BSc, San Francisco State University; MBA, Stanford University. Co-Founder and Chief Executive Officer: Ripple, a global leader in distributed ledger technology and real-time settlement; Prosper, a peer-to-peer lending marketplace; E-LOAN, a publicly traded online lender. While with E-LOAN, pioneered the open access to credit scores movement by making E-LOAN the first company to show consumers their FICO scores. Also played a pivotal role in the passage of the strongest consumer financial privacy law in the nation. Member of the Board or Advisory Board: Betable; CreditKarma; Electronic Privacy Information Center (EPIC). Alumnus of the Year, San Francisco State University (2004).