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About

OUR VALUES

    • Access – We support financial inclusion by developing products that deliver reasonably priced credit to underserved consumers
    • Integrity – We are deeply committed to respecting and doing the right thing for our customers, our partners, our investors, our suppliers, and our employees
    • Fun – We know that a positive outlook and good-natured approach go a long way toward defining and sustaining our unique culture
    • Alignment – We provide incentives and rewards that drive lower prices and higher utility for our customers, and lower risk and higher returns for us

MEET OUR TEAM

Our team includes a unique mix of accomplished financial industry experts and recognized consumer advocacy leaders

Marla Blow

CEO
Marla is Chief Executive Officer of FS Card and a member of the company’s board of directors. Prior to FS Card Marla served as Assistant Director of Card and Payment Markets at the Consumer Financial Protection Bureau. Marla previously spent seven years in a variety of functions at Capital One. Marla graduated from Stanford University Graduate School of Business with an MBA, and also earned a BS degree in Economics from University of Pennsylvania, Wharton.

Marla Blow

CEO

Jodi Golinsky

General Counsel
Jodi Golinsky is General Counsel & Chief Compliance Officer and serves as the Secretary of FS Card's Board of Directors.  She is also a partner at Fenway Summer. Prior to joining FS Card Inc., Jodi was the Deputy U.S. General Counsel for Wonga U.S., where she was responsible for helping to launch a U.S. small business lending platform. Previously, Jodi was Chief Prepaid Counsel at American Express, where she oversaw approximately fifteen new product launches, managed their money transmitter licenses, and served on the Global Prepaid executive leadership team.  Prior to joining American Express, Jodi was Vice President, U.S. Regulatory & Public Policy Counsel for MasterCard Worldwide, where she was responsible for managing all U.S. regulatory affairs and public policy matters.  Jodi began her legal career clerking for the Honorable Denny Chin (SDNY) and for the Honorable Ralph K. Winter (Chief Judge, Second Circuit).  She was then an associate at Davis Polk & Wardwell, where she concentrated on regulatory investigations and securities fraud litigation.

Jodi Golinsky

General Counsel

Tiago Requeijo

Chief Technology Officer
Tiago Requeijo is the Lead Data Scientist and CTO at FS Card, and has led the development of FS Card's underwriting engine. Before joining FS Card, Tiago was a Director at The Rock Creek Group, a global investment and advisory firm based in Washington, DC. He also spent two years with the Securities and Exchange Commission where he focused on quantitative risk assessment for broker-dealers and worked on rules connected to the Dodd-Frank Act. Prior to his work at the SEC, he was an Associate in the Market Risk Management and Analysis group at Goldman Sachs in New York, working on Value-at-Risk and stress testing for equity products. Tiago is also a faculty member in the Finance Department in the School of Business at George Mason University. He earned a PhD in Mathematics from Stanford University and an undergraduate degree in Applied Mathematics and Computer Science from IST in Portugal.

Tiago Requeijo

Chief Technology Officer

Gonzalo Palacio

Chief Marketing Officer
Gonzalo leads Product Marketing and Business Development at FS Card.  He started his career by focusing on data-driven installment loan marketing and product strategy at Capital One.  He then made the leap to consumer banking at Capital One Bank where he led product innovation as the consumer deposit franchise scaled from a regional to a national presence.  Gonzalo is a graduate of Tulane University where he earned an MBA in Finance and a B.Sc. in Engineering Science.  Outside of the office, Gonzalo enjoys traveling with his family, listening to live music, and supporting Liverpool FC.

Gonzalo Palacio

Chief Marketing Officer

Tim Richey

Chief Operations Officer
Tim leads operations and servicing at FS Card. He has 20 years’ experience in process engineering in the banking industry. Tim has also worked as an independent consultant for multiple organizations including Fannie Mae. Tim earned an MIM in International Finance at Thunderbird School of Global Management, an MBA at Willamette University, and a Bachelor of Science at Pitzer College.

Tim Richey

Chief Operations Officer

Ben Edelman

VP Financial Planning & Acting CFO
As Vice President of Financial Planning and Acting CFO for FS Card, Ben manages all aspects of finance including budgeting, forecasting, accounting and treasury for FS Card’s growing business. Prior to FS Card Ben led the Business Intelligence program at the Consumer Financial Protection Bureau. He previously spent 11 years at Capital One, where he led teams analyzing credit risk and financial planning across consumer lending businesses. Ben holds an MBA from the Yale School of Management and a BA in Mathematics from Princeton University.

Ben Edelman

VP Financial Planning & Acting CFO

Kin Chung

Chief Risk Officer
Kin Chung is Chief Risk Officer of FS Card, leading Credit Policy, modeling and risk management of the portfolio. Prior to joining FS Card, Kin was Head of Capital Markets and Chief Credit Officer at Ethos Lending, a mortgage venture launched by Fenway Summer. His experience also includes analytical and risk management roles at AIG, Fannie Mae, and Capital One. Kin holds a PhD in Mathematics from Princeton University.

Kin Chung

Chief Risk Officer

Chris Liu

Sr. Director Operations
As Sr. Director Operations for FS Card, Chris Liu manages business areas including partner relationships, product life-cycle implementation, account servicing, and compliance monitoring. Prior to joining FS Card, Chris served as an advisory trade management consultant for Amber Road and a Global Operations Manager in the Financial Institutions Group for SNL Financial. Chris earned a B.A. from the University of Virginia and an M.A. from Liberty University. He is a certified Project Management Professional.

Chris Liu

Sr. Director Operations

Shubham Rawool

Sr. Director Product
Shubham focuses on business strategy, financial analysis, and product development at FS Card. He has over 11 years of experience in Consulting and Banking and his recent engagements include working in Marketing and Analytics at Capital One, and in Finance and Private Sector Development at The World Bank. He has Masters in Public Policy from Harvard University and MS in Civil Engineering from Texas A&M University. When not in office, Shubham enjoys traveling with his wife and their 3 year old.

Shubham Rawool

Sr. Director Product

Carsten Erner

Sr. Director Credit Risk & Research
As Sr. Director Credit Risk & Research, Carsten integrates behavioral science research with advanced analytics in FS Card’s credit risk management. Prior to joining FS Card, Carsten was a postdoctoral scholar in behavioral economics at the UCLA Anderson School of Management where he led various research projects in the consumer credit space. Carsten holds a Ph.D. in Finance and a Master of Science in Business Management from the University of Münster.

Carsten Erner

Sr. Director Credit Risk & Research

Joy Hackenbracht

Director Digital Marketing
Joy Hackenbracht is the Director Digital Marketing. She directs the development of new digital acquisition channels, builds predictive models to improve marketing efficiency, and identifies target segments to optimize marketing content and placement. Previously, Joy was a research officer with The Pew Charitable Trusts consumer banking project, which focuses on improving the safety and transparency of key banking practices.  She carried out fair lending analyses for the CFPB and behavioral experiments for the IRS as a senior researcher with Fors Marsh Group. Joy is an accredited statistician with the American Statistical Association. She has a PhD in psychology from The Pennsylvania State University and a BS in psychology from the University of Washington.

Joy Hackenbracht

Director Digital Marketing

Meena Jain

Director Data Analysis
As a Director Data Analysis at FS Card, Meena focuses on end to end data management and quantitative analysis of credit card performance.  Prior to joining FS Card, Meena was Senior Financial Data Analyst at First Niagara Bank, where she architected and managed the Quantitative Risk Management database and analyzed product performance.  Meena started her professional career as a Software Engineer at Infosys where she designed and developed various E-banking modules for Finacle – one of the world’s leading banking suites.  Meena earned her Master of Science (MS) in Management Information Systems from State University of New York at Buffalo and a Bachelor of Engineering (B.E.) from Osmania University, India.

Meena Jain

Director Data Analysis

Jesse Mayer

Project Manager
Jesse Mayer is responsible for establishing and managing the company’s credit card marketing campaigns and ensuring the appropriate cycle times and campaign requirements are aligned. Additionally, he plays a key organizational and tactical role at FS Card by helping orchestrate a broad range of projects. He previously filled a similar role at Fenway Summer, a seed investor in FS Card. Prior to Fenway Summer, Jesse was an Executive Assistant at The Boston Consulting Group, and a Scheduler for a United States Congressman. Jesse graduated from The George Washington University with honors.

Jesse Mayer

Project Manager

Stephen Stolzenberg

Business Analyst
Stephen is a Business Analyst at FS Card. Prior to FS Card, Stephen spent a year working as an Operations Manager at two Hong Kong startups: Ivyspace and Foodpanda. He previously spent two years as a Princeton in Asia Fellow in Thailand. Stephen graduated from Princeton University with a BA in German and a minor in Near Eastern Studies.

Stephen Stolzenberg

Business Analyst

Jessica Liao

Statistician
As a statistician at FS Card, Jessica focuses on building cutting edge statistical models to predict customer behaviors. Prior to FS Card, she was an intern at James A. Baker III Institute for Public Policy as a Quantitative Analyst. In addition, she also worked as Data Analyst for Shell Center for Sustainability. Jessica is fascinated about Statistics and Finance. Jessica earned a Master of Statistics at Rice University, and a Bachelor’s degree in Economics at Huazhong University of Science and Technology.

Jessica Liao

Statistician

Thomas Alford

Marketing Manager
Thomas is a Marketing Manager at FS Card. Prior to FS Card, Thomas was a Marketing Lead for Lyft in the DC market where he was responsible for demand-side acquisition and retention, brand, OOH, and paid digital campaigns.  He also spent time at a venture-backed health tech startup and co-founded an e-commerce startup that he successfully scaled and exited after five years. Thomas is a graduate of the University of Maryland, where he played Division I lacrosse, earning a BA and BS. He holds an MA from the University of Southern California and an MBA from Johns Hopkins University with concentrations in Marketing and Entrepreneurship.

Thomas Alford

Marketing Manager

Natasha Wad

Treasury Manager
Natasha started as Treasury Manager at FS Card in January 2017. Prior to FS Card, Natasha spent two and a half years at Blackboard, Inc., where she managed the company’s Global Treasury and Banking Operations. Before joining Blackboard Inc., she worked on project finance in the International Health and Development group at ICF. Natasha is a graduate of the University of Michigan – Ann Arbor.

Natasha Wad

Treasury Manager

Alison Cheng

Office Manager
As FS Card’s Office Manager, Alison Cheng is responsible for coordinating office events, managing schedules, and assisting with various internal processes. Prior to her work at FS Card, she served as a Junior Writer for a government contractor, and as a Research Assistant studying military innovation and adaptation. Alison graduated from Franklin and Marshall College, where she earned her B.A. in English with a focus in Creative Writing and a minor in Government.

Alison Cheng

Office Manager

Rhonda Oye

Legal Affairs Manager
Rhonda is a Legal Affairs Manager at FS Card.  She has over 25 years of diverse legal and business experience covering several industries, in private and public companies, as well as law firms. Prior to joining FS Card, Rhonda served as a consultant at a cyber accelerator called Mach 37. Rhonda also worked as a Legal Manager at LCC International focusing on debt and equity financing transactions, corporate integration and compliance. In addition, she spent five years at E*TRADE where she worked on strategic transactions, regulatory compliance and corporate governance. Rhonda received a BA in political science from Texas Tech University.

Rhonda Oye

Legal Affairs Manager

Gryte Verbusaityte

Sr. Business Analyst
As a Sr. Business Analyst, Gryte is responsible for direct mail campaign analytics and campaign evaluation. Prior to joining FS Card, Gryte worked as a Reporting Analyst at the Rock Creek Group, where she analyzed performance data for institutional investors. Gryte also worked at several non-profit organizations in the Washington D.C. area prior to pursuing her graduate degree. She holds a B.A. in Economics and Foreign Affairs from the University of Virginia and a M.S. in Economic Analysis from the Stockholm School of Economics.

Gryte Verbusaityte

Sr. Business Analyst

Gowtham Ashok

Developer
As a developer at FS Card, Gowtham focuses on designing and building advanced workflows and websites. Prior to FS Card, he was a developer at the University of Maryland. He holds an MS in Human-Computer Interaction from the University of Maryland - College Park and a BS in Computer Science from Anna University in India.

Gowtham Ashok

Developer