Stephen Goodrich
Chief Executive Officer

Former CEO and Founder of First Merchants Bancard Services (FMBS) servicing approximately 20,000 merchant sites processing in excess of $1.5 billion annually.

Richard Borts
Chief Financial Officer

Formerly Vice President of Finance at Cendant Corporation’s Cheaptickets.com and Wright Express, LLC, and Vice President of Risk Management at Citibank. Richard also served as Chief Operating Officer of Roadsmith, Inc. an internet-based commercial vehicle management company.

Ron Greenberg
Chief Operations Officer

Formerly a Vice President at Visa International, Ron has been active in the payment services field since 1982 where he was a founding employee of BuyPass. Ron also provided consulting services to several major banks, the USDA for their EBT programs, as well as managing the development of payment services software for National Processing Company and Oasis Technology

Tricia Bride
Director, Merchant Services

Formerly Assistant Vice President at Chittenden Bank, Tricia has over 16 years experience in the credit card processing industry. In addition, Tricia has also served as the Operations Manager of Merchant Services as well as the Sales/Support Co-coordinator and the Operations Supervisor for the Customer Service and Chargeback teams.

Maria Luisa De Luca
Director, Risk Management

Luisa formerly worked with First Merchant Bancard Services, (FMBS) as the Director of Risk Management. While at FMBS she was responsible for the review of over a $1 billion Merchant portfolio. Luisa also previously served as Vice President of Risk then Vice President of Operations at Vision Payment Solutions. Luisa is one of the founders and partners of the Institute for Italian Studies, a newly formed company that promotes the Italian culture, traditions and language.

Jud Smith
Vice President, Affiliate Relations

Formerly VP of Operations and Risk Management at First Merchants Bancard Services (FMBS). Jud was responsible for monitoring nearly 20,000 merchant sites processing 1.5BB in annual charge volume limiting losses to less than 100K annually.

Jim Raftice
Director, Underwriting

Jim formerly worked at Ford Motor Credit Company for 7 years as an Auditor and Customer Service Supervisor in both Maine and Florida. Upon return to Maine Jim worked in the Underwriting Department for First Merchants Bancard Services (FMBS) and following that served as Vice President of Underwriting at Vision Payment Solutions before joining the PowerPay team.