·     Todd Coulter: the “bizdev” guy, responsible for driving the partner relationships and making sure at the end of the day everyone is a happy camper.

Todd is a serial entrepreneur who developed both the FonWallet concept and M-transactions. Todd has started numerous other niche-based companies handling data-based services ranging from money transfer to handling the VoIP services for 118 cruise ships across 18 different cruise lines. Todd received his undergraduate and graduate degrees from Long Beach State and is a formal US Naval Officer. Todd enjoys swimming, biking and surfing

·     Jeff Warmington: the “processes” guy who makes Spock look wild, but Jeff excels at creating and implementing the action plans around our user profiling, target reports and coupon plan analysis.

Jeff Warmington has over 20 years of procurement, purchasing, and supply chain experience with many years and positions in the military and with such world class companies as GE, Arthur Andersen, Office Depot, and DHL.  He has experience in many commodities, including IT/Telecoms, MRO, fuels, high tech components, equipment and parts, administrative supplies, manufacturing support supplies and equipment, and a variety of services. Throughout his career, Jeff has led cost reduction and process improvement programs, gaining expertise in Total Quality Management, ISO, and Six Sigma continuous improvement techniques.  During these efforts, he attained certification as a Six Sigma Green Belt, and completed Black Belt training.

A graduate of the US Naval Academy and the holder of Master’s Degrees from Webster University and the Navy Postgraduate School, Jeff focused his formal education on technology, business management, and procurement.  He further holds certification as a Certified Professional Contracts Manager through the National Contract Management Association, and has taught Master’s Level courses of instruction in procurement and contract administration. Jeff is an active outdoors person, with interests in boating, fishing, skiing, and do it yourself projects around the house.  He is married with a 20 year old son and a 17 year old daughter.

·     Chau Voung: the “propeller head” guy who is the mastermind behind the analytics software and crazy math, scrubbing and grid computer stuff that puts these reports together, a total workaholic (is single of course) who focuses all of his attention and time squarely on programming and other crazy computer stuff.

Chau was a pharmaceutical equity analyst at Robertson Stephens, an investment bank, covering emerging pharmaceutical and drug delivery companies. Prior to this, he worked for Wentworth, Hauser, & Violich as a healthcare equity analyst. Before that, he was a strategic marketing consultant at Genentech, a leading biotech company. Chau also was involved in various pharmacoeconomics, pharmacokinetics, and toxicology studies for pharmaceutical and biotech companies including Johnson & Johnson, Bristol-Myers Squibb, Isis Pharmaceuticals, and Gilead Sciences.

Chau holds a Doctorate in Pharmacy from the University of California, San Francisco, and Bachelor degrees in Biochemistry and Cell Biology, as well as Psychology from the University of California, San Diego.