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An accomplished business executive with more than 20 years of global management experience across a diverse set of industries, Patricia sought a better way to serve the payments industry.

Over the course of her career she has transformed and scaled complex businesses from Fortune 100 companies to startups in roles that included sales and marketing as well as operations and technology.

Prior to Qolo, she spent 15 years in executive roles across all sectors of the payments industry leading teams to industry firsts and deploying award-winning technology solutions for clients.

Patricia holds a BBA in Finance from the University of Miami, an MBA in Accounting from Nova Southeastern University, and a Certificate in Strategic Leadership from Columbia Business School.

A world-renowned payments expert, Steven has held C-Suite leadership positions and served as a board advisor for startups and Fortune 500 companies. He is a “deep technology” specialist in systems engineering and design and has held CTO and CIO positions at FIS Prepaid Solutions, WaveCrest Group and WildCard Systems. Steve has designed, architected and launched multiple payments and loyalty platforms, including the first purpose-built, open-loop prepaid processing system, which is still in use today. He pioneered advanced risk/fraud detection and prevention systems and deployed the first machine-learning algorithms tailored to prepaid processing.

Steven holds two PhDs: one in computer science and one in mathematics. He is an avid flyer and both a fixed-wing and rotary wing (helicopter) pilot.

A hands-on executive with vast experience in multiple facets of the mobile and payments industry, Darren has designed and delivered high-impact technical systems, products and applications throughout his entire career. Leveraging his 20 years of expertise, Darren sought a more meaningful way to serve the payments industry and address legacy issues companies currently face.

Prior to Qolo, Darren was a founder of multiple startups, and has led payments and fintech efforts for industry leaders such as FIS, Blackhawk Network and PayActiv.

He was a NASA Space Shuttle engineer and is also an accomplished science fiction and non-fiction author. Darren received his BS in Aerospace Engineering from Virginia Tech.

Robert is a long-time payments industry veteran with experience leading operations at Fortune 500 companies and startups. Prior to co-founding Qolo, he served as COO at WaveCrest Payment Services, as Vice President at FIS with a focus on prepaid deployments, and in operational and project management roles at Wildcard Systems and Euro RSCG. Robert led operations and management of the largest card conversion in history between FIS and American Express at more than 100 million cards and 380,000 hours of work. He has extensive international payments experience and has launched award-winning, multi-currency payment programs. Robert is an expert in all facets of program management, including compliance, risk/fraud, and customer service.

Robert earned his BA and MBA from the University of Florida.

As Chief Client Officer at Qolo, Betty Mitchell not only puts forward a strong foundation to building client relationships, but also brings over two decades worth of financial services experience to our team. She most recently served as the Vice President of Client Engagement at Arroweye Solutions where she accelerated strategic organic growth for the company. Prior to that, Betty was Vice President of Partnership Solutions at The Results Companies and held senior roles at Wave Crest Payment Services of the Americas and Fidelity National Information Services. Betty’s core areas of expertise include financial payments and processing.

Betty earned an MBA from Nova Southeastern University and a BSBA in Finance from the University of Florida.

Peter began his career in investment banking, working in Corporate Finance for Salomon Brothers and Citicorp Investment Bank in New York. Thereafter he transitioned to corporate management when he joined Westwood One, where he helped drive a highly successful public company turnaround.  

As an executive, advisor, investor, or board member, Peter works with organizations at all stages, helping to build companies with operational and financial expertise. As CFO, he has led highly successful IPOs for CBS MarketWatch and Rocket Fuel. In 2014, Peter received the Bay Area CFO of the year award for small to mid-size public companies.  

Peter holds an MBA in Finance and a BA in Political Science, cum laude, from the University of Michigan.

Prior to joining the Qolo team, Monica held senior-level roles in fast-paced, high-growth, innovative environments in a variety of industries such as Healthcare, Energy Services, and Risk Management. In each of her positions, Monica played a pivotal role in building teams, processes, and technology from the ground up to achieve scalability, and played an active and highly consultative role with C-suite, Board of Directors, and Senior Executive teams on a wide range of Talent and HR strategies.

Monica holds an MBA from Harvard Business School and graduated Summa Cum Laude with a B.S. in Mechanical Engineering from ITESM (Tecnologico de Monterrey).

Steve Zelinger is Qolo’s first General Counsel. An accomplished attorney, entrepreneur, and executive, Steve brings to Qolo over 35 years of high-level experience in fintech and payments.

Prior to joining Qolo, Steve served as founding General Counsel of both Hyperloop Transportation Technologies and Flux Financial. Equally comfortable as a law firm partner, federal prosecutor, and corporate executive, Steve has worked at VISA International and the U.S. Department of Justice.

Steve has a great passion for leveraging technology and payment solutions to help people, especially the underserved and underbanked, enabling game-changing payments and fintech-disrupting solutions. In addition to Qolo, Steve currently serves as an advisor and board member to a number of organizations.

Steve graduated Harvard University, magna cum laude, and earned his joint JD and Master's degrees from Georgetown University Law Center & Graduate School of Foreign Service.