Adam is a Founder of Valmar Holdings and Board Member of Totality, serving as the creative director focused on emerging investment opportunities.  Totaling 20 years in Fintech, Adam has experience in: delinquency management, origination management, payments, auto-decisioning, various proprietary software, real estate, finance, entertainment investments, and operational consulting.  Adam is a multifaceted operator who has built a team around him with a keen eye on efficiency, scale, and asset management strategy to take on the ever-changing future of Fintech.  An avid basketball fan, Adam owns the 2022 championship Blue Collar U team and helps fund and assist operations for various youth-based basketball organizations in the Western New York area.

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.

With a robust background in handling complex transactions and diverse agreements, Jennifer brings a wealth of knowledge and experience to our organization, garnered from her tenure at renowned tech companies, including Google. In her capacity as General Counsel, Jennifer plays a pivotal role in overseeing Totality's legal, regulatory, and compliance functions. She serves as a strategic legal advisor to our leadership, contributing her expertise to our management team. Jennifer effectively manages a spectrum of legal matters within the organization, including the negotiation, drafting, and review of various documents. She holds a Bachelor of Arts in Economics from the University of Pennsylvania and a Juris Doctor degree from Baylor University.  Her skills and expertise will benefit both Totality and its lender clients.