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Louis Hoch,  CEO and President

Louis Hoch has more than 25 years of management experience 20 of which at a senior executive level of public companies. Louis is an expert in payment processing and service bureau operations. In additions to his duties as the CEO of FiCentive, Louis remains responsible for all operations and strategy for Payment Data Systems, Inc. in his role as Vice-Chairman, President and COO and co-founder.  Louis previously co-founded Billserv, Inc., the industry leader in Electronic Bill Presentment and Payment, where he was the company’s President and COO. Billserv reached a peak market cap of over 500 million while on NASDAQ national market exchange.  Billserv is now owned by American Express.  Louis has held various key management positions with U.S. Long Distance (NASDAQ:USLD), Billing Concepts (NASDAQ:BILL) and Andersen Consulting (NYSE:ACN).  Louis holds a BBA in computer information systems and a MBA in international business management, both from Our Lady of the Lake University. Louiswas previously a director on the advisory board for Our Lady of the Lake University Business School. He was also an executive lecturer in the school's weekend MBA program. He was previously a board member of San Antonio Children’s Museum. Louis holds inventor status on U.S. Patent 7,021,530 “System and method for managing and processing stored-value cards and bill payment therefrom”. He has other published patent pending applications which are all related to the payment processing industry.

Houston Frost, Ph.D., Senior Vice President, Prepaid Products


Mr. Frost provides strategic vision for the company's prepaid products and is in charge of overall operations and strategic alliances. Previously served as President and CEO and co-founder of Akimbo Financial, Inc. Mr. Frost co-founded Akimbo in January 2010 motivated by a desire to reinvent the prepaid card with the concept of creating a network of card members that facilitated free and instant money delivery to friends and family. Mr. Frost has more than five years of experience in the prepaid and payments industry and eight years of experience in financial services. Prior to Akimbo, Mr. Frost worked in New York as an Associate at JPMorgan Chase on the Fixed-Income Strategy team. Mr. Frost earned his Ph.D. in Chemical and Biological Engineering from Northwestern University in 2007 and a Bachelor’s of Science in Chemical and Biological Engineering from the University of Colorado.

Ken Keller, Senior Vice President, Chief Technology Officer


Mr. Keller, as the Chief Technology Officer, is responsible for setting the architectural and product strategies and plans for FiCentive. He also ensures that product development, integration, and process organizations align technology capabilities with product direction. Mr. Keller brings more than 20 years in the development and delivery of specialized high volume transaction based systems. Prior to joining Payment Data Systems in 2003, he served in a variety of key leadership and executive technical roles at Billserv, Inc. Prior to Billserv, Inc., Ken consulted in the telecommunications industry with companies such as US Long Distance, LCI International, Qwest Communications and Broadwing specializing in enterprise wide database development and implementation. Ken holds a Bachelor of Business Administration in Information Technology from the University of Texas – San Antonio.


Larry Morrison, Senior Vice President, Business Development


Mr. Morrison has served as our Senior Vice President, Business Development since 2003. Mr. Morrison has over twenty-five years of experience in all aspects of sales and sales management. Before joining our Company to oversee all business development functions, Mr. Morrison served as a major accounts executive for a tier one telecommunications provider and vice president of sales and operations for a major two-way communications firm. His background also includes management and implementation of large government communication systems installations both domestic and abroad.


Matt Decker, Vice President, Technology


Mr. Decker is responsible for resourcing, planning, and directing mobile and website development and came to FICentive via the Akimbo Financial aquistion. He collaborates with the team to develop new ideas and translates them into actionable development tasks. With over 16 years experience in website development, he provides the perspective, expertise and innovative spirit needed to create the backbone of Akimbo Card. A technologist at heart, he’s excited by finding new ways to use technology to create the best user experience possible in a financial product. Mr. Decker attended SUNY Orange College and studied computer information systems. When he’s not working, he can be found enjoying live music, traveling, gardening or hiking. He can cook a mean pot of gumbo and loves sharing with friends and family.

Wayne Gonalez, CFE, CFI, Director of Risk and Compliance


Mr. Gonzales heads up FICentive's risk and compliance department. He is responsible for regulatory compliance and prepaid card risk management. He is the FiCentive's AML officer as well. Previously he was an analyst with USAA Federal Saving bank and were he was a business banker. He is a Certifed Fraud Examiner (CFE) and Certified Forensic Intervier (CFI). He holds a bachelors degree from University of Texas in San Antonio in Criminal Justice and a Masters of Science degree from Sam Houston State University in Criminal Justice Leadership and Management.


Vilmar Morgan, Director of Design and Marketing


Mr. Morgan leads the marketing and design teams in executing the company’s branding, marketing and design goals and objectives. His talent stems from having tactical design skills and strategic marketing acumen. Upon earning a Bachelor of Architecture from the University of Texas, he co-founded a marketing company. Thereafter, he volunteered as an Assistant Director at the Architecture Foundation of San Antonio, which led him to Interganic Inc., to work as a Creative Consultant. Mr. Morgan is an entrepreneur at heart, and his passion is helping to develop innovative business ideas.



FiCentive, Inc. is a Wholly Owned Subsidiary of Payment Data Systems, Inc.
FiCentive is an Independent Sales Organizations (ISO) and a registered agent of Sunrise Banks, N.A.
These cards are issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to license by MasterCard International Incorporated.
These cards may be used everywhere MasterCard debit cards are accepted. Use of these cards constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. Products and or services that are located on external links are not endorsed, guaranteed or recommended by FiCentive or Sunrise Banks.

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