Spend Advisory Board & Leadership

Stan Bharti

Executive Board Advisor


Stan Bharti has over 30 years of business experience with billion dollar businesses. Stan became president of William Resources, a gold public company listed in Toronto early in his career.  In 2002, Bharti established Forbes & Manhattan, Inc. to focus on the emergence of a new bull market in the resource sector.

Forbes & Manhattan’s most successful project so far was in May 2011 when Consolidated Thompson Iron Mines, which began as a $1M dollar exploration iron ore company with assets in Quebec at the time of Forbes & Manhattan’s first involvement, was developed and sold to Cliffs Natural Resources Inc. for $4.9 billion in cash. He developed the Jacobina Mine to near production and then four years later sold the company for $735M to Yamana Gold. Their most recent exit was the sale of Avion Gold Corp. to Endeavour Mining. Endeavour Mining purchased Avion Gold Corp on October 18, 2012 for US$389 million.

Ron Hynes

Executive Board Advisor


Ron brings over 20 years of Payments and Banking experience to Spend.com. Prior to joining Spend.com, Ron lead a number of large corporations. Recently, he has served as an Executive Vice President of Global Prepaid Solutions at MasterCard. Ron was responsible for leading the development of prepaid programs around the globe that create a competitive advantage for MasterCard and its customers. Ron has also previously served as the Chief Executive Officer for UniRush, responsible for delivering the RushCard, and assisted the sale of UniRush to GreenDot.

Prior to joining these executive roles at MasterCard and UniRush, Ron served as President of Global Markets at Mozido, where he oversaw commercial and operational aspects across 8 global regions for mobile payments and commerce platforms. Ron has also previously held multiple Senior Vice President positions at MasterCard, J.P. Morgan, and FSV Payment Solutions.

Rene Bharti

Executive Board Advisor


Rene Bharti is the Co-Founder of Spend as well as the the founder of ARHT Media, Inc. and Delebrity, Inc., two prominent companies in Canada. Rene is also on the board of Jourdan Resources, Inc., Alder Resources Ltd. (former Director),  ARHT Media, Inc. (former Executive Chairman) and EVP & VP-Forbes Currency Management at Forbes & Manhattan Inc. During his tenure Rene was previously President & Chief Executive Officer of Avion Resources Corp. and Director & Vice President-Investor Relations at Avion Gold Corp.

Keith McKenzie

Executive Board Advisor


Keith McKenzie has over two decades of experience in the payments industry. Keith is the Co-Founder of PayFare which has partnered with Uber and Amazon to offer it’s drivers and delivery workers a prepaid MasterCard to receive their funds.

Neil Said

Legal Board Advisor


Mr. Neil Said is a corporate securities lawyer who works as a legal consultant to various Toronto Stock Exchange and TSX Venture Exchange listed companies in the mining, oil & gas and technology industries. He also sits on the board of directors of various public and private companies. Mr. Said previously worked as a securities lawyer at a large Toronto corporate law firm, where he worked on a variety of corporate and commercial transactions. Mr. Said obtained a Juris Doctor from the Faculty of Law at the University of Toronto and he received a Bachelor of Business Administration (Honors) with a minor in Economics from Wilfrid Laurier University.

Bryan Woods



Bryan has more than 18 years of experience in the technical and payment industries. His extensive expertise illustrates concentration with payment program portfolios as well as managing sizable, multifaceted development projects. His career began in web development for both Retail and Consumer Markets. His continued dedication to Customer Service in the technical and payments industries evolved into various Leadership positions. These positions include the Director of Card Services overseeing programs in both US and Canada. Bryan has a vast understanding of financial services strategies and is passionate in bridging the variance between distributed ledger technology startups and traditional banking regulations. Bryan’s education includes a Management Information Systems degree from Auburn University as well as multiple certifications over the course of his professional career. A devoted husband and father of two, he enjoys spending time with his family, DIY projects, and travel.

Josephine Potente

Chief Compliance Officer & General Counsel


Josephine is an attorney who has been in the payments industry for 10+ years as Chief Legal Officer and Head of Compliance for a prepaid card program manager and Payment Facilitator as well as a large processor/FinTech company. Josephine has worked closely with issuing banks as well as regulators on the issuing side in the U.S., Canada and E.U. She also served as a volunteer advisor on a FinCEN board, providing feedback and advice from an issuer and FinTech perspective on issues affecting money services businesses and e-payments.

Prior to her tenure in the payments industry, Josephine spent 7 years as an associate with Milbank, Tweed, Hadley & McCloy in New York City where she was a senior litigator specializing in the defense of investment banks that were the subject of SEC investigations and regulatory actions.  She is a graduate of NYU Law School (2002), summa cum laude, where she was a senior editor of the International Law Review and of Fordham University, summa cum laude, in Bronx, New York. Josephine is a member of the New York State bar association and the New Jersey Bar.

Adam Jacobs

Chief Strategy Officer


Adam Cole Jacobs has extensive history working in the commercial real estate, finance and blockchain industries. He currently is a senior associate at CBRE and holds strategic and advisory positions with several North American blockchain companies including Spend.com. Additionally, Jacobs is Special Advisor to the Co-Founder of Ethereum, Anthony Di Iorio. Adam has graduated with a degree in finance and psychology from Western University in Ontario.

Olga Balanovskaya

Chief Financial Officer


Olga Balanovskaya, CPA, CGA, ACCA has over 18 years of private and public company experience in the capacity of senior controller and Chief Financial Officer (CFO). Ms. Balanovskaya has been a CFO of two public companies, Organic Potash Corporation (CNSX:OPC) and Adex Mining Inc. (TSXV: ADE), and of a number of private companies. Ms. Balanovskaya was a Senior Accountant, Assurance with MNP LLP from January 2011 to July 2013. She is a member of the Chartered Professional Accountants of Ontario as well as the Association of Chartered Certified Accountants (UK); has a Diploma in International Accounting Standards from the Institute of Financial Accountants (UK).

Peter Hertel

Chief Marketing Officer


Peter Hertel started his first business PH Web Design in 2008 while finishing up his BS in Business Marketing. Mr. Hertel proudly developed and managed over 1,000 websites since opening PH Web Design. After graduation Mr. Hertel was hired by the world renowned research firm, Gartner, Inc. (NYSE: IT). He spent 3 years on their Research Marketing / Campaign Marketing division helping to drive $300 million in annual revenue. In pursuit of his true passion for digital marketing and capital investments, Mr. Hertel migrated PH Web Design into INVESEO.

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