Meet Indeflex

Indeflex is a client-focused business payments platform specializing in flexible payment
processing solutions and technology that works for real businesses. We partner with businesses
to create solutions that drive growth and simplify accepting payments.

We value building relationships that save our clients time and money, allowing them to focus on
what’s most important - their customers. Meet our dedicated team!
Paul Dobson
Managing Partner
Paul Dobson has a rich background in electronic payments, business platforms, sales management and business applications. He was one of the founding employees at Central Payment and finished his 13-year tenure as Vice President of Sales Execution. Paul’s passion is training and shaping young sales people to them become confident and successful is central to his role at Indeflex.
Phil Krivacek
Managing Partner
Phil Krivacek has over 20-years of experience in the payments industry, and deep knowledge in entrepreneurship. His early career in retail and his background as a restaurant owner prepared him well for his career in payments. His 20-years at First Data included senior executive roles in product, client experience, and sales, most notably leading the Small Business team for Bank of America Merchant Services. Most recently, Phil served as the leader for Central Payment, a TSYS company serving over 80,000 merchants across the US.
Jason Konrad
Chief Technology Officer
Jason Konrad brings 15-years of software engineering and entrepreneurship experience having co-founded three companies in Silicon Valley. Jason has worked with prominent tech companies Twitter and Walmart labs. He has built software solutions for infrastructure, sales, marketing and data science. If you see a problem Jason will find a solution.
Quintin Krivacek
Operations Manager
Quintin launched his career in merchant services with Bank of America as a Small Business Solutions Consultant after completing a Bachelor’s Degree in Advertising from the University of Florida. While at Bank of America, Quintin specialized in Clover for restaurants and retailers. After selling direct to merchants for several years, he transitioned into financial planning and has worked in risk and wealth management for New York Life for several years. Quintin is excited by the Indeflex business model, which focuses on making the agent’s job as easy as possible by arming them with all the tools they will need to cultivate strong, long-lasting relationships with merchants. His operations responsibilities include maintaining the technology solutions agents use to process applications and serve merchants. Quintin believes the tools Indeflex is deploying have unparalleled functionality in the industry.
Karina Mira
Senior Sales Coordinator
Karina is the friendly voice of Indeflex. She handles all the administrative needs of our rapidly growing agent population with ease. A payments veteran, Karina worked for Central Payment for several years and held various titles, including positions in underwriting, recruiting, as a Sales Assistant, and then Regional Manager. Karina loves the pace and excitement of being part of the start-up environment and works hard as the glue of our sales team to assist the agents with anything they need. Karina has three children and resides in Northern California, working out of Indeflex’s West Coast office.
Nick Siemer
Partner Relationship Lead

Nick joins Indeflex with 8-years of banking experience specializing in coaching and developing client-facing agents who work to help businesses reduce overhead by cutting costs on payment processing. Most recently, Nick was a Financial Relationship Consultant Team Leader at Regions Bank, where he was responsible for individual and team goals and coaching a team of client-facing bankers to determine their needs and help them proactively meet their banking and financial solutions goals.

Before Regions Bank, Nick led North Florida in merchant services account origination referrals for Wells Fargo in 2015. And prior, Nick worked with Ameris Bank, where he partnered with First Data reps to expand their merchant services business in Jacksonville, FL.

Nick is excited to join Indeflex because he has a passion for helping small businesses succeed and looks forward to supporting the agents who are working directly with merchants nationwide as they build their merchant portfolios.
Blaine Krivacek
General Manager
Blaine joins the Indeflex team with broad experience in the payments industry. Most recently, he managed multiple partnerships with top software vendors for Availity, the largest real-time information network in healthcare. Blaine has a background that ranges from sales and training to product implementation, with top industry players such as TSYS and First Data. As Head of Product for Indeflex, Blaine will work closely with all lines of business and drive the planning process for product strategy and alignment at Indeflex.
Erin Frank
Sales Support Representative
Erin supports our new Indeflex merchants as a Sales Support Representative and handles a variety of needs related to merchant account setup. Erin is used to working effectively under pressure with sensitivity and a smile. She was previously a Shift Leader at Moe’s Southwest Grill and a Catering Coordinator at Panera Bread. Prior to that, Erin was a District Trainer and Shift Leader at Taco Bell where she gained valuable customer service and leadership skills.
Casey Merson
Merchant Support Representative
Casey holds a Bachelor of Science Degree from Flagler College in St. Augustine, FL where she played for the women’s soccer team. Casey is a friendly, helpful voice to assist Indeflex merchants with a variety of needs. Previously, Casey worked as a substitute teacher and before that as a wine consultant. Customer service skills with a smile and attention to detailed customer care are hallmarks of Casey’s upbeat personality.
Patti Tonks
Talent Acquisition Specialist
Patti's role is to meet and greet our Sales Partner applicants and take them to the next level of becoming a Sales Partner. Patti is an experienced recruiter, having spent 15 years in the Talent Management industry working with HR executives at Fortune 500 companies globally in the areas of employee retention, engagement, workplace satisfaction, and career development as Vice President of Client Success. Patti enjoys being able to share the Indeflex story and value proposition with people who are ready to join our team.
Mischa Redmond
Sales Guru
Mischa has been in the payments space for 20 years and previously built two payments companies from scratch with a combined residual of over $150k per month. Mischa started at Card Payment Solutions as an agent, and worked his way to becoming a regional manager and then started TRG Payment Solutions. During the past two years, Mischa worked at SpotOn as the VP of Training and Product, where he built their region from zero accounts to 1,800 in two years while still handling all national training duties. Mischa has personally sold over 4,300 merchant accounts over his tenured career.
Nicholas Korthals
National Sales Director

Nick started in payments in 2009 at Central Payment where he signed more than 450 merchant accounts in his first 2 years. From there Nick became the National Sales Director at PDX Enterprise Solutions & VP of Sales at Priority Payments PDX where he managed a large team of sales agents and a portfolio of hundreds of merchant accounts that processed over $1 billion in transaction volume. Then in 2014, Nick founded Cpay WI which would eventually evolve into Kore Payment and has seen steep growth in recent years. Kore is currently processing more than $100 million in transaction volume, with an average of over 90 thousand transactions per month. "Kore has a year with a year-over-year growth rate of 200%," Nick explains.

Nick recently joined the Indeflex team and explains, "Indeflex is such an amazing and fast-growing company with such great vision and leadership from the top down. I felt compelled to join the team and be part of such an amazing journey while also assisting agents with the very same journey I had already made in my own career." Nick is looking forward to changing an industry that is traditionally managed by directors with little to no field experience at all. "…with over a decade in the payments industry and real field expertise, I bring a higher level of support and ideas that any agent can leverage to their advantage."

Tori Karkkanen
Technical Support Specialist
Tori supports our team with technical support and has expertise across all the product lines we sell. Not only is Tori exceptionally tech-savvy, but he is also a patient, helpful resource for all our sales partners’ technology-related questions and concerns in the field. Tori has more than 15-years of tech support experience and previously worked for TSYS in customer service and agent support.

Meet Our Expert Advisory Board

With decades of experience, our founders have developed deep and lasting relationships throughout the payments ecosystem and have invited a group of select payments professionals to share their expertise and guidance with the Indeflex executive team. The Advisory Board is comprised of industry leaders who lend their deep experience in growing thriving payments organizations to foster the continued evolution and success of Indeflex, its’ partners, and their clients.
Nicole Carroll
Member

Nicole Carroll is a payments veteran with 25-years of industry experience spanning product, innovation, technology, and customer service. She recently served as the Senior VP of Global Payments Experience and Solutions at Visa where she was responsible for Visa’s strategy for acceptance products and solutions. She also drove the design, development, and delivery of new services and solutions to enhance the customer experience at the point of purchase.

Carroll has served in several executive positions globally, where she honed her leadership abilities. Before Visa, she served as the Global Head of Innovation and Strategic Partnerships at Discover Financial Services. Here she was responsible for leading the digital transformation of the company, including its launch of mobile payments. Before Discover, Carroll served as Chief Marketing Officer at Transys, where she launched several product solutions, including the Oyster Card, a smart payment card for transportation in London. Preceding Transys, Carroll was a founding member and Managing Director at Citi Ventures – the global corporate venture capital and innovation group at Citigroup.

Carroll holds a joint degree in International Relations and International Economics from Georgetown University in Washington, DC.  Additionally, she holds dual citizenship in the United States and Ireland and lives in the San Francisco Bay Area with her family. She joins the Indeflex team as a key member of the Advisory Board, where her experience and deep payments knowledge will support strategic growth and planning as the business quickly grows.
Carl Mazzola
Member
Carl Mazzola is an electronic payments industry veteran of over 30-years. He has held executive management and c-level positions at First Data, TeleCheck, Bank of America Merchant Services and most recently TSYS where he was President and Chief Revenue Office for their Healthcare Payments and Integrated Partner Payments division. In each of these roles, Mazzola built and motivated highly talented business development, sales, and customer/partner relationships teams that consistently led the respective organizations in revenue and profit growth. Vision, creativity, customer and partner focus, execution, risk-taking, teamwork and high professional and ethical standards are recognized characteristics of Mazzola’s successful teams.
Mike Gramz
Member
Mike Gramz leads all risk management functions at Yapstone which is focused on providing partners with world class Marketplace Trust and Safety solutions. Mike is a payments industry veteran who has spent much of his career focused on compliance and regulatory policy, PCI, credit, fraud, loss provisioning and loan loss reserves, and data security. He has over 27-years of financial services experience at FinTech companies including Merchant e-Solutions (a Cielo company) as Chief Risk Officer and Board Director, and 17 of those years at Bank of America where he was Chief Risk Officer for Bank of America Merchant Services (BAMS) and a key strategic contributor in the formation of the acquiring joint venture with KKR and First Data Corporation. As a risk executive for Bank of America, over the years he was also responsible for Global Corporate Banking product risk, oversaw card brand acquiring relationships, led Global Treasury Services compliance, and was accountable for all consumer and corporate compliance functions in Canada and Latin America including businesses in Brazil, Argentina, Chile, Uruguay, and Mexico.
Pepper Whaling
Member

Early on, Pepper was instrumental during the rapid growth of Cardservice International and its subsequent sale to First Data Corporation. As Director of Portfolio Management for First Data’s independent sales channels, he managed seven distinct business units representing hundreds of agent and ISO relationships worth hundreds of millions of dollars in annual revenue. The portfolio spanned four backend platforms and multiple frontends, and Pepper has gained in-depth knowledge of each. Subsequently, Pepper has worked with an increasingly diverse range of payment systems (including TSYS, Vantiv and Global Payments).

Pepper started consulting independently in 2010, after sensing a rising need among clients for deep payments expertise on critical near-term projects. The idea was to share the unique combination of industry knowledge and hands-on portfolio management skills he had gained over 12-years in the merchant acquiring business. He understands the views of small private companies and large public corporations, having worked in both unique environments.

Pepper holds an MBA from UCLA’s Anderson School of Management, where he specialized in executive management.

Don Canale
Member
Don Canale is an industry veteran with 20+ years of high-level financial planning and analysis experience. Mr. Canale served as the Vice President of Finance for a $725MM business unit within First Data’s (FISERV) Global Business Solutions segment. In his role as a Division CFO, he became a trusted strategic business partner providing broad decision support and insight to maximize opportunities for growth and profitability.