We make financial services accessible

Our platform makes it easy for people & businesses to adopt products & services that make life better

Many of us have a long history in the digital account origination space and we know that new account openers don't always turn into engaged and profitable relationships. We designed the Digital Onboarding platform to simplify the process and increase new account activation rates which drives profitability.

Our story

Our team has a deep history in the digital account origination space. We know that account holders don't always turn into deep and profitable relationships. After a conversation with one of the nation’s largest credit unions, DCU, we decided to address this critical gap. The Digital Onboarding platform was born in 2018.

Our passion

When people and businesses feel financially secure, they can achieve and enjoy the things that matter most. Institutions should make it simple for customers and members to access and use financial services. Institutions that do this well have a competitive advantage and do a great service for their communities. We’re on a mission to help.

Want to work with us?

We're always on the lookout for talented individuals that want to join our cause. Check out our careers page.

Awards & recognition

CreditUnion.com Winner Badge
FIS Fintech Accelerator logo

Meet the team


Charlie is a serial entrepreneur. He founded Andera, which pioneered the first digital account opening platform for U.S. banks and credit unions. He was also Co-Founder of Ellevest, one of CNBC’s Top 50 Disruptors. Most recently, he was COO/CRO of Lithic, a leading payments infrastructure company.

Picture of Charlie Kroll, CEO

Charlie Kroll

Chief Executive Officer

Ted Brown CEO & Cofounder

Ted has an entrepreneurial spirit and a keen interest in applying process and technology in Sales to produce consistent, predictable and profitable growth. Ted cofounded Digital Onboarding Inc. after leading sales at Andera, a company that first made it possible to open deposit accounts online. (Andera was acquired by Bottomline in 2014).

Ted Brown, Cofounder, Chief Executive Officer

Ted Brown

Co-founder, Executive Chairman

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Jonathan Crossman, Cofounder, Chief Technology Officer

Before cofounding Digital Onboarding Inc., Jonathan gained more than a decade of experience working in web and mobile development for companies like Digication and DePuy Synthes.

Jonthan Crossman Cofounder & Chief Technology Officer

Jonathan Crossman

Co-founder, Chief Technology Officer 

General & Administrative

Kristen is an experienced accounting and finance professional with 15 years of focus on the tech, SaaS, and financial services industries.  Kristen prefers working with start-ups and small businesses to help inspire conscientious decision making across all teams to promote strength and stability in the financial well-being of the company.  

Kristen Bernardo

VP of Finance and Operations

Lorraine headshot

Lorraine has led a career in the bookkeeping and accounting fields for over 40 years in various industries. She has a passion for hard work and dedication no matter the task.

Lorraine headshot

Lorraine Liblanc

Compliance Accountant

Matt Gelb Chief Financial Officer

Matt is an engineer by training turned credit analyst, private equity investor for a wealthy NYC family office and ultimately operator and entrepreneur as CFO/COO of a SaaS company he grew from 20 to 220 people and 10x in revenues.

Matt Gelb Chief Financial Officer

Matt Gelb

Chief Financial Officer 

Chief Information Security Officer
Sy Phul Chief Information Security Officer

Sy sits on the board of advisors for Digital Onboarding with over 20 years of risk management and SaaS information security experience at companies such as Dell SecureWorks, RBS Citizens Group, and Bottomline Technologies (formerly Andera) among many others.

Sy Phul

Chief Information Security Officer

Sherita Meyer, Administrator

Sherita is an experienced administrator with over a decade of financial management experience in the non-profit sector. She holds a BS in Financial Services Management and an MBA in Global Business Leadership & International Trade from Johnson & Wales University.

Sherita Meyer Administrator

Sherita Meyer


Client Services


Shamila is a solutions oriented, data-driven leader with over 15 years of deep operational experience in the technology, financial and retail industries. She has an entrepreneurial spirit and a passion for getting things done, faster, smarter and better.

Shamila Nduriri

Chief Delivery Officer

Briana Liu Headshot

Briana joins Digital Onboarding with a background in marketing, retail banking, and hospitality. She has experience working in the areas of content creation and digital marketing.

Briana Liu

Creative Campaign Manager

Joseph or JT is a seasoned project manager holding numerous PM and marketing certifications. He has years of both technical and traditional PM work and specializes in CRM and ERP integrations. JT possesses experience with Six Sigma, Agile and Waterfall methodologies.

Joseph Megerle

Project Manager

Pranay Insights Analytics Manager
Pranay Headshot Insights Analytics Manager

Pranay is a young professional with a seasoned background in marketing and analytics. He has an adaptable and innovative mindset that helps him drive efficient and sustainable long-term solutions.

Pranay Bhargava

Insights & Analytics Manager

Sara has over five years of experience interacting directly with stakeholders in clinical research and technology industries. Sara has a CAMP certification, is bilingual, and has experience with agile and waterfall methodologies and product management.

Sara Rincon

Project Manager

Stephen Jablonski headshot

Stephen has 12+ years of experience in data analytics. He excels at working with data, improving processes, and giving businesses the tools they need to grow.

Stephen Jablonski headshot

Stephen Jablonski

Insights & Analytics Manager

Sairaj has over 15 years of IT experience with 10 plus years in core banking and the financial sector. He has led large-scale banking product implementations for Citi Bank and ABSA-Africa.He has hands-on experience in service delivery, product management, and program/portfolio management.

Sairaj Nigade

Sr. Technical Integrations Manager

Shawn Hasten Product Specialist
Shawn Hasten Product Specialist

S​hawn has a full stack developer background with experience in accounting, web apps, and campaign marketing platforms.

Shawn Hasten

L2 Product Specialist

Tobi has a full stack developer background with many years of experience in web development and other relevant tools.

Tobi Oyinloye

L2 Product Specialist

Ashish is a Certified AWS Cloud Practitioner specializing in Fintech as BaaS, driving innovation and exceptional results through expertise in AWS services, APIs, and blockchain tech.

Ashish Chodvadia

L2 Product Specialist

Neha Sahay headshot

Neha is a full stack web developer with a background in IT in the healthcare industry. She has a passion for optimization, and excels at data analysis in pursuit of better strategies.

Neha Sahay

L2 Product Specialist

Kamrun Nahar headshot

Kamrun is KCS certified with a background in Java Web Development, 3 + years of experience in Salesforce, and 8 + years of experience in communication and behavioral therapy.

Kamrun Nahar headshot

Kamrun Nahar

L2 Product Specialist

Sarah Davidson

Sara is coming to Digital Onboarding with a background in marketing, hospitality & brand management. She focuses on campaign opportunities and execution to solidify customer engagement to create powerful results.

Sara Davison

L1 Product Specialist

Account Management

Tricia Hrotko VP of Strategy Growth
Tricia Hrotko, Vice President of Strategic Growth

Tricia has nearly two decades of experience in the banking industry. She most recently served as EVP and Chief Revenue Officer at Clifton Savings. Prior experience includes leadership roles at Sterling National Bank (NYC) and The Provident Bank (NJ).

Tricia Hrotko

Chief Customer Officer

Danielle Gorman has over 16 years of experience within the banking industry. Most recently, she worked for Haberfeld as an SVP, Client Services. She has experience in client relationships, marketing, policy and execution strategy, and project management.

Danielle Gorman

Account Management Director

Melissa Kornicki Strategic Accounts Manager

Melissa is an experienced marketing professional, who previously served as the Marketing Communications Manager for a $1 billion credit union in Florida. She brings to Digital Onboarding her years of experience in project management, graphic design, promotional content creation, and credit union marketing and member experience management.

Melissa Strategic Account Manager

Melissa Kornicki

Strategic Accounts Manager

Julie Vongrassamy headshot
Julie Vongrassamy headshot

Julie has a background in Advertising, Marketing, Graphic Design, and UX Design. She has over15 years of valuable experience in the Financial Industry.

Julie Vongrassamy

Strategic Accounts Manager

Joan Account Manager

Joan is a marketing professional with a career in retail financial services and B2B financial services technology. Her experience and achievements focus on business and sales development, branding, communications, and relationship building.

Joan Account Manager

Joan Nieman

Senior Account Manager

Chris Mott, Sr. Account Manager
Chris Mott, Sr. Account Manager

Chris joins the Digital Onboarding team with years of marketing and account management experience, partnering with clients nationwide to develop strategic, personalized solutions to grow and effectively engage with their target markets.

Chris Mott

Senior Account Manager

Shannon Phelan Sr. Account Manager

Shannon is an experienced marketing professional with a background in account management, advertising, and hospitality. Her expertise in client services allows her to build and create strong relationships with clients, while focusing on driving powerful results.

Account Manager Shannon

Shannon Phelan

Senior Account Manager

Ericah Paulsen
Ericah Paulsen

Ericah is an experienced account manager in the financial services industries. Her expertise in client services allows her to identify opportunities to drive customer success and enhance relationships with account holders.

Ericah Paulsen

Senior Account Manager

Rebecca is passionate about building relationships with her clients and helping them achieve their goals. Her background is in financial services, account management, and sales training.

Rebecca McGrory

Senior Account Manager


Laurie McLachlan, Chief Marketing Officer

Laurie joined Digital Onboarding in 2018 after leading marketing for Andera and holding marketing leadership roles at other financial services companies such as JPMorgan, First Marblehead (now Cognition Financial), and PerkStreet Financial.

Laurie McLachlan Chief Marketing Officer

Laurie McLachlan

Chief Marketing Officer

Michelle has a strong record of building Digital Marketing & ABM programs to improve business success. She is passionate about creating digital marketing strategies, managing projects, and growing businesses.

Michelle Lombardi

Digital Marketing Director

Vanessa brings over two decades of event marketing experience to Digital Onboarding, complemented by her BA from the University of Arizona. Outside of work, she enjoys exploring Arizona through hiking and playing golf.

Vanessa Rosengarten

Events Director

Nicole Brooks Marketing Manager

Nicole joined Digital Onboarding after a decade of experience in marketing with an emphasis on digital channels at Bellco, a credit union with nearly $5 billion in assets.

Nicole Brooks

Marketing Creative & UI Director

Grace Toyonaga

Grace has experience as a graphic designer and social media specialist for small businesses, organizations of all sizes, and multiple Fortune 500 companies. With a background in technical illustration, she mixes traditional art theory with modern technology to design effective marketing and brand strategies.

Grace Toyonaga

Grace Toyonga

Marketing Content Producer


Robert Pratt headshot
Robert Pratt headshot

Robert came to web application development from ​publishing ​the first online edition of a regional newsweekly during the Bill Clinton administration​.​ ​Robert ​has launched data-driven web applications for small businesses, large financial institutions​, ​leading publishers and nonprofits like Science News, the George W. Bush Presidential Center​,​ and Direct Relief.

Robert Pratt

Lead Developer

Jonathan Yankovich Headshot
Jonathan Yankovich headshot

Jonathan brings 20 years software development experience to Digital Onboarding. He spent 8 years in the San Francisco startup scene, and holds certifications as a Holacracy Coach and practitioner of neuro-linguistic programming.

Jonathan Yankovich

Senior Full Stack Engineer

Topher has 12 years of experience as a backend web developer, mainly working with companies focused on education and developmental psychology. When he's not at work, he loves trail running, kayaking, reading philosophy, and learning game design.

Topher Hunt

Senior Full Stack Engineer

Niko has seven years of experience in the tech industry, specifically within startups. He's driven by a natural curiosity to unravel data and its potential to guide decision-making, thereby ensuring his work aligns with business objectives. With prior stints at Academia.edu and TruVation, Niko has showcased his adaptability and looks forward to using his skills to impact business metrics.

Niko Rutherford

Senior Full Stack Engineer

Paul has 30 years experience providing software engineering solutions in technology startups and ocean science research. He is a recent transplant to Spain, where while not working or futzing on a computer he enjoys hiking and learning the ins-and-outs of the country.

Paul Rogers

Senior Full Stack Engineer

Udit has been instrumental in designing and developing new and modified software products for the healthcare and education industries. He has 5 years of extensive experience in these industries with roles as an analyst, mentor, and team lead.

Udit Bhanot

QA Engineer


Jen Packard Vice President of Sales & Marketing Operations

Jen brings 16+ years of experience developing scalable processes and programs that empower sales & marketing teams to drive results. Her strategic and tactical execution, strong program management, and ability to build and lead teams will help drive marketing, sales, and technical execution, accelerating business objectives, while delighting customers.

Jen Packard

Chief Product Officer

Jesse joined Digital Onboarding in 2021 after a decade in the FEC industry, where he assisted businesses in maturing their operations and organizing their daily accounting processes.

Nick Rogstad Product Specialist

Jesse Hamilton

Director of Product

Jeremy ​has over 10 years of experience in ​E​engineering and Product Management where he​'s​ worked to foster collaborative environments for innovation. ​His focus is with teams by taking their long-term visions and ​​turning them into achievable goals. He holds both his MBA and BSME from the University of Florida.

Jeremy Foxx

Product Operations

Hailey has over seven years of experience supporting the world of banking and fintech. She thrives on crafting thoughtful product positioning and strategic go-to-market initiatives for B2B and B2B2C audiences. By working cross-functionally with many stakeholders, she’s created relatable stories that bring many non-tangible, financial products to life.

Hailey Boyer

Product Marketing Manager

​O​na has a decade of design experience, specialized knowledge in Web Development, User Experience, and Design Thinking, a Data Visualization certification from Parson's, and an entrepreneurial course at Stanford​. ​Her passion lies in creating processes, fostering organization, developing strategies, and leveraging feedback from users in order to create products that directly address user needs.

Ona Mumtaz

Product Creative Manager

Ian has 8+ years of experience helping FIs achieve their goals through software solutions and implementations. He specializes in program management, client engagement, vendor management, and solution design.

Ian Love

Technical Third-Party Solutions Manager


John Wallace, Chief Sales Officer

John is a senior sales professional with extensive financial services experience and previously held leadership roles at Payveris, Fiserv, ACI, Andera, Entrust Datacard, and Dynamic Card Solutions.

John Wallace CSO

John Wallace

Chief Sales Officer

Colleen Dabbs headshot

Colleen has 20+ years with proven success in the digital space helping banks and credit unions thrive with digital innovation and fintech partners. She brings experience in sales training, sales management, GTM messaging and digital strategy along with an unstoppable enthusiasm for client success and building relationships.

Colleen Dabbs

Director of Sales Enablement

Trevor Thompson Regional Sales Executive

Trevor has previously held sales management and partner development roles at a number of software and services companies including Cornerstone OnDemand and MomentFeed. An entrepreneur and founder himself, Trevor has experience building and selling a company prior to joining the Digital Onboarding team.

Trevor Thompson

Sales Executive

Adam Sales Rep

Adam has joined the Digital Onboarding team after years of experience in the hospitality industry with customer service as his number one goal. With clients being his main priority, he brings optimism and dedication to the table every day.

Adam Sales Rep

Adam Paluszynski

Sales Executive

Jeff Taylor Regional Sales Executive
Jeff Taylor Regional Sales Executive

Jeff has more than 20 years​ of experience in the financial service sector. ​He ​was a consultant with a leading data-driven management consulting firm, working with banks and credit unions to improve their customer experience and brand image.

Jeff Taylor

Sales Executive

colton hoffman, Regonial Sales Executive

Since earning his Bachelor's degree from Quinnipiac in 2016, Colton has worked in the advertising and software sales industry. He brings enthusiasm and hard work to his role at Digital Onboarding every day, striving to do what is best for his clients.

Colton Hoffman, Regional Sales Executive

Scott joined Digital Onboarding after spending 4 years in the financial services industry previously holding positions at Vanguard and PineBridge Investments. He graduated with a BS in economics from Juniata College.

Scott Fennell

Sales Executive

Destin Wilson-Nix Headshot

Destin has worked as an operational supervisor in the private sector​ for many years​. He is data driven and developmentally focused on leveraging product knowledge to create meaningful partnerships. His goal is to deliver clients with a sustainable solution that best suits the longevity and productivity of their initiatives.

Destin Wilson-Nix Regional Sales Executive

Destin Wilson-Nix

Sales Executive

Carolyn Account Manager
Carolyn Account Manager

Carolyn is an experienced account manager in the technology and financial services industries. Her expertise in customer success and business planning strengthens customers relationships into strategic partners.

Carolyn Giuliano

Sales Executive

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Ben Geiger

Sales Executive

Miranda Casey

​​Andrew is a strategically focused marketing professional with a strong background in managing analytics and data for large globally dispersed organizations. Andrew provides​ strategic insight and guidance for the sales and marketing teams​. He holds a MBA from Indiana University Northwest and a B.A. in Managerial Marketing from Kent State University.

Miranda Casey

Andrew Deckert

Director of Marketing & Sales Operations


Adam Westly SVP of Strategic Partnerships
Adam Westly SVP, Strategic Partnerships

Adam has 20 years experience in customer communications and digital transformation for financial services working with 1000's of clients across the globe. He’s held leadership positions in sales, partnerships, and client services. He sits on the board of NEACH Payments Group along with leading partnerships for Digital Onboarding.

Adam Westley

SVP, Strategic Partnerships

Sheryll ​has over 15 years experience in the Fintech industry. She's focused on ​creating​ collaborative work environments ​that ​spark creative and sustainable solutions​ for clients ​to ​seamlessly serve their ​customers. Sheryll's curiosity, professionalism, and leadership fuel successful project delivery, and are at the center of her relationship-driven approach towards every aspect of her work.

Sheryll Ng

Partnership SME

What we do

Accessible banking



Beautifully designed software

World-class campaigns



Creative thinking

Ball caps

Pub games

What we don't do



Broken committments

Formal dining

Suits & ties




Old-school marketing


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