Our team was built to build.

Founded in 1999 by Tom Villante and Matt Golis, YapStone is changing how the world pays. Poised for hyper growth, YapStone is building an entrepreneurially driven, forward-thinking management team with significant experience in technology and payments.

Management Team

Tom Villante

Chairman & CEO | Co-Founder

In 1999, Tom Villante founded YapStone with the simple goal of converting bills commonly paid by paper check into online electronic payments. Today, YapStone processes over $18 billion in online and mobile payments and has raised over $110 million in capital. As Chairman and CEO, Tom leads the strategic vision, operational execution and global expansion of the company. With his experience and expertise in the FinTech industry, Tom is focused on positioning YapStone’s innovative and proprietary payments platform to meet the needs of global marketplaces and large vertical markets.

Prior to YapStone, Tom was a Partner at The Seidler Company, a private equity firm, and an investment banker with S.G. Warburg (now UBS) and William E. Simon & Sons. In addition to his role at YapStone, Tom is a member of Young Presidents’ Organization (Santa Monica Bay) and has served on the Boards of local schools and charitable organizations. With 20 years of entrepreneurial experience, he is an active angel and real estate investor, frequent speaker at FinTech and Leadership conferences as well as a contributing writer to notable business publications. Tom earned a Bachelor’s Degree from Princeton University.

 

Matt Golis

Co-Chairman I Co-Founder

Matt Golis founded RentPayment.com, Inc. (the original online rent payment service) in 1999. In 2001, RentPayment began a collaboration with YapStone and was then acquired by YapStone in 2003. In his current role as Co-Chairman, Matt advises YapStone on strategic initiatives and corporate strategy. Prior to YapStone, Matt founded Internet Commerce Associates (ICA), an Internet consultancy that implemented business e-commerce applications for Netscape Communications (AOL) where his clients included many Fortune 500 companies. With over 15 years in the payments industry, Matt is a highly regarded thought leader on credit card and electronic payments. Matt is a graduate of Miami University in Oxford, Ohio.

David Weiss

President

David Weiss leads the YapStone business units focusing on operational management and global growth. Prior to joining YapStone, David spent 22 years in investment banking, primarily with Citigroup, where he specialized in M&A, public and private equity and debt offerings. Over the course of his career, David has executed over 100 transactions with a deal value of approximately $75 billion. David graduated Cum Laude in Government from Harvard University.

John Malnar

Chief Financial Officer

John Malnar is responsible for managing financial operations and reporting, business analytics, budgeting and capital structure. Most recently, John was CFO at PayPros, which was acquired by Global Payments Inc. in March 2014. During his tenure with PayPros, John developed and drove ROI-based decisioning and analytics across the organization through direct management of the Finance and Operations teams. Prior to joining PayPros, John spent more than a decade leveraging his strategic finance experience to counsel public and private global companies through investment banking roles at Focus Strategies, BlackRock, Merrill Lynch and JP Morgan. John’s vast financial experience includes active involvement in over 40 transactions, including mergers and acquisitions, IPO’s, private placements, growth equity and corporate finance advisory efforts. John graduated with Honors in Finance from the University of Texas at Austin.

David Durant

General Counsel, Secretary and Chief Compliance Officer

David Durant serves as General Counsel, Secretary and Chief Compliance Officer for YapStone. In his role, he manages and leads YapStone’s legal, compliance, and government affairs initiatives. With significant experience and expertise in legal compliance and payments, David leads the company’s money transmitter license process in the U.S. as well the payment institutions license in Ireland. Prior to YapStone, David spent ten years at Blackhawk Network Holdings, Inc. (NASDAQ:  HAWK), where he led Blackhawk’s legal, compliance (initially serving as CCO) and government affairs initiatives and built a team of over 40 in-house legal, compliance and government affairs personnel.  During his tenure, David also led Blackhawk’s legal efforts through an IPO and spin-off from Safeway Inc., as Blackhawk expanded into over 20 countries and grew to 1,800 employees and $1.4 billion in annual revenue.  David also served as General Counsel, Secretary and Director of Blackhawk Network California, Inc., and led the efforts of Blackhawk Network California to secure money transmitter licenses in 48 U.S. jurisdictions and Puerto Rico. In February 2015, he was named one of the Top 10 Payments Lawyers by Paybefore.com. David received his J.D. from University of Chicago Law School.

SANJAY SARAF

Chief Technology Officer

Sanjay Saraf leads YapStone’s technology organization and is responsible for Product Engineering, Infrastructure and Operations, Information Security, R&D, and Product Innovation. In his role, Sanjay is focused on all YapStone product platforms, including global pay-in and pay-out payments platforms, fraud management systems, partner API platforms, and big data and analytics. Prior to YapStone, Sanjay was Chief Technology Officer at Western Union’s Digital Ventures where he led product engineering focused on digital transformation. In his tenure, he led development of an advanced fraud management system, digital payments platform with support for all major global funding methods, global payout platform that connected over 2 billion bank accounts and digital wallets, a massive Hadoop big data platform, and consumer facing web and mobile apps in over 50 countries. Prior to Western Union, Sanjay was VP of eBusiness at Symantec, leading a global eCommerce platform that generated over $2B in revenue. Sanjay holds a Bachelor’s and Master’s degree in Engineering and has authored several patents in digital payments and fraud management.

Mike Gramz

Chief Risk Officer

Mike Gramz is responsible for leading risk management functions at Yapstone focused on delivering innovation that provides world class risk and fraud solutions making it safe, secure, simpler and easier for our partners and customers to process transactions. Mike is a payments industry veteran spending much of his career focused on credit, fraud, loss provisioning and reserves, compliance and regulatory policy, PCI, and data security. He has over 27 years of financial services experience at such FinTech companies as Merchant e-Solutions (a Cielo company) as Chief Risk Officer and Board Director and 17 of those years at Bank of America where he was Chief Risk Officer for Bank of America Merchant Services (BAMS) and a key strategic contributor in the formation of the acquiring joint venture with First Data Corporation. As a risk executive for Bank of America over the years he was responsible for Global Corporate Banking product risk, oversaw card brand acquiring relationships, led Global Treasury Services compliance, and was accountable for all consumer and corporate compliance functions in Canada and Latin America including businesses in Brazil, Argentina, Chile, Uruguay, and Mexico.

Debra Tenenbaum

Chief People Officer

Debra Tenenbaum is responsible for leading the human resources and internal communications functions at YapStone, focusing on the enablement and engagement of YapStone employees. With over 20 years of business leadership, human resources and executive coaching experience, Debra has led a number of high-growth technology companies, including SGI, Netscape, and Loudcloud/Opsware, through corporate acquisitions and IPO’s. Most recently, Debra was the Chief Learning Officer at Epicor Software where she focused on cultivating management and employee development. Debra received a Masters degree in HROD from the University of San Francisco and a BA degree from the University of California at Santa Barbara.

ARJUN THUSU

Chief Security Officer

Arjun Thusu is responsible for managing all aspects of YapStone’s Enterprise Security, including Cyber, Physical, Compliance and Operations. Arjun joins YapStone from Worldpay, a global leader in payments processing technology, where he served as the Chief Security Officer for the American business units. With over 10 years of experience focused on Information Security and Risk Management, Arjun held management roles at The Home Depot, Internap and Dell SecureWorks. Arjun holds an MBA degree in International Business and a Bachelor’s degree in Computer Information Systems, from Saginaw Valley State University.

Bruce Dragt

SVP/Product

Bruce Dragt is responsible for leading the Product and Project Management functions at Yapstone. Injecting these functions with innovation and a focus on product delivery, Bruce drives the product roadmap intent on delivering market-leading capabilities to YapStone partners. As a payments industry veteran, Bruce has significant experience leading product and risk organizations at leading Financial Services companies, including Wells Fargo, i2, Financial Settlement Matrix and First Data. In his previous role at First Data, Bruce held multiple senior roles over a 13-year career, including SVP of Global eCommerce – Merchant Products, as well as served as a Board member for Bank of America Merchant Services and MerchantLink. Bruce holds both Bachelor and Masters degrees and 11 patents related to risk management and mobile technologies.

 

Troy Scarlott

SVP/Marketing

Troy Scarlott leads YapStone’s global marketing and brand strategy for the company’s payment platform, marketplace partnerships as well as its industry-focused payment solutions. In his role, Troy is responsible for the marketing organization, advertising and media, marketing communications, public relations and the development of fully integrated campaigns to deliver on the YapStone business strategy. Troy is a marketing and advertising veteran, having spent over 20 years with the world’s largest traditional and digital advertising agencies, including BBDO, J. Walter Thompson and iCrossing. Troy is a graduate of Washington University in St. Louis.

CHRISTOPHER CRUM

SVP/Sales and Customer Success

Christopher Crum leads and manages Global Sales, Business Development as well as Customer Success Teams and Initiatives for the company. Prior to joining YapStone, Chris spent over 10 years at Blackhawk Network (NASDAQ: HAWK) where he led a team of 400 sales and services personnel. During his tenure, Chris drove company revenues leading to Blackhawk’s successful 2013 IPO. Chris is a technology industry veteran leading Sales and Customer Success organizations at Endeca Technologies, Primavera Systems and Broadvision. Chris has a degree in Economics from California State University at Fresno.

Saran Mandair

VP/Production Operations & Site Reliability

Saran Mandair is responsible for leading the Production Operations and Site Reliability function at Yapstone, focusing on the uptime and scalability of the global technical operations platform. With over 16 years of  experience in massive Scale Infrastructure Engineering/Cloud and technical operations experience, Saran has lead a number of high-growth technology companies like Paypal, Ebay and Sun Microsystems. Saran comes to Yapstone from Salesforce where he was VP of Infrastructure Engineering, responsible for Systems engineering, Service/DevOps teams, and operations teams located in various U.S. and Global locations. Saran received an MBA degree, with a MIS concentration, from Bradley University and a BA degree from the University of Maine at Farmington. 

PETER ROWAN

VP/International Operations and Global Customer Support

Peter Rowan is responsible for leading YapStone’s International Operations and Global Customer Support, based in the company’s Drogheda, Ireland office. With a 35-year career that has spanned roles with UK Law Enforcement as well as global leaders in the payments industry, including PayPal and Visa, Peter is focused on scaling international operations and expanding global customer support to 24/7/365 to support YapStone partners. Previous to YapStone, Peter was Global Director of Trust & Safety at Twitter where he was led global teams across 3 offices, Dublin, San Francisco and Singapore. Peter received an MBA degree from The Henley Business School in the UK. 

ANTONIO ALVAREZ LORENZO

VP/Compliance

Antonio Alvarez Lorenzo is responsible for ensuring that YapStone is in compliance with laws, rules and regulations associated with its business, including BSA, AML, KYC, OFAC, and international payments regulations. In his role, he provides strategic direction related to compliance, sets compliance priorities and leads the Compliance team, operational policies, and procedures. Antonio joins YapStone from Western Union where he was the Compliance Vice President for the Digital business, responsible for building and managing an effective Digital compliance program. Prior to Western Union, Antonio held payment roles at Visa Inc., where he managed the development of the Visa International Operating Regulations, and at American Express, where held positions of increasing responsibility in the U.S. and Australia. Antonio holds a Masters in International Management from the Thunderbird School of Global Management and a Bachelor’s degree in International Business from San Diego State University.