Meet our Leadership

Oscar Garcia

Chief Analytics Officer

A true problem solver, Oscar Garcia directs underwriting and portfolio loss management for BorrowWorks.  His driving mission is to improve credit quality and raise profitability for our clients by leveraging data analytics  and employing advanced modeling techniques.  Oscar enjoys solving puzzles, so alternative lending risk management through customer solutions design is a natural fit for him. For the past 15, he successfully met these goals while serving in risk and finance leadership positions across organizations both large and small. Oscar is a proud Aggie, earning a BBA in Accounting and Finance from Texas A&M University.

Alta Owen

Chief Experience Officer

Alta Owen is the Chief Experience Officer at BorrowWorks, where she oversees the experience strategy and customer-facing financial platforms. Her career reflects a deep understanding of both operations and product development, shaped by hands-on experience across multiple levels of the organization. Prior to her current role, Alta advanced from Call Center Supervisor to Director of Operations and Product Owner, gaining a front-line perspective that informs her leadership and product philosophy.

Before joining BorrowWorks, she worked at ACC Management, Inc., a private equity holding company, where she directed accounting and operations for 36 storefront lending locations across three states.  Alta’s professional journey exemplifies the talent developed within the BorrowWorks environment and highlights her commitment to building products grounded in operational excellence and real customer needs.

Jeff Forsey

SVP Internal Audit & Operations

Jeff Forsey authors, implements, and adapts compliance programs for clients of BorrowWorks while working with general and outside counsel concerning government affairs. Previously, Jeff was CEO of ACC Management, growing the company to 45 lending locations during his 11 years.  He also spent eight years with Beverly Enterprises, a publicly-traded healthcare company, managing internal audits before advancing to VP of Finance in the Homecare Division. Jeff is an alumnus of St. Bonaventure University with degrees in Accounting and Finance.

Dave Whitmer

Chief Technology Officer

Dave Whitmer personally developed the BorrowWorks payment processing, compliance and loan underwriting systems that handle over $6 billion annually and underwrite more than 150,000 monthly.  A retired Navy Commander and US Naval Academy graduate, Dave served in the Marine Corps before becoming a Navy pilot. He completed seven deployments, participated in combat operations, attended the Navy Fighter Weapons School (TOPGUN), led operational tests of F/A-18 software, networking, and sensor systems, and was awarded the Air Medal 9 times, including 3 for Valor.

Geoff Tran

Chief Strategy Officer

Geoff Tran, with extensive expertise in business optimization and strategy, focuses on scaling and aligning revenue-connected initiatives for both clients and partners. Prior to BorrowWorks, Geoff was a Creative Technologist, designing digital experiences to connect brands with consumers. His portfolio includes projects for The Bahamas, AMC Theatres, AMD, 7-Eleven, and Bank of America. Geoff received his B.A. in Business Information Systems, Entrepreneurial Management from Texas Christian University.

Michelle Harold

Chief Operating Officer

Michelle Harold held leadership roles at both national and state-chartered banks for over 25 years, gaining extensive one-on-one experience with FDIC, state departments of banking, and Office of the Comptroller of the Currency regulators. After her banking career, Michelle launched a corporate prepaid card program for a publicly-traded company.  She now works with several US law firms who specialize in payments law, and has close ties with MasterCard, Visa, the NBPCA, and a majority of payment processors.

Graham Streett

General Counsel

As General Counsel and co-founder, Graham Streett manages legal, regulatory and government affairs for BorrowWorks.  Previously, he served as CEO of Washington County Financial, a company providing advisory and management services through its seventy storefronts across six states. He also worked at the US Department of Commerce where he served as Deputy Chief of Staff and Director of External Affairs. Graham received his J.D. from the University of Arkansas.

Ben Gatzke

Chairman of the Board

Prior to BorrowWorks, Ben Gatzke was the founding CTO at ThinkFinance (now Elevate Credit).  At Think, he created a direct-to-consumer online lending platform providing lower-cost, small-dollar loan alternatives.  Ben then went onto lead RAPP as Creative Technologist, delivering client solutions that integrated brand, culture, and technology for Fortune 100/500 companies like HP, AMD, and AMC. Other notables include achieving a 55% CAGR through both VC and debt stages totaling over $80MM.