Oversight that matches the scale of the platform

Payward’s governance model supports regulated operations across products, regions, and customer types—built to scale accountability, risk management, and transparency.  

Governance at Payward is designed to ensure strategic oversight, risk management, and operational accountability across a portfolio operating in multiple regulated categories.

Leadership

Board of directors

Committees & mandates

Ethics & code of conduct

Whistleblower

Privacy & data protection

Transparency reports

Leadership

Executive leadership responsible for strategy, operations, risk, compliance, security, and execution across the Payward portfolio.

Arjun Sethi

Co-CEO and Director

Leads strategy and execution across the portfolio.

Dave Ripley

Co-CEO

Leads operational and platform execution across the business.

Robert Moore

CFO

Oversees financial strategy, planning, and reporting.

Curtis Ting

Chief Operating Officer

Leads operational performance and delivery across teams.

Mayur Gupta

Chief Marketing Officer

Leads global marketing strategy and growth.

Pranesh Anthapur

Chief People Officer

Leads talent strategy, culture, and organizational development.

Nick Percoco

Chief Security Officer

Leads security strategy and defensive operations.

CJ Rinaldi

Chief Compliance Officer

Oversees global compliance and regulatory programs.

Ben Gray

Chief Legal Officer

Oversees legal strategy, governance support, and risk.

Rob Loban

Chief Accounting Officer

Oversees accounting policy, controls, and financial operations.

Kamo Asatryan

Chief Data Officer

Leads AI, data, and analytics.

Board of directors

The Board provides oversight of strategy, governance, and enterprise risk.

Jesse Powell

Co-Founder & Chairman

Thanh Luu

Co-Founder & Director

Dan Ciporin

Director

Alison Davis

Director

Christopher Calicott

Director

Arjun Sethi

Co-CEO

Board governance responsibilities

Corporate strategy and major initiatives
Risk management and compliance posture
Financial stewardship and control environment
Executive leadership succession and performance
Governance standards and stakeholder accountability

Committees & mandates

Board committee structure supporting oversight across audit, risk, governance, and compensation.

Audit committee

Financial reporting oversight, audit process, internal controls, and accounting policy.

Risk & compliance committee

Enterprise risk posture, compliance programs, regulatory engagement support, and control effectiveness.

Nominating & governance committee

Governance standards, Board composition, and evaluation processes.

Compensation committee

Executive compensation philosophy, incentives, and alignment with long-term performance and risk.

Ethics & code of conduct

The baseline standards for how we operate, communicate, and make decisions.

What we expect

Act with integrity and good intent
Escalate risk issues early
Avoid conflicts of interest
Protect customer and company data
Maintain clear records and documentation
Operate with direct, transparent communication

Whistleblower & ethics hotline

A confidential channel for reporting suspected misconduct, unethical behavior, or policy violations.

What you can report

Fraud or financial misconduct
Compliance or regulatory concerns
Security issues or unsafe practices
Harassment, discrimination, retaliation
Conflicts of interest
Data misuse

How reports are handled

Reports can be submitted confidentially (and anonymously where permitted)
Reports are routed to appropriate oversight functions for review
Retaliation is prohibited

Submit a report

Privacy & data protection

Payward is committed to privacy-by-design and responsible data stewardship.

Approach

Collect and process data with defined purpose
Apply access controls and role-based permissions
Maintain security controls aligned to risk
Provide transparency through published privacy documentation

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Transparency reports

Where Payward publishes reporting on compliance-related requests and disclosures (as available).

Reporting scope

When published, transparency reports may include:

Aggregated metrics about external requests
High-level compliance process descriptions
Updates on policy and oversight improvements
Proof of Reserves

About Payward

Payward, Inc. is a collection of companies powering the open financial system.

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