Meet the people
behind the flow

CEO

Peter Maher is Founder and CEO of Flote, bringing more than 15 years of leadership across fintech, payments, and consumer finance. Previously a senior executive at Zip Co and Capital One, Peter has built and scaled products serving millions of customers across global markets.

Throughout his career, Peter has focused on expanding access to fair, responsible financial tools by challenging outdated credit models.

CHIEF LEGAL OFFICER

Aasma is Chief Legal Officer and General Counsel at Flote, where she oversees legal, regulatory, and compliance strategy as the company builds a new standard for debit-first, cash-flow-based payments.

She has held senior legal roles at high-growth fintech and global financial institutions, including Stash, BlackRock, Charles Schwab, and Google.

SVP, PRODUCT AND ENGINEERING

Jacek Serafinski leads product and engineering at Flote, overseeing platform architecture, consumer experience, and merchant integrations. He brings deep technical and product leadership experience from companies including Block (Afterpay) and Atlassian, where he helped scale complex, high-volume systems.

Jacek specializes in building resilient, elegant platforms that balance speed, security, and scalability.

SVP, COMMERCIAL

Barbara Badelt Ford leads commercial strategy at Flote, overseeing merchant partnerships, business development, and go-to-market execution. She brings deep experience from senior leadership roles at global payments companies including Adyen and Nuvei.

Across her career, Barbara has built and scaled high-performing commercial teams, helping merchants adopt complex payment technologies with confidence.

MANAGING DIRECTOR, US MERCHANT SALES

Bill Murray leads U.S. merchant sales at Flote, overseeing enterprise partnerships and commercial expansion across key verticals. He brings decades of leadership experience across payments, commerce, and financial services.

Bill has held senior roles at Fanatics, Visa, and Mastercards. Known for his deep understanding of merchant needs and payment ecosystems, he has a track record of driving adoption of complex platforms through trusted, long-term partnerships.

DIRECTOR, BUSINESS DEVELOPMENT

John DiSarlo leads business development at Flote, focusing on enterprise partnerships and strategic growth across financial services, payments, and ecommerce.

He brings deep experience building and leading sales and business development organizations, with prior senior roles at Barclays, Synchrony Financial, Affirm, Visa, TransUnion, and PayPal. John has worked across both traditional financial institutions and high-growth fintechs, giving him a broad perspective on evolving payment models.

SVP, RISK

Bruce Brenkus leads risk and credit strategy at Flote, bringing decades of experience in risk analytics, fraud prevention, and consumer finance. He has held senior leadership roles at PayPal, Kabbage, SmartBiz Bank, and Wells Fargo, where he helped design and scale enterprise-grade risk systems.

At Flote, Bruce plays a critical role in shaping cash-flow-based decisioning models that move beyond legacy credit scoring while maintaining rigorous risk discipline as the platform scales.

SVP, MARKETING AND COMMUNICATIONS

Zac is a five-time CMO/fCMO and PR leader with experience marketing startups and high-growth brands, including work for Capital One, Banijay Americas, Autonomy, and YC and Google-backed companies.

He helped start the fastest-growing site in history (c. 2014), co-built Brainlabs’ content marketing product, and received a CNN Hero Award.

DIRECTOR, STRATEGIC INITIATIVES

Rah Chalmers leads strategic initiatives and cross-functional execution at Flote, working closely with senior leadership to drive high-impact programs across the organization.

She brings experience supporting executives and scaling operations at companies including Enterprise Holdings, Moov, and Socure. Rah is skilled at organizing complex priorities, optimizing workflows, and ensuring alignment across product, compliance, and go-to-market teams.