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Ron Clarke has been our Chief Executive Officer since August 2000 and was appointed Chairman of our Board of Directors in March 2003. From 1999 to 2000, Ron served as President and Chief Operating Officer of AHL Services, Inc., a staffing firm. From 1990 to 1998, Ron served as Chief Marketing Officer and later as a Division President with Automatic Data Processing, Inc., a computer services company. From 1987 to 1990, Ron was a Principal with Booz Allen Hamilton, a global management consulting firm. Earlier in his career, Ron was a marketing manager for General Electric Company, a diversified technology, media, and financial services corporation.

Experienced leader with more than thirty-five years experience in consumer financial services. Currently serving as President/CEO of Ohio's largest credit union (and in the top forty across the United States). Trustee and former Chair for Wright-State University. Current member on several boards of directors, including Chair of myCUmortgage and Callahan & Associates.

J. Siembieda is a President and Chief Executive Officer at CrossCheck Inc and is based in Albuquerque, New Mexico.

David is a results-focused and driven leader with an unrivaled commitment to customer success. In 2003, David founded SMART Payment Plan and provides daily leadership in all aspects of the company. He is passionate about providing the easiest and most customer-friendly bill payment service in America. Previously, David graduated with honors from SLU School of Law and founded American Legal Funds, a finance company serving attorneys and their clients. In addition to being a customer success fanatic, David enjoys golf, sports, technology, reading, travel and time with his family.