Joe has been a leader in the Canadian Payments industry for 20 years. Prior to co-founding Clip Money, Joe was SVP of Cardtronics (Canada), the largest non-bank ATM operator of integrated ATM and financial kiosk products, where he led all commercial functions for the company’s $180M Canadian business. For Financial Institutions, solutions include payments, card acquiring, issuing, and mobile payments. Joe’s relationships span significant enterprise organizations including Scotia Bank, RBC, CIBC, BMO, TD, and Petro-Canada. Prior to Cardtronics, Joe founded and lead one of Canada’s largest private ATM operators before selling it to Cardtronics.