As CDAO, Michael leads the data strategy, analytics platforms, business intelligence initiatives, and artificial intelligence capabilities supporting enterprise decision-making and operational performance.

Michael brings over 20 years of experience spanning advanced research, applied analytics, operational leadership, and enterprise technology initiatives. He graduated from Johns Hopkins University and later earned an MA in Atomic, Molecular, and Optical Physics and a Doctor of Philosophy in High Energy Particle Physics from the University of Virginia, as well as an MS in Computer Science from the University of Illinois at Urbana.

Prior to joining, Michael spent 15 years at MITRE leading complex data, AI, and operational initiatives supporting mission-critical government programs. Earlier in his career, he conducted research in conjunction with CERN, contributing to experiments involving dark matter and supersymmetry, and is a co-author of the Higgs boson discovery paper. His work was also featured in the documentary Breakthrough: Game of Drones.

As Chief of Staff for the CEO’s Office, Stephanie oversees strategic initiatives, executive communications, operational coordination, investor relations efforts, and organizational alignment across the company.

Stephanie joined in 2016 and brings over 18 years of human resources, administration, and operational leadership experience. She graduated from Binghamton University and later earned a Master’s in Industrial/Organizational Psychology from NYU.

Prior to joining, Stephanie served as Director of Human Resources for Niche Media Holdings, a regional publishing company. During her tenure with World Business Lenders, Stephanie also served as Chief Administration Officer and Director of Human Resources, helping lead operational improvements and company-wide initiatives supporting long-term growth.

As General Counsel and Chief Compliance Officer, Andy oversees the company’s legal affairs, regulatory compliance framework, enterprise governance matters, and related operational initiatives across the organization.

Andy joined in 2011 and brings over 30 years of experience in the financial services industry. He graduated from Binghamton University and completed law school at Fordham University.

During 2007, Andy joined Deutsche Bank at the time of its merger with MortgageIT. He served as General Counsel of MortgageIT from 2005 through mid-2008, before becoming responsible for various business development initiatives in emerging markets. Earlier in his career, Andy served as Senior Vice President and Assistant General Counsel at GreenPoint Financial Corp., led the employee benefits practice at Cullen and Dykman LLP, and was a Tax Manager at Arthur Andersen & Co.

As CIO, Paul drives the technology strategy, including enterprise modernization initiatives, cybersecurity programs, automation efforts, and data-driven operational transformation initiatives.

Paul brings over 25 years of technology leadership experience across federal agencies and commercial enterprises. He graduated from the United States Military Academy at West Point and later earned an MBA from Embry-Riddle Aeronautical University and a Master of Strategic Studies from the U.S. Army War College.

Prior to joining, Paul served as Chief Engineer and Executive Advisor for Modernization at MITRE, where he led enterprise modernization efforts supporting executive-level government stakeholders and initiatives that generated over $100 million in operational efficiencies. Throughout his career, Paul has specialized in digital transformation, enterprise architecture, systems integration, and emerging technology implementation.

As SVP, Operations, Kimberly oversees end-to-end operational functions, aligning daily workflows with broader business objectives and supporting operational efficiency initiatives.

Kimberly joined in 2022 and brings more than 20 years of experience in the title and lending industry. She is recognized for her expertise managing complex transactions and driving operational consistency across high-volume environments.

Throughout her career, Kimberly has built a reputation for operational leadership, process oversight, and team development, fostering a culture focused on accountability, operational excellence, and organizational support.

As SVP, Lending Operations, Tom leads large-scale initiatives spanning operational strategy, governance, analytics, and cross-functional program management, driving measurable improvements in efficiency, scalability, and operational risk management.

Tom brings over 20 years of leadership experience driving operational excellence and enterprise transformation across complex organizations. He graduated from the United States Military Academy at West Point in the top 6% of his class and later earned an MBA from NYU Stern School of Business. He is also a Lean Six Sigma Black Belt.

Prior to joining World Business Lenders, Tom developed an entrepreneurial and innovation-focused mindset through leadership roles across operational transformation initiatives, including his time at UBS and his recent work with AI startup RegenAI.

As SVP, Internal Audit, Esref oversees internal audit, financial governance, enterprise risk management, compliance, and operational controls.

Esref joined in 2024 and brings more than 20 years of experience across banking, financial services, and FMCG industries. He holds CIA, CRMA, CPA, and CFE certifications and brings deep expertise in compliance, internal controls, operational efficiency, financial governance, and enterprise risk management.

Throughout his career, Esref has led enterprise audit and governance initiatives focused on strengthening operational oversight, regulatory compliance, and risk management frameworks across complex organizations.

As Vice President, Jason supports the company's sales efforts and business development initiatives. He is WBL's primary ISO contact, working closely with ISO partners and related business relationships to support continued growth and client engagement.

Jason brings more than 20 years of experience in operations, sales leadership, and channel management. He is a U.S. Air Force veteran and later led security operations in support of U.S. Department of State and Department of Defense missions in Afghanistan and Iraq. He holds a B.S. in Environmental Health Science from the University of Georgia.

Prior to joining World Business Lenders, Jason served as an ISO manager on a high-volume MCA desk, where he built grading, training, and refinance/renewal processes for a large partner network. He also ran an independent ISO desk focused on submissions, partner relationships, and production follow-through. Earlier in his career he led multi-site operations and sales teams, including scaling organizations from a few hundred employees to more than 1,700.