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Advisory Board

Creating Transformative Businesses Through Innovation and Technology

Chairman of the Board
Gary Johnson

A co-founder of Vertrue, Inc. (previously NASDAQ: VTRU) Mr. Johnson has served as its President and Chief Executive Officer and a Director of Vertrue since its inception. From 1987 to 1989, Mr. Johnson founded and served as President of American Target Group Marketing, a marketer of membership services for magazine publishers. From 1983 to 1987, Mr. Johnson was Vice President of New Product Development and Marketing for CUC, a membership program services marketing firm. From 1981 to 1983, Mr. Johnson was a Marketing Director of the Marketing Consulting Division of General Electric. Mr. Johnson received a BS from Tufts University and an MBA from Harvard Business School.

QED Investors
Nigel Morris

Nigel Morris is the Managing Partner of QED Investors, a direct investment fund focused on high-growth companies that leverage the power of data strategies. In addition, he works in an advisory capacity with General Atlantic Partners and Oliver Wyman Consulting. In 1994, Nigel co-founded Capital One Financial Services. Under his leadership, Capital One pioneered an information-based strategy that fundamentally transformed the consumer lending industry.

During Nigel’s ten-year tenure, Capital One’s sales grew at a compound annual rate of more than 40%. Over this same decade, earnings per share growth and return on equity both exceeded 20% per year, a financial performance attained by only a handful of American companies. As of his retirement in 2004, Capital One’s 15,000 employees across the United States, Canada, and the United Kingdom had managed over $80 billion in loans for 50 million customers. Generating over $1.5 billion in earnings, Capital One had successfully transitioned from an emerging start-up into an established public company valued at over $20 billion. Nigel has a BSC in Psychology from the East London University and an MBA with distinction from London Business School, where he is also a Fellow.

Accel Partners (Investor)
Kevin Efrusy

Kevin Efrusy is a Partner at Accel. Prior to joining Accel, Kevin started Corio, an ASP/SaaS pioneer that went public on NASDAQ and was acquired by IBM in 2005. He then built and served as the first CEO of IronPlanet, an online marketplace for heavy equipment with current annual gross sales of over $500 million. At Accel, Kevin focuses primarily on consumer Internet services and next-generation business software. He serves on the boards of BranchOut, Medio Systems, Couchbase, and CAN Capital. Kevin is also responsible for much of the firm’s efforts in Brazil and Latin America, where he led the firm’s investments in Despegar, Shoes4You, MindLab, and Elo7, serving on the boards of the latter two.

Kevin previously served on the boards of GroupOn, Springsource, BBN, and Xensource and sourced Accel’s investment in Facebook in 2005. Prior to his entrepreneurial career, Kevin worked at Zip2 and Bain & Company. Kevin has an MSEE, BSEE, and BA in Economics all from Stanford University, and an MBA from the Stanford Graduate School of Business where he was an Arjay Miller scholar.

Ribbit Capital
Meyer “Micky” Malka

Meyer “Micky” Malka is the founder of Ribbit Capital. It’s a new company and a new role that are the inevitable results of two decades of success as an investor and serial entrepreneur, a journey which began when he was just 18. Malka intends to use Ribbit as an agent for change in the slow-moving financial services category. The combination of Malka’s deep understanding of the financial services sector, the technologies that drive it, and the access to capital that Ribbit offers, are providing global entrepreneurs with the access and know-how required to create the transformative businesses of the future.

Malka is also the co-founder of Lemon, an innovative wallet-in-the-cloud service that enables users to manage a digital copy of their cards and id’s from their phones.

Malka grew up in Venezuela, where he experienced the painful lessons of devaluation and hyperinflation at a very young age. That set him on a mission—to use innovation and technology to create new structures that empower individuals and business owners to control their own financial destinies. The first example of that passion to innovate was Heptagon Group, a broker/dealer that Malka founded as a teenager.

In 1998, Malka developed the online brokerage, Patagon, which became Latin America’s first comprehensive Internet-based financial services portal and dealer. The company expanded its online services throughout South America and to the United States, and was later acquired by the Spanish bank Banco Santander (NYSE: STD) for US$ 750 million.

In 2000, Malka became the interim CEO for OpenBank, the leader for online banking in Spain and Germany. In 2002, he co-founded Banco Lemon, a Brazilian retail bank serving the underbanked population, which went on to become the country’s largest private microfinance institution. In 2009, it was acquired by Banco do Brasil, Latin America’s largest bank. In 2011, he co-founded Banco Bracce, a Brazilian financial institution positioned as the merchant bank of choice for mid-cap companies in Brazil.

Malka graduated with a degree in economics from the Universidad Católica Andrés Bello in Caracas, Venezuela. He is a frequent speaker at entrepreneurial and technology conferences, including the Stanford University’s renowned Thought Leaders Lecture Series. In one of those speeches, Malka recounts a letter that his mother recently found, in which wrote to the tooth fairy when he was seven, noting that his currency was very devalued, and asking to be paid in dollars. He currently resides in Palo Alto, California.