Name:   Leadership: Excellence Starts At the Top

Description:   Bios

Section Name:   Leadership

Section Description:   CardFlex® is led by a team of industry veterans with a combined sixty years of experience. Our management team knows the industry inside and out, and has the expertise and dedication to innovation to lead CardFlex® and the industry forward

Name:   Andrew M. Phillips

Title:   President and CEO

Description:   Andrew M. Phillips is a 28-year veteran of the payment processing industry. Prior to founding CardFlex®, Andy owned and operated several other payment processing companies including CheckRite, a check-recovery franchise, and Integrated Transaction Services, a full-service processing ISO that also specialized in electronic benefits transfers. His technology expertise led him to develop some of the industry’s top processing technologies, including Transaction Central™, a web-based credit card and ACH terminal that features all of the functionality of an electronic countertop terminal. Leveraging his unique experience, Andy founded Payment Resources International, Inc. (PRI) in 1998. He built the company into a leading payment processor, specializing in emerging markets and alternative strategic verticals. Under his leadership, PRI produced above-average portfolio growth with below-average merchant attrition. In 2004, Andy sold PRI and contemplated spending the majority of his time working with nonprofit community organizations. But the transaction processing world is in his blood, and he soon saw a need for a merchant services company that viewed sales and distribution channels as customers. In 2008, Andy created that company when he founded CardFlex®, Inc., a wholesale ISO committed to providing best-of-breed products and services to the merchant and sales-agent communities alike. A highly successful entrepreneur, Andy is also committed to community service. He has served as vice chairman of the Make-A-Wish Foundation of Orange County, serves on the board of directors of the Orange County Alzheimer’s Association, the board of directors of Pacific Mercantile Bank (PMBC), and has been instrumental in the revitalization of the YMCA in Orange County. Andy is happily married with five daughters, four grandchildren, eight horses, and six dogs. He jumps his horses competitively with his wife and two of his daughters, is an avid golfer, and enjoys extreme skiing.

Name:   John S. Blaugrund

Title:   Executive Vice President of Operations

Description:   John S. Blaugrund is an industry leader with twenty years of experience in global payments processing, including six years as senior vice president of technology at Payment Resources International. John is responsible for all phases of design, certification, roll-out, enhancements, and support of IP-based transaction-processing systems that support credit, debit, prepaid, and EFT/ACH transaction authorizations, capture, and settlement.

Name:   Linda Meek

Title:   Senior Vice President of Human Resources and Compliance

Description:   Linda Meek leads the human resources and compliance and information security departments. She has over fifteen years of compliance and operations risk-management experience in the financial services industry. Linda received her BA from the University of Southern California and her ABA approved paralegal certificate in Corporations and Litigation from the University of California, Los Angeles Extension program. She is also a graduate of the American Bankers Association’s Graduate School of Compliance. Linda is a member of the MAC and participates on the education committee. She is passionate about ethics and when not directing CardFlex®’s compliance and human resources departments likes to spend her free-time enjoying the outdoors.

Name:   Jamie Gonzalez

Title:   Vice President of Business Development

Description:   Jaime Gonzalez created CardFlex®’s sales channels and strategic partnerships, and built them into an industry leader. He directs sales, business development, and management of accounts spanning payment technologies, agent support operations, and account management. Before joining CardFlex®, Jaime was vice president of business development at TransFirst where he worked on strategy, sales, and new business formation, particularly in merchant acquiring. He started his career in electronic payments as director of sales for Payment Resources International, where he established and managed the company’s direct sales force and developed the ISO channel.

Name:   Marjan mansour

Title:   Director of Finance

Description:   Marjan Mansour leads the Financial Planning, budgeting and analysis, as well as accounting, for CardFlex®. She develops, designs and manages a rolling forecast to measure and report financial performance of business units and departments across key metrics, and produces financial statements according to GAAP. Marjan also drives ongoing process and content improvement to increase overall quality and efficiency of reporting and analysis. She manages the Accounting Staff, the processes, procedures, reconciliations and month-end close and interfaces with outside auditors to support quarterly and annual review. Graduating Magna Cum Laude from University of San Francisco in Management Information Systems, Marjan has more than 15 years of experience working in public companies, directing and managing financials including preparation and filing of SEC reports. She enjoys yoga, hiking, dancing, cooking, and spending time with her family.

Name:   Kelby Berg

Title:   Operations Manager

Description:   Kelby Berg leads CardFlex®’s agent relations, data entry, and deployment staff and is responsible for day-to-day operations. As the previous head of agent relations, she managed CardFlex®’s North American ISO and independent sales representatives. She has also led operations for a personal effectiveness training company. When not working to improve CardFlex®’s operations, Kelby enjoys going to the beach, concerts, camping, traveling, and doing charity work.

Name:   Jessica Molina

Title:   Office Manager and Executive Assistant to the CEO

Description:   Jessica Molina handles the logistics for the entire CardFlex® team. As the go-to person for special events, office management, CRM management and corporate sponsorships, she interfaces with every member of the company. Jessica has been the Executive Assistant to Andy Phillips, CardFlex®’s CEO, for over 9 years, supporting him every step of the way. She’s been an integral part of CardFlex®’s current ventures and she looks forward to the new and exciting challenges ahead. In addition to coordinating the day-to-day operations at CardFlex®, Jessica is also a busy mom, looking after her 3 year-old daughter and 9 month-old son. She enjoys staying active, entertaining, shopping, relaxing under an umbrella and reading.

Name:   Martin Phillips

Title:   Special Projects Manager

Description:   Martin Phillips is one of the founding managers of CardFlex®. He assisted in the development, maintenance, and security of the company’s network and web applications, and now manages the day-to-day operations of the Prepaid division. Prior to serving CardFlex®, Martin was instrumental in developing the hardware deployment department for TransFirst, a credit card processing firm. He also supervised the day-to-day operations for Transaction Central, TransFirst’s proprietary online payment gateway. He was also a manager at Merchandise Support Inc., a company contracted with Eastman Kodak to support and promote the Kodak digital imaging line in Colorado. Martin enjoys tennis, fencing, cycling, photography, and all things tech.

Name:   Kenny Brook

Title:   Senior Account Executive

Description:   Kenny Brook helps lead CardFlex®’s sales initiatives and specializes in customer relationship management. Before being named CardFlex®’s Salesman of the Year in 2010 and 2011, Kenny brought sixteen years of servant-leadership in nonprofit management from the YMCA. He continues to open doors at the highest levels for small, medium, and large companies for CardFlex®. Kenny’s main strengths are building and maintaining relationships with a deep commitment to service. His passion for the organized camp community and nonprofit organizations is evident through the hundreds of clients served. Kenny is happily married with four children and is a committed volunteer to all of his children’s interests, including support of AYSO soccer as a coach and the Festival Ballet Theater

Name:   Emma Baillie

Title:   Senior Account Executive

Description:   Emma Baillie leads CardFlex®’s business development team. Her responsibilities include directing the sales of on-demand procurement solutions that allow customers to achieve cost savings and business process efficiencies. Emma is an exceptional communicator with demonstrated success in building and managing customer relationships. Prior to joining CardFlex®, Emma was an account executive at TransFirst in the payment resource division where she helped establish strategic partnerships with large organizations, and hired, trained, and managed a large team of sales representatives. She was also responsible for strategy, development, training, and implementation of cross-sale initiatives to improve attrition and drive additional revenue to TransFirst. Emma was previously a consultant with PS Scotland where she managed welfare state projects in areas within cities comprised of government subsidized housing, and negotiated with city officials on behalf of the tenants. Originally from Scotland, Emma has a BA degree in Applied Consumer Studies from Queen Margaret University College, Edinburgh. When she’s not in the office, Emma is likely hanging out in Havasu alongside her family and river friends if not beach bound.

Name:   Our Services

Description:   Products and Services

Section Name:   Merchant Services

Name:   Merchant Services: Merchant Processing Services That Work For You


Name:   My Merchant Account: Easy Access to Your Merchant Processing Account


Section Name:   Products and Services: Powerful Merchant Processing Products and Services

Section Description:   CardFlex is making payment processing faster and more flexible than ever with customized payment solutions for businesses all over the world—from corner stores to global corporations. Our extensive suite of merchant processing products and services gives companies like yours the freedom to do business virtually anywhere, reduce transaction costs, provide better customer service, and take advantage of cutting-edge technology.

Name:   Retail: Retail Merchant Services Improve Point-of-Sale Transactions


Name:   MOTO: MOTO Merchant Account Services For Any Size Business


Name:   eCommerce: More Efficient eCommerce Payment Processing


Name:   Mobile: Take Your Business Anywhere With Mobile Credit Card Processing


Name:   ACH by CLIQ: ACH Payment Processing Simplifies Transactions and Improves Convenience


Name:   Gateways: Make Payment Fast and Easy With Online Payment Gateways


Name:   Teminals: Secure Teminals for Any Business Need


Name:   Cash Advance: Grow Your Business With a Merchant Lending Plan


Name:   Gift Cards: Merchant Gift Cards Build Loyalty and keep Customers Coming Back


Name:   Check Services: Improve Cash Flow With Remote Check Processing Services


Section Name:   Industries We Serve: Full-Service Payment Solutions Tailored for Your Industry

Section Description:   Your industry may be complex, but your payment processing solutions don’t have to be. CardFlex delivers a complete end-to-end solution for companies of any size, and develops programs to fit your unique needs. Our technically advanced, custom payment processing services and customized, reloadable, branded prepaid cards address the challenges faced by companies in a wide variety of industries. Speak with an industry expert today by calling 866-634-3044 or emailing

Name:   Hospitality: Concierge Quality Payment Solutions for the Hospitality Industry


Name:   Camps: Making Payment Processing Easier and More Convenient for Camps


Name:   Education: Advanced Payment Solutions for Higher Education


Name:   Direct Response: Better Direct Response Payment Solutoins, Security, and Customer Service


Name:   Nonprofit: Serving Nonprofits as Well as They Serve Communities


Name:   Healthcare: Prepaid and Payment Processing Solutions for the Healthcare Industry


Name:   Rent Pay: A Faster and More Efficient Way for Property Management Companies to Collect Rent


Name:   Municipality: More Flexibility, Revenues, and Services for Municiplalities


Section Name:   Agent Benefits

Name:   Agent Benefits: Partner With the Best in the Business


Section Name:   Partners

Section Description:   Check Out Our Merchant Services Parners

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