Adam is a Founder of Valmar Holdings and a Board Member of Totality. He serves as the creative director that focuses on refining existing investments as well as developing new investment opportunities. Since 2003, Adam has overseen Fintech investments. During that time, Valmar has operated or invested in the online lending space. With a strong focus on automation and accuracy, Valmar was able to leverage its programming, analytics, and lending client teams to cooperatively bring Totality to life.

Dan is a Founder of Valmar Holdings and a Board Member of Totality. As an investor, Dan recognized the deficiencies in the small-dollar lending software. After working closely with many lending clients, Dan coordinated a diverse consulting team to help bring the best possible LMS product to market.

Richard is the CEO of Totality and uses his extensive understanding of alternative finance to spearhead refinements of lending operation and automation. Rick has 18 years of experience in the specialty finance space and spent several years in public accounting. There, he managed audit and consulting teams for numerous high-profile clients. Mr. Heaton is a Certified Public Accountant and holds a Bachelor of Science in Accounting from the University of Buffalo.

Jonathan joined Valmar Holdings in December 2022 and serves as Chief Financial Officer responsible for accounting and financial planning, operations, compliance, and reporting. Prior to joining Valmar, Jonathan spent 6 combined years at a local Western New York manufacturing, distribution, and fabrication company as Financial Controller then Chief Financial Officer as well as 12 years in public accounting where he managed assurance and consulting engagements in various industries including manufacturing, distribution, service, and financial technology. Mr. Gentile holds a Bachelor of Science in Accounting from the State University of New York at Geneseo and is a Certified Public Accountant in the state of New York.

Michael is the CTO and a co-founder of Totality. He is responsible for its software product development and technical coordination. Michael has 18 years of experience in the fintech industry, focusing on building and scaling applications in modern cloud environments. He previously worked as a Global Enterprise Engineer (awarded only to the company’s top engineers) at HSBC. Here, he gained working knowledge on large-scale projects around the globe. Mr. March holds a Bachelor of Science in Computer Engineering from the University at Buffalo.

Jason is responsible for managing information security control technology and procedures. Jason joined Valmar from HSBC Bank, bringing with him nearly 20 years of Data Operations and Cyber Security experience. In his previous role, he conducted enterprise security on the IBM I platform. He also developed security controls and event-driven solutions across a global estate. This has included internal and external Audit response, satisfying regional and global regulatory compliance requirements, and threat and risk analysis of the IBM I platform and its hosted applications.

Chris is the Senior Accounting Manager for Totality. He is a Certified Public Accountant with 8 years of experience in accounting. Throughout his career, he has worked for CPA firms having experience in audit, tax, and consulting engagements. Chris also assists with the development of reporting for our clients.