Meet and learn more about MineralTree’s executive team.

Vijay Ramnathan headshot

Vijay Ramnathan


Vijay Ramnathan is a fintech and payments geek and has spent over 20 years in the space. Vijay got started in the accounting and finance profession and has spent his professional life in payments and financial services. He is driven to lead and grow companies with a focus on exceptional customer experience, new technologies and cultivating exceptional talent. He is passionate about having a strong understanding of customer needs and creating distinctive solutions that drive value for all stakeholders.

He has functional expertise in product development/innovation, marketing, sales, business expansion, global expansion, and channel development. He has been an architect of change who works alongside talented teams to drive tremendous impact for customers, shareholders and employees. His passion is in building and scaling fast growing companies by solving important problems through product and business model innovation.

Vijay is an entrepreneur at heart and has a penchant for creating new business opportunities and identifying, creating and growing adjacencies.

In these 21 years, he has built many new products and businesses that serve consumers, small businesses, fortune 500 companies and government agencies. These have delivered over $450MM in new/incremental revenue for the companies he has worked for [US Bank, Corporate Payments Systems for 14 years, Fifth Third Bank, Corporate Strategy & Innovation for 3 years and over 3 years with Fleetcor Inc. (Comdata Corporate Payments)].

Vijay grew up in India, has a Bachelor’s degree in Commerce (Osmania University), is a Chartered Accountant (ICAI), went to Grad school at the University of Iowa (Strategy & Marketing), lived in Minneapolis for 14 years followed by 7 years in Cincinnati before moving to Boston with his wife (of 19 years) and 11-year old son.

In his free time, he enjoys cooking different cuisines from cultures along the equator (hot, spicy food). He also loves music, tennis, (American) football and cricket.

Elle Kowal Headshot

Elle Kowal

Chief Product Officer

Elizabeth (Elle) Kowal is responsible for leading MineralTree’s product and design organization. Elle leads her team of product managers and designers ensuring that we deliver business value to market through understanding client needs, pain points, and market opportunities.

Prior to MineralTree, Elle led product management at Fiserv, a global provider of technology services, where her team focused on billing and payment capabilities for businesses of all sizes. Elle has also spent many years of her career in leadership roles at various financial institutions, giving her a strong background in financial services, payments and business technology.

Outside of work she spends her time with her 3 kids and husband, watching sports (Go Patriots), or reading a good book with a glass of wine.

Jim Bork headshot

Jim Bork

Chief Sales Officer

Jim Bork is a successful and experienced SaaS, ERP and FinTech sales executive with deep knowledge of vertical sales/go-to-market strategies and the financial/ERP ecosystem. At MineralTree, he is responsible for all sales efforts including mid-market, enterprise, and partner channels.

Prior to joining MineralTree, he was Vice President of Sales at Stord, a provider of SaaS-based supply chain management software solutions. His 20-plus years in leadership also include leading highly successful sales organizations at Trax Technologies, HighRadius, Oracle/NetSuite, Lawson, and Epicor.

Jim has a bachelor of science degree from Arizona State University with a concentration in business administration and supply chain management.

Outside of work, Jim enjoys travel adventures with his family, biking, golf, and almost anything outdoors, including a recently discovered love for Pickleball. He is also active in his community as a mentor in the Big Brother/Big Sister program.

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Kristin Hambelton headshot

Kristin Hambelton

Chief Marketing Officer

Kristin is responsible for leading MineralTree’s Marketing strategy and operations, bringing with her experience that spans both high growth start-up companies and global enterprise organizations. She is passionate about go-to-market strategy and execution, customer experience, and Marketing technology.

Prior to MineralTree, Kristin led Marketing at companies with track records of scaling, including Neolane, a campaign management provider that was acquired by Adobe, and Evariant, a healthcare patient acquisition and retention platform, acquired by Healthgrades. Earlier in her career, she held various marketing leadership roles at Kronos and IDC.

Outside of work she can be found in the kitchen baking up a storm, in the garden trying not to kill too many plants, or with her head buried in a book. A Marketing nerd at heart, she also likes to spend time helping fellow Marketers with go-to-market advice and resources, career guidance, and in finding new opportunities.

Kristin holds a Bachelor of Science in Business Administration (B.S.B.A) with a concentration in Marketing, from Boston University.

Joe Fortini Headshot

Joe Fortini

Vice President, Customer Success

Joe serves as the Vice President of Customer Success at MineralTree. He and his team are responsible for working with MineralTree clients to Automate their AP process. This means helping them make the most of their investment in MineralTree’s AP Automation solution. He and his team love sharing best practices with clients as they digitize their AP process from invoice capture, coding and approvals to optimizing their payments. Prior to joining MineralTree Joe spent 10 years as Senior Vice President of Account Management at Smart Tuition, a Blackbaud company.

Outside of work, Joe has a passion for sports and the outdoors. He can often be found hiking with his family or shooting a round of golf. A native New Yorker now living in New England, he also spends his time reminding the locals which baseball team has won more championships (regardless of recent history!)

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Rob Brooks headshot

Rob Brooks

Vice President, Engineering

Robert is responsible for all engineering efforts at MineralTree including Software Architecture, Development, QA, Data Science, Cloud Operations, and Information Security.

Rob brings over 25 years of experience in payments, analytics and operations to MineralTree. He has helped a number of startups successfully grow and achieve prominence. Those learnings have been very beneficial in his role at MineralTree.

Most recently, Rob was Vice President of Engineering at Nielsen (NYSE: NLSN), a global measurement and data analytics company. Rob joined Nielsen from Visual IQ when the marketing analytics company was acquired by Nielsen in 2017. His career also includes engineering leadership roles at Nuance Communications (NASD: NUAN), a provider of conversational AI solutions; ACI Worldwide (NASDAQ: ACIW), a leading provider of omni-channel payments technology; and P&H Solutions, a pioneer in web-based cash management solutions.

Rob lives in Westford, MA with his wife and two daughters. His extended family includes 2 dogs, a cat and a parrot as well.

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Gary Brand

Financial Institution General Manager

Gary Brand is the General Manager, for FI Partner Programs at MineralTree. An accomplished direct and indirect executive, Gary’s career spans over thirty years in technology. Prior to Mineral Tree, at Fiserv Gary lead the strategy for billing, payment and communications solutions. Prior roles at Fiserv include the introduction of Immediate Funds and Source Capture Solutions, both of which Gary successfully led from startup to multimillion-dollar businesses.

Prior to joining Fiserv, Gary led sales, channel and product organizations, for Network Associates (McAfee), IBM and Lotus Development Corporation.

With over 500 public speaking engagements, Gary is a popular speaker at industry conferences, client events and educational forums.
Gary enjoys the outdoors with his favorite activity, playing golf with his wife and two sons.

Mike Railey Headshot

Mike Railey

Vice President, Payments Services

Mike Railey is responsible for the success and growth of MineralTree’s payment solutions. As head of MineralTree’s Payment Operations organization, he oversees the supplier enablement and payment support functions, as well as develops and manages strategic partnerships in the payments ecosystem.

With nearly two decades of experience in technology-focused organizations, Railey brings his passion for innovation and for rapidly scaling operations to the dynamic B2B payments space at an exciting time of transition from old paper-based processes to modern and automated digital workflows. Supporting this transition, under Railey’s leadership, MineralTree transformed its emerging virtual card option into an industry-leading core component of the MineralTree platform, and launched a highly competitive multi-currency payment capability with faster execution and greater visibility than traditional methods.

Before joining MineralTree, Railey held operations and corporate development roles at EnerNOC, a publicly-traded enterprise software firm, and was a submarine officer in the United States Navy. He holds bachelor of science degrees in mathematics and computer science from the University of Massachusetts, Amherst.

Kofi Conduah

Kofi Conduah

Integrated Payables General Manager

Kofi is responsible for the integrated payables offering for MineralTree. He’s spent the past 25 years solving complex operational problems for a wide range of companies by creating innovative technology solutions.

Kofi founded Regal Software in 2008 to solve a major problem for banks and corporations attempting to work together on payments and treasury integration. Over the 12 years, he guided the company from a single integration to 160 ERPs, and saw most of the major US banks partnering with Regal Software to gain access. Prior to Regal, he was VP of the Microsoft division at VSS, a premier IBM Partner and Engagement Manager at ePartners, a Gold Certified Microsoft Partner. He worked as a corporate controller prior to dedicating his career to FinTech.

Passions include autism awareness, soccer, (Go Chelsea FC), rugby and hiking. Kofi is an avid pilot with an FAA instrument rating and is also certified on technologically advanced and high performance aircraft. On the weekends he’s a Command Pilot with Angel Flight, transporting underserved children from outlying areas to facilities in Atlanta for medical treatment.

He was born in Ghana and grew up living in multiple cities with his diplomat parents. His teen and young adult years were spent in New York City where he attended The City University of New York’s Hunter and Baruch colleges. He now resides in Atlanta with his wife and two kids.

Matt Friend headshot

Matt Friend

Vice President, Program Management

Matt works across organizational boundaries to clearly define, align teams with, and execute strategic goals and objectives. He builds and manages teams of skilled and dedicated program and project managers and builds an effective PMO. Matt has worked in both small startups and large established companies, including MathWorks, where he built a team of program managers to support the company’s flagship enterprise product; and SmashFly, where he established the project and program management functions. Matt is now working to establish project and program management at MineralTree.

Outside of work, Matt is neck-deep in transitioning his daughters to college, which is even crazier in the COVID world. He also spends a lot of time outside on his bike, hiking, paddle boarding, or puttering in his garden.