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Meet our team.
We're building a world where our financial institutions support everyone's financial wellness.
Meet our team.
We're building a world where our institutions support everyone's financial wellness.
White dots in stairstep pattern
White dots in stairstep pattern
Who are we?
Who are we?
Our team of tech and social innovators, researchers, and financial industry veterans is dedicated to making financial wellness accessible for everyday people and their communities. Our work focuses on their stories, financial needs and aspirations, as we develop a comprehensive platform to provide our customers with access to a full suite of financial products and services that address their needs and enhance their financial wellness.
Our team of tech and social innovators, researchers, and financial industry veterans is dedicated to making financial wellness accessible for everyday people and their communities. Our work focuses on their stories, financial needs and aspirations, as we develop a comprehensive platform to provide our customers with access to a full suite of financial products and services that address their needs and enhance their financial wellness.
Aaron Johnson's bio photo
Aaron Johnson
Aaron Johnson

A son of “Da Region,” Aaron was born and raised in Northwest Indiana, where he learned that it’s always cooler by the Lake, and Chicago’s real baseball team wears black and plays on the South Side. 

Aaron earned his B.S. from Valparaiso University before completing his M.B.A. at Purdue University’s Krannert School of Business. He has gained years of experience working in business operations with Bank of America, most recently focused on extending banking services to unbanked communities. He brings his expertise in product management and his commitment to engaging and including marginalized communities to his work as a Product Manager at Percapita. 

Aaron and his wife are the proud parents of a very spoiled rescue dog, Margot. 


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Alex Brunson
Alex Brunson

Alex Brunson goes by his last name, so you can call him brunson. He brings a love for storytelling and a passion for authentic connection to his work within Culture & Communications. As a singer-songwriter and poet, brunson infuses his creative instinct in all of his work in shaping the voice and culture of Percapita.

brunson’s commitment to building more equitable and inclusive organizations inspires those around him to be their full selves, and challenges notions of what’s possible for people, teams, and companies.

Before joining Percapita, brunson was at Morgan Stanley where he advised entrepreneurs, managed and mentored many, and co-founded a cohort responsible for curating and cultivating culturally diverse and intentionally inclusive spaces at the firm. Engaging with and creating a positive impact in communities of color is foundational to brunson's work and art.


“I’m excited for us to continue to challenge the status quo. Seeing and doing things differently has always been the way I approach life, so it feels incredible to get to build a company committed to doing things differently on behalf of communities that deserve better.”
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Alex Ehrlich
Alex Ehrlich
Alex was raised in Long Beach NY by loving parents and an older sister who is still smarter than him. Uninspired by academics, but motivated by arts, causes and the need to pay bills, Alex worked part-time at Goldman Sachs before dropping out of college to spend the next 40 years having fun and making friends on Wall Street.

Alex built and led prime brokerage businesses throughout his career. He co-founded Goldman Sachs’ Prime Brokerage business in the early 1990s, and headed or co-headed that business in Europe and Asia, until he departed from that firm after 24 years. He went on to lead Prime Brokerage at UBS in London and New York for six years, after which he co-headed Prime Brokerage for a decade at Morgan Stanley, where he also oversaw the Listed Derivatives and Fund Administration businesses, served on the Equities and Securities Operating Committees, and chaired the Diversity Council of the Investment Bank. He left Wall Street with gratitude for his many mentors and friends, and recognition of how privileged he was to have had such opportunities.

During his years in London, Alex met the woman of his dreams on a blind date, and pursued her to Paris three days later. They’ve been married 30+ years, and have raised three sweet young men, all of whom are making the world a better place. They really want grandchildren.

“Talent is equally distributed, but opportunity is not. I founded Percapita with the aim of creating an equitable financial services firm that can play a role in addressing America’s unsustainable income inequality. Percapita is the product of lessons learned in banks, restaurant kitchens, basketball courts, shelters, and every place where people work to build better lives for their families.”
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Aliah Greene
Aliah Greene
As a child, whenever told she had three wishes, Aliah's third wish was always for three more wishes. It was a way to continuously expand the realm of the possible in a framework designed to limit. Through a 20+ year career in finance, Aliah has been guided by three rules to do the same in her work. The first: Questions carry more power than answers. The second, which she learned from her son: Practice makes progress. The third is from the great Arthur Ashe: “Start where you are. Use what you have. Do what you can.”

As Percapita’s Chief Operating Officer, Aliah brings her experience working across risk management, treasury, and financial control at Morgan Stanley, most recently as a Managing Director and Head of Enterprise Risk and Analytics for the Wealth Management division and the Private Bank. More than that, Aliah brings the insights and passion gained from living the problem at the heart of Percapita’s work—and a commitment to all the communities still grappling with its challenges.

"Despite the substantial challenges my family has faced, I’ve been fortunate enough to be given access, opportunities, and systems of support that allowed years of hard work to eventually lead to financial health for us. Being part of Percapita gives me a chance, first, to help others now trying to overcome those same challenges and, hopefully, eventually, to help remove them entirely."
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Andrew Melikov
Andrew Melikov

A born innovator with broad interests, reflected in his dual master degrees in computer science and industrial refrigeration, Andrew brings decades of infotech experience and expertise to his role as Vice President of Engineering.

He started his tech career back in 1984, as a microcomputer software engineer developing systems automation for colleges. Since then, Andrew has worked across many different industries, including entertainment, financial services and health care, creating transformational technology systems with meaningful impact for customers. His professional career has spanned stints at diverse companies, from RENDR Physicians and Columbia Artists Management to American Express, Chase Auto Finance and UBS Financial Services. He and his teams have racked up many awards for their cutting edge tech builds over the years, but he approaches every new challenge with the same humility and excitement.


“Build an innovative, beyond-complex tech stack that can ultimately deliver best-in-class financial solutions to underserved communities? Challenge accepted! Plus, I get to work with an impressive group of professionals along the way? Sign me up.”
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Anna Kaminski
Anna Kaminski

When Anna was a teenager she could not wait to get out of her hometown of Madison, Wisconsin to move to a bigger city. She spent four years in Boston, three years in the DC area, two years in Chicago, and one year traveling around Mexico before moving back to her hometown. She has now fully embraced that she is a Wisconsinite, even buying a house within one mile of her childhood home! 

For the past decade Anna has been on a personal mission to build a more equitable financial industry. About ten years ago she found herself living paycheck to paycheck and stressed out about her finances. Rather than giving up, she enrolled in a financial coaching training that changed her life. After finding her way to financial wellness, she now wants to spread what she has learned to help others and to break down barriers that people in lower socioeconomic classes encounter when they interact with the financial industry. As Vice President, Financial Wellness, Anna is putting her skills and energy into building the financial wellness offering for Percapita. 

Anna is passionate about economic and racial justice, bilingual in English and Spanish, and has over a decade of service experience in the nonprofit world and five years of customer success experience building financial products at an innovation lab. Anna also serves on nonprofit boards, tutors middle and high schoolers, and advocates for foster children and their bio parents. 


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Chris Wzontek
Chris Wzontek

Chris was born and raised in Buffalo, NY and ever since he was a kid, he always wanted to know and build the story behind everything - the Who, What, When, Where, How and Why. This is where his passion and interest in Compliance all began. Along with that, Chris brings his fun loving sense of humor to his role as a Compliance Analyst at Percapita.  

Before Percapita, Chris worked in the finance industry for 13 years, with over nine years in compliance at a variety of financial institutions. He wants to open doors, break down barriers, and give opportunities to community members who may not have had those experiences before with their financial needs. To him, the chance to be a part of building Percapita from the early stages is something special. 

Chris is married with two kids, and has a love for soccer and football. In his spare time, you can find him watching his favorite professional sports teams or coaching high school soccer. 


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Crystal Roman
Crystal Roman

Optimistic, Steadfast and Early Bird

I truly love being a team player, rolling up my sleeves and lending a helping hand whenever I can.I am extremely grateful to have 14 years of experience in banking with strengthens in operation and management. What resonates with me is the importance of “championing…for everyday people and their communities”, who at times often feel forgotten. This mission Is meaningful to me.


"My mission in life is not merely to survive, but to thrive and to do so with some passion, some compassion, some humor and some style." - Dr. Maya Angelou

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Dan Kreis
Dan Kreis

A wily veteran of the consumer banking industry, Dan has amassed a lot of “war stories” from his decades in the metaphorical trenches. He has followed many bold financial innovations in that time; some went down in flames while others achieved game-changing success. It’s the latter goal that brings him to Percapita.

Before he joined, Dan had been a consultant for 26 years, including stints at First Annapolis Consulting and Accenture, working with more than 100 institutions in 17 countries, often as the interim credit portfolio manager. Dan started his career as an analyst for an innovative institution that led the development of affinity cards, co-branded credit cards, process automation and A/B market testing.
While he is thrilled by new technologies, Dan’s greatest satisfaction comes from guiding the development of people. He remains close to many of his former staff and takes pride in their achievements.


“Percapita is my final act in finance, and I am determined to forge new technologies that blend automation and experience into a lending platform that can level the playing field, enabling people to meet their goals and doing no harm to the vulnerable.”
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David Rivera
David Rivera

As Vice President of Customer Service at Percapita, David is extremely passionate about creating frictionless, technology-driven customer service with low effort self-servicing abilities. He has a passion for uplifting people and helping them unlock their inner potential. Percapita's mission resonates with David because growing up in a low-income Latino family, he realized how inaccessible banking and financial literacy can be. It wasn’t until he started to learn about banking and financial planning that he was able to stop living paycheck to paycheck and start feeling like he could climb the ladder to success. David is excited to help similar communities do the same.  

In his spare time, David enjoys cooking, PC gaming and travel.


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Dean Nielsen
Dean Nielsen

Prior to joining Percapita, Dean was Vice President and Senior Legal Counsel of TCF National Bank and its predecessor institutions, where he had more than 15 years of experience guiding the bank on numerous transactions, litigation and other legal matters. Prior to TCF, Dean had additional banking experience as Vice President of The Second National Bank of Warren, and before that as a partner in private practice.   

Dean has a Juris Doctor from Case Western Reserve University School of Law, and is based in Mantua, Ohio. He is a member of the Portage County Bar Association and has been a Voting Location Manager for the Portage County Board of Elections for the past four years. In his spare time, Dean enjoys Cleveland Guardians baseball. 


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Eileen Narbutas
Eileen Narbutas

Eileen started her career as a bank teller. She eventually found her home and love of payments in the Operations space, where she has worked for the past 20+ years. Eileen brings this experience to Percapita as a Deposit Operations Supervisor. In 2006, she became an AAP (Accredited ACH Professional). As a self-professed bank nerd, she enjoys geeking out over policies, evolving faster payments, bank compliance, and regulatory guidance. She has spoken and taught locally and nationally on the rules and regulations of the ACH, Wires, RDC and Check payment verticals. 

When she’s not reading bank industry articles (which honestly is too often!), you can find her volunteering for various town committees for her small community in northwestern Connecticut. She is the Registrar of Voters and in charge of all elections in her town of 2,300 people. She's also a devoted kitty mama to a 23-year-old Siamese cat.


Elena Baryshevskaya's bio photo
Elena Baryshevskaya
Elena Baryshevskaya

Elena brings deep expertise in technical product development and extensive financial services business experience in FinTech, Trading, and Wealth Management to her role as Vice President of Finance and Risk Technology. The ability to think through the end-to-end experience allows her to turn business needs and strategies into tangible products. 

Elena started her career as a trader. She helped build a trading company, rose to overseeing the company's day-to-day operations, defined and developed internal financial and management accounting strategies, and in 2004 launched her first IT product. From 2015 until joining Percapita, Elena worked for EPAM Systems Inc., one of the world's largest manufacturers of custom software and consulting providers, where she managed several global technical development and data integration projects for global financial services companies.  

Elena is fascinated by the intersection between technology, business, and life. She is a passionate learner with master's degrees in Computer Science and Physics. For fun, she has gotten certified in Blockchain, Crypto assets, and Decentralized Finance. 


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Eni Asebiomo
Eni Asebiomo

Ever since he was young, Eni’s been a builder. Growing up, he’d sink his teeth into creating and recreating Lego sets, with different configurations each time. Now in his role as Design Engineer, Eni applies his playful and creative instincts to the challenge of reimagining financial services by focusing on the building blocks that make up Percapita’s products and services. With experience in engineering, systems testing and human-computer interaction, Eni loves to think about how Percapita can truly be of service to its clients and their communities.

In his day to day, Eni strives to be a good listener and energizing presence across the company, while working to bring the Percapita vision to life. Before joining Percapita, Eni wrote code to test rockets as an Integration & Test Engineer at SpaceX, after completing undergraduate studies in computer science.


“I believe the future of financial services will be created by organizations that are willing to do the work of meeting their customers where they are – with genuine care and without judgement. Being at Percapita is a unique chance to work with bold speakers, builders and business people who share that vision.”
Jesenia (Jean) Batista's bio photo
Jesenia (Jean) Batista
Jesenia (Jean) Batista
Jesenia, who goes by Jean, is enthusiastic about the emotional connections created by what we see, hear, and feel through design. As Percapita’s Communications Designer, she hopes to utilize her 20 years of experience doing everything from designing artwork for performers to creating visual identities for SaaS startups, in order to develop a wholesome relationship between the Percapita brand and everyone who interacts with it. 
 
In addition to her design experience, prior to joining Percapita, Jean held customer service positions at printing companies which helped her to appreciate and understand the importance of the selfless act of serving others. 

“When I learned of Percapita’s mission, it resonated with me on a personal level as a first generation American who grew up in a community of people just like me. What Percapita aims to do will result in a more beautiful world and I’m excited to be a part of that!”
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Jimena
Velazquez de Leon
Jimena
Velazquez de Leon
Jimena has always been interested in understanding how technology can serve humans—not the other way around. As a tech project manager, she tracks and organizes Percapita's many coalescing projects from a bird's eye view, helping prioritize what needs to be done to offer our clients and community members the best technology to serve their financial needs.

Before joining Percapita, Jimena completed her master's degree in Behavioral and Decision Sciences at the University of Pennsylvania. She studied why people think the way they do and helped a variety of companies figure out how to understand human biases toward technology so that they can improve their products and services.

"The first time I heard about Percapita, I couldn't stop thinking about the hard problems that it's trying to solve, which have frustrated so many people. But I believe that the combination of team expertise and passion to make people's lives better will bring us and our community members ultimate success!"

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Joanna Lack
Joanna Lack
Joanna loves puzzles of all kinds. She is a systems thinker, strategic planning nerd, and human-centered design student. Joanna aims to meet our customers where they are so that together we can bridge the gap between financial services and financial wellness. She brings a cross-discipline, collaborative approach to her role in shaping Percapita’s integrated suite of financial wellness tools.

Before she joined Percapita, Joanna held leadership positions that spanned the public and private sectors, and she values the diverse perspectives those experiences have taught her. She was Director of Inclusive Development at Sidewalk Labs, an Alphabet company, and has served in policy leadership roles at the New York City Department of Education and Camden City (NJ) School District. Joanna began her career as a middle school teacher in Compton, California. Most recently, she served as strategic consultant to the upEND Movement, a child welfare advocacy organization.

“Too many people have been told for too long that, to succeed, they need to beat the odds. I want Percapita to be part of changing that narrative, so that success doesn’t require beating odds that have been stacked against you.”

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Keith Mestrich
Keith Mestrich

Keith has dedicated his career to working with low-wage workers in their pursuit for social justice. He is passionate about mission-oriented finance as well as cooking and his beloved NY Yankees.

Keith comes to Percapita after a decade at Amalgamated Bank, where he was CEO. Prior to being a banker, Keith spent over 20 years working for the labor movement. Keith’s book, Organized Money, is a clarion call for financiers who want to make a difference – exactly what he hopes Percapita will manifest.


“When people lack access to financial services that so many of us take for granted, they lose a part of their dignity. At Percapita, we want to change that in a big way, and for a whole lot of people.”

Kelly Holmes's bio photo
Kelly Holmes
Kelly Holmes

A natural-born creative, Kelly thrives on exploring and developing the next big idea. Her ground-up experience in the financial services industry continues to provide insight and a passion for providing affordable and accessible financial service products to all consumers. Having spent the majority of her career working for credit unions, Kelly understands the importance of financial wellness and the impact financial institutions can have on one’s financial well-being. 

Born and raised in the Baltimore area, Kelly attended Towson University and received her MBA from the University of Baltimore. She’s a mother to two children, whom she and her husband adopted. For fun, Kelly enjoys spending time outdoors, binge-watching Netflix, and watching her kids play soccer.


“As the VP of Financial Services Marketing for Percapita, my hope is to highlight the importance of financial wellness and financial inclusion for communities and individuals who continue to be challenged by the cyclical nature of financial inequality." 
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Kevin Satterfield
Kevin Satterfield

The Department of Motor Vehicles may refer to him as “Kevin,” but he prefers simply to be called “Kev.” As a documentary filmmaker and a fierce advocate for the systemically marginalized, Kev brings his insatiable passion for equity in all forms to his life and work.  

Kev’s commitment to building a social framework and digital economy that accounts for everyone’s background defines his focus as VP of Business Development. He wants to make sure that Percapita is working alongside mission-driven companies that are equally passionate about the wellbeing of their employees.  

Before joining Percapita, Kev worked at Meta, where he supported the retail industry’s largest players, as they pursued transformative engagement with their customers on social platforms. He also led the charge to help cultivate a stronger sense of belonging among Meta’s Black employees across multiple offices through a variety of programs.


“I’m a firm believer that achieving Percapita’s mission requires a new set of questions, stakeholders, and solutions. It’s gratifying to know we’re doing our part to build a foundation so that companies like ours, which are determined to challenge the status quo, can thrive.”
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Kori DeYoung
Kori DeYoung

Raised in a military family, Kori spent her younger years traveling in Asia. Once she graduated from high school, she immediately went into the military herself as a member of the Marine Corps. After her time on active duty, she landed a position at a credit card issuer and processor, which launched her decades-long career in Financial Crimes Investigations. Kori joins Percapita as Vice President, Fraud Risk Management. 

Kori has built, from the ground up, multiple fraud and risk departments, which has allowed her to mentor and pass along her love of all things "fraud" to others. In her spare time, Kori enjoys spending time with her English Bulldogs and her husband Brian. 


Kui Wang's bio photo
Kui Wang
Kui Wang

Kui, a big Kobe fan, has brought the Five Pillars of the Mamba Mentality (Resilience, Fearlessness, Relentlessness, Obsession, and Passion) to Percapita. He wants the team to exude these qualities while helping underserved communities achieve financial wellness.

Kui’s motto in life is: Treat others the way you want to be treated—a maxim he displays fully at Percapita.

Before Percapita, Kui worked as a financial analyst for nonprofit organizations serving local communities.


“Percapita’s mission resonates with me because, as an immigrant, I remember the financial struggles that families face when building a new life in America. I’m excited to be part of a team that is focused on empowering less fortunate communities.”
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Lawrence Jeune
Lawrence Jeune

Lawrence brings a love for helping people with building themselves up financially and with achieving the goals they set out for themselves. As a person who has been in the finance and accounting field since he was 15 years old and who is very connected to his history, heritage, and culture, Lawrence is committed to helping people build their wealth and be more educated on how to manage and maintain their finances responsibly. Lawrence loves that Percapita focuses on education to building finance, equity and inclusion for those who do not have the same access in the financial sector. 
 
Prior to joining Percapita, Lawrence was at Liberty Bank, where he worked on the retail banking, business banking, consumer and commercial lending, and Community Reinvestments side, advising and helping individuals to achieve their goals. Lawrence was also responsible for making sure that the branches and the bank were operationally sound with their policies and procedures.


“You only live one life, Live Happily, love passionately, laugh always and leave your mark.”
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Lulu Davis​
Lulu Davis​
An avid library-lover and political Econ nerd, Lulu is passionate about learning, (listening to & connecting with) people, equitable & just systems, and hyping up 11 year olds with impromptu Zumba classes. She brings that enthusiasm and care, as well as cross-disciplinary research skills, to her role in understanding the communities Percapita intends to serve.

Before joining Percapita, Lulu graduated Reed College Phi Beta Kappa with a B.A. in Economics, where she wrote a thesis on the rise of wealth inequality in the U.S. since the 1970s. While an undergraduate, she worked as a research assistant in Macroeconomics and contemporary feminist political theory, at an NYC-based policy think tank, and in the office of senate majority leader Chuck Schumer. She also maintained her commitment to working with kids, volunteering to provide extracurricular engagement to students in local under-resourced schools, and acting as a Youth Development Coordinator at a YMCA camp.

“A large body of research shows that in the current, highly unequal state of the US, a child’s future income, education, and psychological wellbeing is effectively determined by kindergarten. This is because when there is extreme socioeconomic inequality, the connection between one’s future advantage and the resources one grew up with––including their access to financial services––becomes even stronger. I joined Percapita because we believe that access to affordable, transparent financial resources/tools that fit your needs should be universal, and that the future you want to build towards should be determined by you—not anything else."
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Maria Hamdouchi
Maria Hamdouchi
As Percapita's Director of Analytics and Platform Execution, Maria has found an opportunity to marry her love of mathematics and all things quantitative with her desire to deliver positive impact to communities in need. A cultural “mutt” and immigrant who was raised speaking four languages, Maria has always been empathetic toward the experiences of communities that exist on the margins. Through her work, she seeks to empower those who are left out of traditional social and economic structures.

Prior to joining Percapita, Maria worked in Morgan Stanley’s Securitized Products Group where she underwrote commercial real estate opportunities generating $2Bn in loan originations and led many large deals through securitization and syndication. She was also heavily involved in diversity and inclusion initiatives, including the firm’s Multicultural Professional Development Program.

“I’m excited to serve a segment of the population that is often neglected or mis-served by traditional financial institutions. As a Wall Street alum, I’ve witnessed firsthand the aggressive competition to best serve the 1% - I’m animated by the prospect of shifting focus to the 99%.”
Maripat Alpuche's bio photo
Maripat Alpuche
Maripat Alpuche
As a self-described “behind the scenes” lawyer, Maripat has worked on some of the largest and most complex financial deals of the past 30 years, but her guiding principles tend to be basic: Be yourself; complex projects require diverse talents; success is about the work; don’t underestimate others (and expect the same in return).

As one of the earliest members to join Percapita in early 2020, Maripat has been instrumental in shaping the company’s direction, culture, and work, alongside her role as Chief Legal Officer overseeing legal and compliance matters.

Before Percapita, Maripat was a partner at Simpson Thacher & Bartlett LLP, where her legal practice focused on mergers and acquisitions and capital markets transactions for a wide array of financial services firms. In addition to her leadership in financial services M&A, Maripat also built a leading national practice advising on credit card business sales and joint-marketing transactions, and co-chaired the law firm’s Women’s Initiative for many years.

“I’m driving Percapita to apply some of the basic principles of inclusion and respect in all of our relationships – and encouraging the same in return – which ultimately will enhance both the humanity and success of Percapita and those we serve.”
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Melissa Fox
Melissa Fox

Melissa’s enthusiasm for the payment system intricacies of the financial services industry is only matched by her fundamental belief that the world, while wonderful, can always be better. As Head of Deposit Products and Payment Solutions, she focuses on developing tools and services for customers to better manage their own money—whether it’s buying everyday groceries, saving to buy a car, or providing for their family and friends.

Before she joined Percapita, Melissa was a Senior Manager in Accenture’s Banking & Payments practice, where she balanced advising banks, processors, and payments networks with managing the at-home demands of being mom to two growing boys – and everything that entails!


“As a mom, sometimes every little bit of support helps. For me, it’s essential and exciting to find ways to help people reduce their financial stress and relieve even small burdens. Raising children really does take a village, and so can managing finances—none of us should have to figure it all out alone.”
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Michael Burgess
Michael Burgess

Michael is our Interim Head of the Finance and Central Operations functions.  He is on secondment to us from Clarity Services Group, where he is a Managing Principal. 

Michael is a Chartered Accountant with reciprocal rights as a CPA in the US and his career has been in accounting roles with Investment Banks such as Morgan Stanley, Credit Suisse and Nomura Securities.  Originally from Auckland, New Zealand, Michael has lived around the world including stops in London, New York, Zurich, Geneva, Sydney, Hawaii and Dubai.   

Michael lives in the forests and lakes of Kinnelon NJ, 30 miles from New York City.  His wife Kim is a corporate helicopter pilot flying for a major corporation based in the NYC area and Michael also holds a Private Pilot License for small aircraft (which are of course much less cool than helicopters). 

Michael has a 14-year old son who is irritatingly now taller than him, and a small white one-eyed pirate poodle called Winston who is the Percapita Finance Department’s most popular co-worker.


Michelle Manguilli's bio photo
Michelle Manguilli
Michelle Manguilli

Michelle joins Percapita as a Customer Service Business Support Analyst. Previously, Michelle worked at Fiserv, Inc. where she held several positions throughout the past seven years. Most recently, she served as an Implementation and Conversion Specialist for Bank Solutions within eCommerce and Business Banking. Throughout her career, she has found that her greatest satisfaction comes from delivering solutions that are not only innovative, but truly valuable to end-users in their everyday lives.  

As a shoreline, Connecticut resident and a UConn graduate, Michelle’s main interest during basketball season is the UConn Huskies. However, this love does not overshadow that of the New York Yankees and the New York Football Giants. In her free time, she enjoys the beach, family, and spending time with her best friend of the past five years, her rescue dog, Diesel. 


Michelle Stokes's bio photo
Michelle Stokes
Michelle Stokes

Michelle is a triple certified financial intelligence coach who has been teaching financial literacy for over 15 years. Her alma mater is Florida State University, where her passion for helping people with their finances was born. As a professional speaker for nearly ten years, Michelle impacted thousands of people in the school system, community organizations, and churches with her messages on making your money grow, delayed gratification, goal setting, and financial beliefs. Michelle is an impassioned advocate for the financially disadvantaged and has dedicated her life to serving them. She believes it's an honor to be associated with Percapita, and that being able to continue this work on a larger scale is alignment at its highest level. In her spare time she likes to eat. A lot. 


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MJ Barcelona
MJ Barcelona

MJ brings extensive experience across a broad spectrum of Finance and Accounting to her role of Vice President, Accounting and Control at Percapita.  She has worked for Fortune 500 financial companies in valuation, operations, financial reporting and analysis, and internal audit.  She has worked for Big 4 firms auditing banking and capital markets in NYC, and auditing venture capital in San Jose, CA. MJ has also worked in regulatory lobbying, and started her own Crypto CPA Consulting LLC. She has earned an MBA, CPA, and four FINRA licenses: FINRA 7 General Securities Representative, FINRA 63 Uniform Securities Agent, FINRA 99 Operational Professional, and FINRA 24 General Securities Principal.

One of the most important experiences in MJ’s life was backpacking and traveling across the U.S. and around the world for a year and a half, as it was one of the riskiest and most rewarding choices she has made. The unique adventures she experienced and the people she would have never met otherwise left an indelible impression on how she views culture, circumstances, luck, and the power of compassion and community.


Naa Yirenkyi's bio photo
Naa Yirenkyi
Naa Yirenkyi
Naa Yirenkyi is co-founder of 45 Lemons and partners with Percapita to deliver strategic and equity-based solutions to the People and Culture function of Percapita. Naa works with organizations to best identify and specifically utilize their peoples’ strengths and gifts to further individual growth and development and create a successful organizational culture. At her core she strives to help individuals and organizations identify what deeply motivates them and how to use those motivators and gifts to be the best versions of themselves. Naa has worked at Quest Diagnostics, GlaxoSmithKline, and with various organizations for over 30 years building human capital functions, coaching Senior leaders, and working with management and their teams to provide innovative, insightful leadership towards building a foundation for a prosperous culture. Naa worked as an HR Director with Child and Family Focus and YoungLive/Younglives as the Area Director in other prior roles. 

“Equity starts with you as an individual. Know your story, know your strength and lean in to both so that you can gracefully accept yourself and therefore gracefully accept all in this world.
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Paul Kanevsky
Paul Kanevsky

Ever since he was a kid, Paul has been fascinated by astronomy. Gazing up at the stars, seeing the vastness of the universe and trying to fathom its mysteries led him to mathematics, science and technology. All of that also grounds him back to Earth and helps him solve its many equally captivating challenges.

That deep connection fuels Paul’s passion of figuring out how to make technology work for everyone, especially underserved communities — and brought him to Percapita. He is no stranger to startups, having founded his first in college, but Paul has also spent many years leading innovation teams at some of the largest financial institutions, including Bank of America, Merrill Lynch, and UBS. Paul has authored a number of technology patents that helped transform financial industry.

Whether it’s the stars, life on Earth, startups or establishment players, Paul always brings his unique perspective to the large question of how to make technology easier to use and accessible to all communities, thereby helping to improve lives and to empower more people in pursuit of their own goals.


“I’m a big believer that education through technology is the best way to improve and elevate standards of living and to create a fairer and more equitable society and economy. My colleagues and I are working tirelessly to make sure that Percapita’s technology delivers on that promise.”
Rose Luna-Moguel's bio photo
Rose Luna-Moguel
Rose Luna-Moguel

Rose comes from a background of learning and development and call center management. In her most recent role for an insurance company, she developed training programs for both customer service representatives and franchise owners from the ground up. She also developed a quality management program for the company's customer service team, along with other successful implementations including learning management systems, artificial intelligence programs and more. She has also had the opportunity to hold Operation Manager and Supervisor roles for other insurance and class action lawsuit companies. 

Rose has an Associates degree in Human Service Management and certifications as a Master Trainer and Training Manager, as well as her Property and Casualty Insurance License.  

Rose lives in Florida with her family and two dogs. In her spare time, she enjoys traveling, cars and modifications along with tattoo art.


Sarah Ramirez's bio photo
Sarah Ramirez
Sarah Ramirez

Sarah is a purpose and service-driven researcher dedicated to building communities of wellness, rooted in people's stories and culture, especially around health, family and food. As a first-generation Latina from a farmworker family in Central California, she is passionate about cultivating a more equitable world where traditionally neglected communities are centered, empowered, and uplifted.

Before coming to Percapita, Sarah served in a number of roles across local government, nonprofits, and corporations, engaging communities to address the root causes of inequity. Sarah aims to design programs and services that help elevate the voices and cultural strengths of those we serve while also meeting the fundamental human needs for connection, safety, love, belonging and joy.

When not working, Sarah is nourishing her soul—finding joy on the dance floor, growing food, saving seeds, experimenting with plant-based delights in the kitchen, and appreciating home life with her husband, David, and their dog, Harley Quinn.


"I dream of cultivating a more equitable world where the communities we serve can thrive. This love-infused vision gets me up in the morning, fills me with a sense of purpose and inspires me to keep growing personally and professionally. It's amazing to work at Percapita on making this dream a reality."

Steven Schlautman's bio photo
Steven Schlautman
Steven Schlautman

Steven has been in the banking industry for over 17 years. He began his career as a teller and has held various roles ranging from Client and Product Support to Project Management. 

Steven’s main hobby is sports. His favorites are football and basketball. He loves talking about, watching, and playing (not very well)!  


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Tony Pizi
Tony Pizi
A passionate builder, tinkerer, mentor, and leader. Tony has blazed a multi-decade career developing transformative tech systems in financial services and building innovative companies from scratch.

He has developed industry-defining technology, including foundational patents for seamless app interfaces and adaptive cloud computing. Tony and his teams have won numerous awards, including the Windows World Open twice.

Tony’s accomplishments reflect his deep curiosity, relentless drive, and commitment to expanding access to once-exclusive technology by making it available to a broader audience of everyday people, where it can have the most significant societal impact. As Percapita’s Chief Technology Officer, he hopes to harness the power of the industry’s cutting-edge technology to benefit our clients and their communities.

“My career has been defined by pushing the envelope trying to make technology work for human beings. Our work at Percapita will empower working people and redefine what financial wellness looks and feels like.”
Ty Hollins's bio photo
Ty Hollins
Ty Hollins

Building and improving are the hallmarks of Ty’s information security and compliance philosophy. Throughout his dynamic career, Ty has approached his work with a focus on taking what exists – people, process, policies, technology – and helping them evolve to a new level of effectiveness. It is through helping people and organizations become better, safer, and more prepared that Ty finds his greatest reward.

Ty takes immense pride in building strong relationships with clients and teams and helping everyone reach their best version of themselves. Ty is excited to be building Percapita as a Vice President, Information Security because it is an opportunity to deliver on a commitment to social impact and help promote financial wellness.


Verta Maloney's bio photo
Verta Maloney
Verta Maloney

Verta is co-founder of 45 Lemons, partnering with Percapita to deliver equity-based solutions to support the core business initiatives of Percapita. Verta is passionate about bringing conversations about race and equity to the forefront in all spaces while honoring the stories of all involved. Verta began her career in education as an elementary and middle school classroom teacher in Maryland and Washington, D.C. She then spent four years as a literacy instructional specialist at the school and district level with the New York City Department of Education. Prior to consulting, Verta served as the Executive Director of Engagement at UnboundEd. Verta has also worked at New Leaders where she served as the Managing Director of Programs and Senior Director of Leadership Coaching.  

Verta is a photographer and writer and in 2003 was able to bring her love of the arts to her professional career as the founding school leader for Bronx Arts, a truly special public charter school in Hunts Point. She is also the founder of the*gameHERS, where she brings her expertise of race and equity, knowledge of app development and community engagement to fight the negative treatment of women in gaming. 


“I believe in love with appropriate doses of rage.
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Victor Guerra
Victor Guerra

Victor Guerra was born and raised in Koreatown, a neighborhood in central Los Angeles, California. He brings a keen eye for detail and a knack for critical thinking to his work within Compliance & Risk Control.  

Victor is a veteran of the banking and compliance industry with several years of experience. Victor comes to Percapita from PrePaid-USA where he served as the EVP, Chief Compliance Officer. Victor has led teams as small as ten and as large as 100.  In addition, he has supervised many compliance and risk personnel and spearheaded a risk function that covered 7,000 full-time employees. 

When he’s not managing risk and keeping Percapita safe, Victory enjoys fishing and spending time with his family. As a father and husband, family is not an important thing, it’s everything.


The best way to make the world a better place is to show them how it’s done. I am excited to be part of a team that rises by lifting others.”
Yuri Milshtein's bio photo
Yuri Milshtein
Yuri Milshtein

A master chef and world traveler, Yuri loves to try new recipes for his family, watch celebrities eat extremely hot wings on Hot Ones, and visiting new places around the world. 

Yuri excels at taking good ideas and transforming them into something tangible. He has witnessed how important it is make to technology into a mechanism for helping others, which drew him towards Percapita.

Yuri comes to Percapita as a software engineer with 30 years of experience and extensive management skills, working for software companies and larger enterprises such as UBS and Deutsche Bank. He is now able to put these skills to the test as the Head of Development for Percapita.


“Great things in business are never done by one person. They’re done by a team of a people.”