P2P Cash Management

Thomas Meredith - Chairman and Chief Executive Officer

Mr. Meredith has significant Internet, financial services and telecommunications experience. He started his computer career with Digital Equipment Corporation when the first 32-bit architecture was introduced. He was one of the original team of the first Apple clone manufacturer, Franklin Computers, managing 11 Western states and over 800 retailers. He was the Federal Systems Director for Lisp Machine, a leading artificial intelligence company.

Mr. Meredith was founder of VoxLink and led the company to become the leading innovator of voice mail and e-mail integration. He founded one of the first game companies on the Internet, Internet Gaming; responsible for processing the first significant volume of credit cards internationally on the Internet. Mr. Meredith has years of experience consulting to the financial services industry, primarily in automation of mortgage and credit/debit card processing.

Mr. Meredith is a graduate of the Harvard Business School specializing in Entrepreneurial studies and the Stanford University School of Engineering where he graduated in three years on Academic Scholarship. He has a working knowledge of French and Spanish.

Morris Mwanga - Chief Technology Officer

Mr. Mwanga is one of the world's leading experienced mobile wallet technology developers. Prior to pursuing an advanced degree in Computer Science, Mr. Mwanga spent three years developing a competing mobile wallet to the world's most successful mobile wallet system, M-Pesa. He led the development effort overseeing the entire programming staff. During this development effort, Mr. Mwanga acquired extensive banking integration expertise complementing his previous experience with mobile communications technology and PBX applications; both key components of mobile wallet technology.

In addition to his mobile wallet development management expertise, Mr. Mwanga has over 11 years in direct programming experience. He received his Bachelor of Technology in Computer Engineering from Moi University, Kenya and received his Computer Science Master's Degree at Kennesaw University.

Kern Lewis - Vice President, Marketing

Mr. Lewis is a veteran marketing professional with 25 years of experience in financial services. Prior to joining P2P Cash, he spent eight years in the mortgage business directing marketing programming for World Savings and CMG Mortgage. At World Savings he led efforts that doubled customer retention rates in the face of intense competitive pressures during the refinancing boom. At CMG he directed the introduction of the Home Ownership Accelerator loan product, which created a profitable new niche in the mortgage industry. To support the product launch, he led recruitment efforts that attracted and trained over 10,000 loan agents in a two-year period.

Mr. Lewis began his career with American Express in their merchant services division, tasked with deepening merchant acceptance through the attraction of new merchants and by developing programming to retain and expand existing merchant relationships. He left AmEx to manage credit card marketing for Great Western Bank before dedicating two years to serve as a business educator and small business advisor in Ukraine and Albania with the United States Peace Corps. Mr. Lewis has an MBA from Harvard Graduate School of Business and a BA in Economics from Stanford University.

Donald Chapman - Vice President, Global Business Development

Mr. Chapman is a financial services technology and payments professional with over 12 years of experience in IT, consulting and business development. Prior to joining P2P Cash he helped establish and launch a real-time global payments network (PayNet) for Fidelity National Information Services (FIS), a Fortune 500 financial technology firm. He also spent eight years in corporate consulting, working with clients like Wyeth Pharmaceuticals, Prudential Financial, Discovery Communications and Ocean Spray Cranberries.

Mr. Chapman graduated from Providence College where he was a Division 1 NCAA lacrosse player and member of the Dean's List. He earned his MBA with an Investments concentration from Babson College's F.W. Olin School of Business; ranked #1 in Entrepreneurship by U.S. News and World Report in 2014 for the twenty-first consecutive year.

Peter Carruthers - Director of Compliance and Foreign Exchange

Mr. Carruthers' career spans 25 years advising Fortune 500 and institutional clients on FX risk management. He focuses on providing highly effective, innovative FX solutions to long-term clients. Mr. Carruthers practiced FX advisory for 15 years at Citibank, the last six years as Director of Capital Markets. He also worked at Credit Suisse/First Boston, Bank of Nova Scotia and Royal Bank of Scotland. Mr. Carruthers received his Bachelor of Science in Finance and a minor in Accounting at Manhattan College and a Masters in Business Administration at Fordham University. He is NFA Series 3 registered and FINRA series 7 and 63.

Dennis Goodenough, VP Platforms

Mr. Goodenough has over 30 years experience in Financial Services. He spent 11 years at SWIFT, the financial messaging cooperative, responsible for large account management, business development, partner management, communications and regulatory relations. Dennis spent 5 years at the DTCC, the U.S. market's central securities depository, resolving STP issues, reference data, and the move to T+3 settlement cycle. During an 11-year tenure at American Express, he held positions of increasing responsibility in finance, operations and marketing. Dennis remains active with a number of U.S.-based industry organizations including ISITC, SIFMA and the Asset Managers Forum. Dennis holds an MBA in finance/marketing New York University's Stern School of Business and a BA from Hobart College.

Juan Soto - Director, Business Development (LATAM)

A payment industry veteran having spent his entire career in the point-of-sale, transaction processing and merchant acquiring marketplace. Most recently, Juan founded Tesoro Payment Solutions, a merchant services and consulting practice targeting the Hispanic and underbanked markets in the U.S. Juan has held senior sales management and business development positions in different industry verticals including stints at Fleetcor (fleet card issuer & processor), Planet Payment (dynamic currency conversion processor), Noblett & Associates (payment technology consultancy), Chase Merchant Services & NaBANCO (credit card merchant acquiring), and IVI Checkmate/Ingenico (POS equipment manufacturer). Juan holds a Bachelor's Degree in Business Administration from Florida International University in Miami, Florida where he majored in Finance and Marketing. He also holds technical and pre-engineering associate degrees and is fluent in Spanish..

Advisory Board

Leonard H. Schrank

Leonard Schrank was CEO of SWIFT from 1992 to 2007, the Brussels based industry owned global financial messaging system which supplies secure standardized financial messaging services and interface software to some 8,000 financial institutions in 200 countries. SWIFT is overseen by a senior committee drawn from the G-10 central banks given its critical role in international payments. Following the attacks of September 11, 2001 Mr. Schrank oversaw the relationship with the US Treasury Department and other countries on counter-terrorism issues. Mr. Schrank, an MIT graduate, currently serves on a number of international boards including leading international bank, HSBC.

Brian W. Smith

Mr. Smith has a 42-year involvement in the financial services industry. His roles have included as SVP General Counsel and Corporate Secretary of MasterCard International where he was a member of the Office of the President; as Chief Counsel and Member of the Policy Group of the Office of the Comptroller of the Currency and, as a senior partner in several multinational law firms - most recently Latham & Watkins, LLP - where he headed those firms' financial regulatory practices. He is a member of the Boards of Directors of several companies and of a charitable foundation.

Mr. Smith is a recognized expert in the laws and regulations applying to banks and other financial services firms and in payments systems and products.

P2P Cash Consultants

Stephen Gross

Steve Gross is the Founder of HLB Gross Collins, an international accounting firm. Over 35 years, he has raised hundreds of millions of capital for companies including A.L. Williams Life Insurance, WebMD, NetEffect, and HotPalm Currently, Mr. Gross provides strategic, advisory and investment advice creating wealth for stakeholders. Steve is a licensed CPA, Chartered Global Management Accountant, Certified Fraud Examiner, Certified Valuation Analyst, and is Certified in Financial Forensics. He is a member of the Institute of Business Appraisers, the National Association of Certified Valuation Analysts, and the Association of Certified Fraud Examiners. His past Directorships include the Mutual Funds of Van Kempen, Morgan Stanley Dean Witter and Citigroup Smith Barney.

Nabil Kabbani

Mr. Kabbani is currently CEO of Account Control Technology. Previously, he was General Manager of Vigo and Orlandi Valuta at Western Union. He led the organization globally complementing the traditional Western Union product offering. Nabil was also President and Chief Executive Officer of Omnex Group, a financial services company providing money transfer and transaction processing services to the under-banked and underserved ethnic markets.

Prior to joining Omnex Group, Mr. Kabbani had a 10-year career at Western Union. He was General Manager, Middle-East and North Africa where he had responsibility for over $200MM in annual revenue, generating $60MM EBITDA. Mr. Kabbani, as VP, developed the US/Canada international bound business to exceed $500MM in revenue with 43,000 Agent locations in North America and 210 countries and territories served.

Prior to Western Union he had a wide range of banking experiences and helped start one of the first credit card operations in Lebanon. Kabbani holds a Masters Degree in Banking and Finance from the American University and an Economics undergraduate degree from St. Joseph University. In addition, he has participated in leadership and management programs at Harvard Business School, MIT and the Leadership Institute.

Jay Postma - Money Transfer Compliance

As founder and President of MSB Compliance, Inc., Jay has extensive experience in providing money transfer compliance advice. He is advising P2P Cash regarding acquiring money transfer Licenses in the states that require them and FinCen approval at the Federal level.

Ken Slutsky - Human Resources

Ken has over 25 years of experience in Human Resources management. He has conducted a study on behalf of P2P Cash and has recommended an outsource vendor (Administaff) for payroll and employee benefits package management. He will assist the implementation, but will not be available full time.

B.M. Khanna - India

Mr. B.M. Khanna has vast experience in the telecom field serving the Indian Government's Dept. of Telecom (DOT) for over 40 years, holding several key positions.

Mr. Khanna most recent position was as Chairman & Managing Director of Mahanagar Telephone Nigam Ltd., a public telecom company, serving two of the largest cities in India, Delhi and Mumbai. During his tenure as CEO of MTNL, over seven years, MTNL was recognized as amongst the five most efficiently managed Public Sector Undertakings in India. For his outstanding achievements, several awards were conferred upon Mr. Khanna: Telecom Man of the Year Award and Shiromani Vikas Award presented by the Rev. Mother Teresa at Kolkata.

Previously, Mr. Khanna was the CEO of Indian Telephone Industries (ITI) at Allahabad and Deputy Director General responsible for the formulation and implementation of the long term planning for Indian Telecommunications at Telecom Headquarters. He was the senior expert with the ITU at Addis Ababa for the implementation of PANAFTEL SYSTEM for the Africa Region. Prior to that, he was Director Long Distance at Telecom Headquarters. He also was Director, Microwave Projects at Mumbai responsible for installing new systems in the Western Region of India from scratch.

Mr. Khanna consulted to several Multinational corporations including: AT&T, NCR, Lucent Technologies, Arraycom, Hughes Network Systems, HCL Infosystems, American Tower Corporation and CH2M Hill. As a senior member of the telecom fraternity in India, Mr. Khanna has been associated with the Confederation of Indian Industries (CII) and Fellow of the Institution of Electronics and Telecom Engineers at the key policy planning level. As a member of the CII's National Telecom Council, he has been intimately involved in several key telecom policy initiatives taken by the CII, as also the regulatory issues affecting the Telecom Industry in India.