Empowering Commerce Through Purposeful Innovation

Innovative solutions for a changing world

Hypur was founded on the belief that legitimate businesses should have access to basic banking services – like a bank account and proper electronic payments.

Unfortunately, businesses in many industries struggle to maintain basic banking services because financial institutions simply don’t have the tools to serve them. Traditional banking and payment systems weren’t designed for emerging, highly-regulated and cash intensive businesses.

Our technology bridges the gap between traditional banking and payment systems and the unique needs of these businesses so financial institutions can confidently serve these industries.

Our banking solutions add incredible insight and transparency into a business and our payment solutions add a layer of security that protects consumers, merchants and financial institutions from fraud and non-permissible transactions.

Our experts have a wealth a knowledge to share

Members of our team are sought after experts in bank compliance, AML/BSA matters and payment innovations.

Our leaders frequently write articles for industry publicationsprovide interviews for journalists, deliver keynote presentations, participate on panels and lead workshops and webinars for various conferences and organizations including American Bankers Association, NACUSO, Western Independent Bankers and ACAMS.

We always welcome opportunities to share our experience and engage with new audiences.

Our banking and payment experts

Hypur is led by a team of experts with expansive knowledge in banking, payments and technology. Meet the team providing you with the tools to seize new opportunities.

Christopher E. Galvin

Founder | Chief Executive Officer

Christopher founded and served as CEO and Chairman of several public and private companies. He began his career in investment banking – focusing on mergers and acquisitions and structured finance – and has deep experience in corporate finance, hedge fund and private equity strategies. Christopher guides the strategic direction of Hypur, as well as finance initiatives and serves as chairman of the partner team.

Michael J. Sinnwell, Jr.

Co-Founder | President | Chief Operating Officer

As a leading architect of cutting-edge payment platforms, Michael has developed technology for industry leaders including PULSE® élan, Discover®, MasterCard® and Visa® and has led information technology business initiatives and strategy to develop payment and settlement platforms for all payment types – including credit, debit, prepaid, stored value, ACH, P2P and mobile wallet. Working closely with our development team, Michael drives Hypur product development and manages all operational functions. ``We need to believe in the impossible and remove the improbable``

David J. Querciagrossa

Co-Founder | Chief Financial Officer

“The true sign of intelligence is not knowledge but imagination.” David leads the finance and accounting functions at Hypur. With over 22 years of experience in accounting and finance, David has held senior-level finance positions with both high-growth public and private companies ranging from start-ups to $4 billion international enterprises. He has extensive expertise in financial modeling, capital markets, investor relations, and building finance teams, and he is a Certified Public Accountant.

John W. Vardaman, III

Executive Vice President & General Counsel

John is an attorney with fifteen years of senior federal government experience in the enforcement and application of federal laws and policies concerning the Bank Secrecy Act, money laundering, and other financial crimes. Prior to joining Hypur, John served with the U.S. Department of Justice for 10 years identifying and addressing threats related to the financial system and national security, and worked for the Department of the Treasury on a range of terrorist financing issues in the wake of 9/11. As Hypur’s General Counsel, John advises on strategy to ensure that Hypur’s offerings are in alignment with legal and regulatory requirements, with the goal of bringing greater transparency to our financial system in a way that benefits both financial institutions and customers.

Andre G. Herrera

Executive Vice President of Banking & Compliance

Andre’s broad experience in payment system and banking technology management spans over 26 years and includes the management of complex large-scale conversions, migrations and new product implementations. He also has expertise in implementing merchant credit card processing programs and ACH, debit, credit and stored value initiatives. Andre was key in the engineering of the Hypur Comply feature set and leads Hypur’s collaboration with financial institutions on compliance and regulatory issues. Considered an expert in banking challenging industries, he is frequently asked to speak at banking conferences and seminars providing insight and expertise.

Todd Fuller

Executive Vice President of Sales

Todd has 25 years of extensive leadership experience in merchant acquiring, commercial banking, and financial services and compliance software sales. He was a founder and CEO of a start up payments and acquiring ISO for 15 years with a successful acquisition exit. Next, as SVP of a commercial bank, he architected new revenue strategies to go head-to-head with national bank competitors as a community banker. Then, as EVP of Sales and Marketing for an established ecommerce credit card processor and acquirer, he was a part of a successful multi-year exit strategy to a publicly traded company. Todd is now passionate about guiding Hypur’s omnichannel revenue and growth strategies.

Tyler Beuerlein

Executive Vice President of Business Development

Tyler leverages his extensive experience in building brands, managing key relationships and strategic partnerships. Tyler has been at the forefront of Hypur’s expansion efforts for over four years and touches financial institutions, government officials, regulatory bodies and the state legal cannabis industry. As a result, he possesses an intricate knowledge of the banking and regulatory climate, key industry influencers, industry dynamics and market history. He has also become a key contact for media outlets, analytics companies, industry consultants and investment firms searching for reliable, accurate sources of industry information. Tyler’s contacts and relationships in the US state legal cannabis industry are unparalleled. As a result of his influential value, he was selected to be a member of the National Cannabis Industry Association’s Banking Access Committee. He is also a member of the Forbes Business Development Council, frequently publishing articles about the banking and payment environment in the cannabis industry. Tyler founded and managed a large beverage company prior to joining the Hypur team and was a Professional athlete in the New York Mets Organization.

Mike Mong

Vice President of Operations

Mike leads Hypur’s product roadmap, software development, partner integrations and quality assurance. Mike and his team have enhanced the HypurCommerce retail mobile payment application, launched HypurPayments for B2B transactions and expanded the HypurComply and HypurDiligence solutions for financial institutions. Prior to joining Hypur, Mike spent 10 years with global electronic payment processor Euronet Worldwide. While working for Euronet’s epay division Mike managed the integration of prepaid and payment products into some of the world’s largest retailers. He also launched epay’s web-based POS application and back office billing system in multiple international markets. Mike holds a B.S. in Computer Science from Allegheny College and an M.B.A. from Pennsylvania State University.

Becky Montchal

Director of Marketing

Becky brings over a decade of marketing experience to Hypur, with a proven track record of driving revenue and growth. Prior to entering the payments space with Hypur, Becky led marketing departments in the payroll and HR compliance industry, where she spoke at the American Payroll Association’s National Congress. Becky has also been published in Chief Content Officer magazine and is passionate about marketing in the local community. She is a founding member of the Phoenix Marketing Cartel, a local peer-to-peer marketing group in the Phoenix area. Becky holds a B.S. in Marketing from Arizona State University.

Drew Peneton

Director of Sales Operations

Drew combines a decade of experience in sales and technology to drive the development of merchant acquisition, engagement and growth programs at Hypur. With a history of data-driven decision making at multiple financial companies and a rapid-growth startup, Drew leverages his first-hand knowledge of industry techniques, enablement technology, people development and process improvement to accelerate Hypur’s growth. Before joining Hypur, Drew was the Sales Optimization Program Manager for the largest Registered Investment Advisor in the US where he was responsible for creating, growing and optimizing client engagement programs to drive revenue and increase retention. Before that, he was an Operations Manager for Uber, where he drove trip growth, operational efficiency and profitability in the Phoenix market by forming strategic partnerships, creating driver engagement programs, optimizing local incentive dynamics and piloting new products. Earlier on, in the financial industry, he developed and sharpened his sales skills in multiple environments, from cold outreach to service-to-sales models, focused on developing relationships with investors before he transitioned to incentive compensation management. Prior to starting his professional career, Drew was in the US Army and served overseas in both Operation Enduring Freedom and Operation Iraqi Freedom II. He holds a B.A. in Finance from Eastern Washington University and a Master’s in Accounting and Financial Management

Our association memberships.