Meet our Leadership

Ben Gatzke
Chief Executive Officer
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Ben Gatzke

Chief Executive Officer 

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.

Graham Streett
General Counsel
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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 White House and the Department of Commerce where he served as Department Chief of Staff and Director of External Affairs. Graham received his J.D. from the University of Arkansas.

Michelle Harold
Chief Operating Officer
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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.

Geoff Tran
Chief Revenue Officer
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Geoff Tran

Chief Revenue 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.

Mark Selking
Chief Financial Officer
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Mark Selking

Chief Financial Officer

Mark Selking directs all financial functions of BorrowWorks, including accounting, financial planning and analysis, and tax and treasury, to achieve our aggressive growth strategy and client expectations. For 10 years prior, Mark worked as a CPA at Whitley Penn and Rylander and Clay & Opitz, developing strategies to align financial and business goals for companies and high net worth clients. Mark received a B.B.A. in Accounting and a Masters of Accountancy from the University of Oklahoma.

Dave Whitmer
Chief Technology Officer
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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.

Jeff Forsey
Chief Compliance Officer
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Jeff Forsey

Chief Compliance Officer

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.

Heather Julian
Chief Marketing Officer
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Heather Julian 

Chief Marketing Officer

Heather Julian oversees brand, customer acquisition and engagement, public relations, and advertising for BorrowWorks and our clients.  Her 20-year financial services career includes executive positions in marketing, product development, regulatory affairs, and cash management as well as consumer, mortgage, and commercial lending.  Increasing customer acquisition by 625% and consistently outperforming industry average click through rates are among her notables.

Alta Owen
SVP Operations & Product
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Alta Owen

SVP Operations & Products

Alta Owen oversees operations and is product owner of financial platforms. Prior to assuming her current role, she served as a Call Center Supervisor, advancing to the position of Director of Operations. Before BorrowWorks, Alta worked for ACC Management, Inc., a private equity holding company, directing accounting and operations for 36 storefront lending locations in three states. Alta’s story illustrates the talent fostered within the BorrowWorks environment.

Anthony Delmonico
Director of Risk Management
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Anthony Delmonico

Director of Risk Management

With extensive predictive analytics experience, Anthony Delmonico directs underwriting and portfolio loss management for BorrowWorks. His expertise includes various methods of statistical analysis and modeling, credit score development, and custom solutions design. Prior to BorrowWorks, Anthony was Senior Analyst and Lead Analytical Consultant for Clarity Services, the largest subprime credit bureau, developing credit scores utilized by hundreds of subprime lenders. Anthony received his B.A. in Mathematical Sciences from Western New England University.

Makisha Tribble
Director of Human Resources
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Makisha Tribble

Director of Human Resources

Biography coming soon.

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