People

Paul Murphy CEO | Founder

Paul was born in Argentina. He grew up in France, Italy, and America. He’s been lucky enough to work in New York, London, Buenos Aires, Zug, and a few other places. He used to write a lot of code. Now he’s kind of rusty. He does whatever needs doing, whether or not it’s fun.

In his spare time Paul participates in several activities that make his vegetarian friends unhappy. He firmly believes that the answer to most questions can be found in musical and opera scores.

Neil Zumwalde CTO | Founder

Neil was born in a state of sanity called Minnesota. His parents taught him never to trust fast-talking people from the coasts, which has served him well. Neil moved to Austin because he was tired of being cold.

In his spare time he writes music for a pretty famous band, performs with several less famous bands, and has more ideas per hour than normal people have in a lifetime.

Momin Ahmad Data Engineer / Industry Analyst

Momin is Credmark’s secret weapon. He is versatile, a quick study, largely unflappable, and usually in a good mood after 10AM. Besides being responsible for the development of some of Credmark’s projects, Momin is the lead analyst for our Crypto Credit Report.

A UT graduate with a focus in philosophy, Momin somehow managed to pick up all sorts of useful skills between music gigs and basketball games.

Laura Dean Finance Director

Laura has been a finance director or controller for the past 15 years. Her latest corporate gig was a four year stint as a controller at FICO. In the past five years Laura has begun focusing on startup finance.

Laura specializes in messy situations. She can deal with complex corporate structures and undisciplined management teams. She is, of course, happy that Credmark presents neither of those problems.

In her spare time Laura manages a husband and two kids.

Renan Feldman Advisor

Renan spends his days looking for trouble. He is an experienced technology and product development leader with a very clear focus on cybersecurity. Renan helps us assess and respond to current threats, as well as prepare for future threats.

Early in his career Renan worked for several Israeli cybersecurity startups running technical, product, and even customer-facing teams. Following a move to the UK, Renan held leadership positions at UBS (banking) as well as Misys and Finastra (fintech).

Renan is thrilled to apply his deep knowledge to the emerging cryptocurrency/blockchain space so that the next financial system can thrive in safety.

Robert Kibet Software Engineer

Kibet is from Eldama Ravine, Kenya. He is currently doing a Masters in Software Engineering with focus on Machine Learning at the Jomo Kenyatta University, Juja. He has 2+ years of experience in writing code and has a huge Interest in providing data-driven solutions. In his spare time he does charity work and also enjoys travel, plus the lazy stuff. He is a Gunner by default, Arsenal.

George Maddock Business Development

George Maddock is DIGINEX’s Head of Internal Audit. George built his career in Japan, quickly becoming Financial Controller at Credit Suisse, UBS and Merrill Lynch, following a successful foray in Formula 1 marketing & advertising.

George is bilingual (二か国語) and a 20-year resident of Tokyo. Prior to DIGINEX, George was Barclays’ Head of Audit, Japan & Korea. Prior to Barclays, he was Nomura’s Executive Director and Global Portfolio Director responsible for Legal and Compliance Auditing. 

George holds a B.S. in Economics from Florida State University. He serves as FinTech Sub-Committee & Internal Audit Representative on the ACCJ’s Banking, Finance and Capital Markets Committee. In addition to his American Institute of Certified Public Accountants (AICPA) and Association of Certified Anti-Money Laundering Specialists (ACAMS) affiliations, George is Japanese Board Director certified (BDTI) and a member of the Armed Forces Communications and Electronics Association (AFCEA).

Moses Njenga Data Scientist

Moses Njenga is a data scientist specializing in credit risk measurement and management. (Someone has to do it! )

Moses is based in Nairobi, Kenya where he has spent years building credit risk models for fintech companies. His familiarity with traditional and non-traditional credit models is a big asset to Credmark.

Moses is a strong believer of data driven business decisions. He holds a bachelors degree in Actuarial Science.

Moses enjoys watching football ⚽and Formula 1 🏎️, but you will usually find him reading about geopolitics ⚠️and building machine learning models 🤓. He is a great fan of Eminem 🔥.

Alberto Ornaghi

Father of two, husband, tech fanboy. He started his career as an opensource programmer, employed as security engineer, became a professional programmer, a software architect and a CTO. Then he jumped in the blackhole of becoming a startup co-founder in his forties. He co-founded Neutrino, a blockchain analytics company recently sold to Coinbase. 

He is a big fan of agile programming and fast decision making, he will always fight for the KISS (keep it simple stupid) rule. He has a deep knowledge of the blockchain patterns and dynamics and happy to help credmark applying his knowledge to their product.

In his spare time he like to play with his sons, going on holiday with his wife and running 150 Km a month.

Asahi Sato Designer

For 20 years Asahi has been revolutionizing strategic design for clients around the world, first in Japan, then the US, and now the UK and Hong Kong. Her core skills are data visualization, live presentation, and innovative film solutions. She’s versatile and creative to a degree that puts the rest of the team to shame. She can switch between video projects, design dilemmas, and PowerPoint projects without missing a beat.

Asahi is also well-know for her diplomatic skills. When the rest of the team sends her a first pass at a design solution, she never responds with a 😂.

Wen-Chao Su Business Development

Originally from Taiwan 🇹🇼, Wen-Chiao grew up in the US 🇺🇸, went back to Taiwan for high school, and then moved on to Japan 🇯🇵 for university. He’s worked in both Taipei and Tokyo and knows the APAC region well.

Most of Wen-Chiao’s early experience has been in venture capital. As much as he likes having people ask him for money, Wen-Chiao decided that he’d rather ask for theirs, which is why he joined Graychain to lead business development in Asia.

In his spare time Wen-Chiao enjoys reading 📚, chess 👑, photography 📷 , and nature walks 🌳🌲.

Serge Ugarte

Serge is both a rare bird and an odd duck.

Serge started his career as a management consultant in the Fintech space. Unfortunately the Global Management Consultant’s Union, a very secretive organization, kicked him out for being too smart, too hands-on, and too practical.

In 1998 Serge noticed that the Internet was really starting to get some traction, so he went to work for Cisco. He helped them navigate the post-crash world by selling hardware to companies that knew how to make money. Hands-on and practical turned out to be useful after all. In early 2010 Serge was recruited to lead Global Business Development at FICO. For a variety of reasons he also worked very closely with FICO’s Corporate Development division. His time there proved once again that competence is almost always rewarded with more work.

Today, Serge lives and breathes crypto, but keeps it quiet from friends and family who wouldn’t understand how he could have strayed so far from a respectable career. He did tell his wife, however, when he realized that someone he trusts needed to be able to recover his hardware wallet.

Join us

We are always looking for people to join our fast-moving ship. If you like what we’re doing and have a background in any of the areas listed below, GET IN TOUCH by sending an email to [email protected].

Mail from recruiters will be ignored. Boring mail will be ignored. Just get our attention.

These are the areas that always need beefing up.

  • Software development
  • Machine learning
  • Blockchain
  • Consumer credit
  • Corporate credit
  • Enterprise sales