3PEA International has assembled a team of highly experienced and motivated individuals who have decades of experience in their respective fields. This experience translates into a dedicated team of experts who not only understand the needs of your business, but have the skills to conceptualize, develop, implement and support innovative prepaid card programs that are customized to your specific needs.
Co-Founder, Vice Chairman, President and Chief Executive Officer
Mr. Newcomer serves as our President and Chief Executive Officer and has served in this capacity and as a director since March 2006. Mr. Newcomer served as Chairman from March 2006 to May 2018 at which point he was elected Vice Chairman. From February of 2001 to present, Mr. Newcomer served as chairman and CEO of 3PEA Technologies, Inc., a payment solutions company he co-founded in 2001 with Mr. Spence. Mr. Newcomer continues to be a driving force in guiding the company’s growth through technology investments, acquisitions, new product lines, and strategic partnerships. Mr. Newcomer attended Cal-Poly San Luis Obispo where he majored in Bio-Science.
Co-Founder, Director, Chief Technology Officer
Mr. Spence serves as our Chief Technology Officer and has served as a Director since March 2006. Mr. Spence is responsible for the design and architecture of the PaySign® payments platform. Prior to founding 3PEA Technologies, Inc. with co-founder Mark Newcomer, Mr. Spence was Director of Technology Planning at The Associated Press, the world’s largest news gathering organization with over 4000 employees in 227 countries. In 2007-2008, he was Project Manager for the implementation of Medicare Easyclaim for ANZ Bank in Australia. Easyclaim allows patients and medical practitioners to lodge Medicare claims using the existing EFTPOS infrastructure. In 2010-2011 he was Business Analyst on the EFT and Banking Stream that was responsible for the upgrade of POS Terminals to EMV capability for Australia Post. From 1984-1994, Mr. Spence was with Coca-Cola in Australia implementing financial and line of business systems for Coca-Cola operations worldwide. During his time at 3PEA he has designed and developed EFTPOS terminals, Secure Key Injection Systems, EFT Processing Systems, Card Management Systems and Web Services for the company. He has certified several financial interchanges in the ISO8583 and AS2805 standards to various EFT networks in the United States and Australia. He has been employed in senior IT roles for over 30 years with more than a decade in payments processing.
Joan M. Herman
Director and Chief Operating Officer
Ms. Herman serves as our Chief Operating Officer. She is responsible for executing and implementing the daily operations of the organization. Prior to joining 3PEA International, Ms. Herman was Senior Vice President, Payments Division at Sunrise Banks. Ms. Herman begin her career in payments almost 30 years ago holding various management positions in operations, product development and sales and marketing on both the issuing and acquiring sides of the card business. She has worked at UMB Bank in Kansas City MO, Boatmen’s Bank (now Bank of America), Heartland Bank and has served as a Director at Heartland Payment Systems from 1997 to 2006. Ms. Herman is a member of the Board of Directors of the National Branded Prepaid Card Association (NBPCA) and serves as its Treasurer. Ms. Herman earned her B.A. and M.A. in business and marketing from Webster University, St. Louis MO.
Chief Financial Officer
Mr. Attinger serves as our Chief Financial Officer, being appointed on December 7, 2018. Mr. Attinger brings 30 years of significant leadership, finance and operations experience to 3PEA, Mr. Attinger began his career at American Express and spent 12 years in various positions in Finance, Performance and Quality Management, and Operations. Subsequently, he held positions as Vice President of Operations at NextCard, Chief Operating Officer at Prudential and Chief Executive Officer of Affina (a business process outsourcer). At Affina, he led the company through a management buy-out and a successful sale to a foreign conglomerate. More recently, Mr. Attinger served as Chief Executive Officer and Chief Financial Officer of start-up Zxerex, and has experience leading companies with both a domestic and international presence. Mr. Attinger earned a Bachelor of Science degree in Finance, with a minor in Accounting, and a Master of Business Administration degree, both from Brigham Young University.
General Counsel, Chief Legal Officer, and Secretary
Mr. Strobo serves as our General Counsel, Chief Legal Officer, and Secretary since October 2018. Prior to joining 3PEA International, Inc., from 2005 to 2018, Mr. Strobo served as Deputy General Counsel and Vice President for Republic Bank & Trust Company, a state-charted financial institution out of Louisville, Kentucky. He specializes in prepaid card issuance and non-traditional banking, which includes small-dollar consumer lending, commercial lending, payments and tax-related financial products. In addition, Mr. Strobo served as Chairman of the Board of Directors for Commonwealth Theatre Center, a non-profit youth conservatory and outreach program serving all of Kentucky and southern Indiana. He received his B.A. in Psychology and Philosophy from the University of Kentucky and his J.D. from DePaul University College of Law in Chicago, Illinois.
Senior Vice President, Business Development
Mr. Negron serves as our Senior Vice President, Business Development. Mr. Negron is a veteran of the BIO/Pharmaceutical services industry with a record of over 25 years of success and achievement in accelerating revenue growth, increasing profitability and expanding market footprint for his Bio/Pharmaceutical clients. Mr. Negron brings to 3PEA a wide-ranging, creative and leadership background spanning from military service as a logistician and detachment commander, to manufacturing, quality, marketing and sales.
Mr. Negron has consulted with some of the most successful brand launch teams and product manufactured by leaders including Alcon, Allergan, Eli Lilly, Novartis, Mylan and Pfizer. Mr. Negron is a persuasive relationship builder with an extensive network of contacts within the Pharmaceutical industry.
Chief Compliance Officer
Mr. Trudeau serves as our Chief Compliance Officer and has served in this capacity since January 2018. In this role, Mr. Trudeau is responsible for leading the internal processes for promoting and ensuring the company’s compliance with laws, regulations, company policies and overseeing its enterprise wide compliance risk management. He has over twenty years of experience working in the card industry, focusing on prepaid and credit products. Prior to joining 3PEA International, Mr. Trudeau was with Global Cash Card, Inc., Sunrise Banks and Meta Payment Systems, a division of Meta Bank.
Mr. Trudeau earned his Bachelor of Science Degree from South Dakota State University and is a certified member (CAMS) of the Association of Certified Anti-Money Laundering Specialists.
Chief Information Officer
Mr. Kardum serves as our Chief Information Officer and has served in this capacity since October 2018. Mr. Kardum joins 3PEA with 30 years of experience managing information technology projects in large corporate environments. Mr. Kardum spent the last eighteen years at Bristol-Myers Squibb enabling the company’s digital transformation for the Commercial, Corporate, and R&D organizational units. Prior to working at Bristol-Myers Squibb, Mr. Kardum held a variety of managerial positions at The Associated Press, the world’s largest news gathering organization. In his role at 3PEA, Mr. Kardom will direct and manage information technology strategy and operations to enable the continued growth of 3PEA International, Inc. In addition, he will ensure that 3PEA’s systems and infrastructure anticipates both current and future needs related to scalability and efficiency.
Mr. Kardum received his Diploma in Digital Technology at Suburban Technical School and an Associates of Arts in Business from Axia College of University of Phoenix.
Chief Marketing Officer
Ms. Barciz serves as our Chief Marketing Officer since October 2018. Prior to joining 3PEA, Ms. Barciz held strategic marketing positions in the fintech industry, working in various senior marketing roles at Fiserv, TSYS, Early Warning Systems, and Heartland Payment Systems. Ms. Barciz brings more than 25 years of financial services industry experience to her role at 3PEA where she will be responsible for growing the 3PEA brand and market position as a premier provider of debit card solutions.
In addition to her industry experience, Ms. Barciz served in the U.S. ARMY from 1984 – 1987 and later earned her Associates of Arts degree in Visual Communications from Collins College, a private art college in Tempe, AZ, followed by her Product Marketing Certification from The Association of International Product Marketing and Management (AIPMM).