Card Systems and Quality Assurance. From October 2001 to October 2006, Mr. Taylor was Manager, Card Systems, at TransWorld Payment Solutions, a third party payment processor. Mr. Taylor holds a Business from Kwantlen University.