Mission
Empower financial institutions and fintechs to build stronger, more transparent partnerships by making regulatory compliance intelligent, proactive and human.
About BalancedTrust
Built at the intersection of Responsible Innovation and oversight.
BalancedTrust was born from a simple observation — banks and fintechs wanted to work together, but the gap between innovation speed and regulatory rigor kept getting in the way. Promising partnerships stalled, compliance teams were buried in reactive processes, and the tools available weren't built for the modern landscape.
So we built something different — a platform and a team that bridges the divide between innovation and oversight, translating a fintech's compliance culture into a language banks can trust.
We exist at the critical intersection where financial innovation meets regulatory oversight, providing the tools, intelligence, and expert guidance that institutions need to operate with confidence in an increasingly scrutinized landscape.
Responsible Innovation.
Support modern financial products, payment models, digital asset activity, and emerging transaction environments.
BalancedTrust
Trust Layer · Compliance Infrastructure
Create clearer evidence, stronger visibility, and more consistent partner confidence.
Oversight.
Connect business activity, risk signals, policies, documents, and workflows to governed action.
What Drives Us
The principles behind the platform.
Our core principles define every product we build and every partnership we foster.
Vision
Be To be the definitive standard of trust in financial services compliance - where every institution operates with clarity and confidence.
People-First
We believe compliance should be a bridge, not a barrier. Our Team combines deep regulatory expertise with modern technology.
Innovation
AI-powered clarity and risk-first automation and unified visibility, built for the complex work of banking, fintech and payments.
Leadership
Executive Leadership
Founder & Chairman
Travis Dulaney
Travis Dulaney is a seasoned leader in the FinTech and payments industry with extensive expertise in real-time payments, regulatory compliance, and risk management. As the founder of multiple successful startups, including PayFi and Wildcard Payments, he has raised capital, built innovative platforms, and led strategic exits. Currently as the CEO of BalancedTrust, he develops product strategies and helps his team deliver cutting edge solutions for banks, fintechs, and crypto companies.
Co-Founder & Chief Risk Officer
Kimberly Hebb
Kimberly Hebb brings 25 years of experience in financial industry risk management, having served as a chief risk officer, federal regulator, banker, and regulatory consultant. She specializes in compliance solutions for fintechs and financial institutions. Previously, she held leadership roles at BillGO and the Office of the Comptroller of the Currency, where she developed industry guidance, training programs, and supervisory tools.
Co-Founder & Chief Operations Officer
Tina Giorgio, DBA
Tina Giorgio is a seasoned community banker with 30 years of experience across payment systems, digital banking, risk management, and client service. She has served on boards with the Federal Reserve and NACHA, and was President and CEO of ICBA Payments. Giorgio holds an MBA from UMass Amherst, a BS in Business Management, and additional executive certifications from Vanderbilt and Wharton.
Advisors & Team
The people behind the platform.
Key Strategic Advisor
Terry Ammons
Terry Ammons is the Managing Principal of Snomma Ventures/Advisors, an investment and advisory firm focused on fintech and financial services. Prior to Snomma, Terry was a Partner and the Fintech Leader of Wipfli LLP, a Top 20 advisory and consulting firm serving financial institutions and fintech firms throughout the United States.
Banking Risk Management Advisor
Peter Moenickheim, CERP
Peter Moenickheim brings more than 20 years in banking, finance, and payments. As a former Chief Risk Officer at Gateway First Bank and Ocwen Financial, he revamped enterprise risk programs, with additional leadership roles at Santander Consumer and JPMorgan Chase. He is known for tailoring governance, risk, and compliance solutions to real business risk profiles and operating models.
Business Development and Relationship Manager
Chris Gowen
Chris Gowen is a seasoned sales, customer success, and strategic partnerships executive with over 20 years of experience across enterprise sales, mortgage technology, FinTech, regulatory compliance, and financial services. He has held leadership roles at organizations including ICE Mortgage Technology, Wolters Kluwer, Conduent, and Capsilon, driving revenue growth, customer retention, and strategic partner expansion. Gowen holds an MBA in Accounting from the University of North Florida, a Bachelor of Arts in Accounting from the University of Georgia, and is a Certified Public Accountant (CPA).
Content Curation and Communications Support
Moiz Altaf
Moiz brings a broad marketing experience having worked with and marketed products in various niches such as Blockchain, F&B, Video Production, SaaS and more.
AI Engineer
Jack Andre
Jack Andre is a graduate student at Northeastern University pursuing his Master's in AI, bringing fresh perspective and cutting-edge knowledge to the team. He specializes in AI-powered fintech systems and applied machine learning, with a focus on building responsible tools that improve financial services through practical, production-ready intelligence.
Engineering Implementation Team Lead
Divya Charita
Leads the implementation of BalancedTrust's AI-powered compliance platform, overseeing solution architecture, delivery, and customer collaboration.
UI Engineer
Charchika Biswas
Creates intuitive user experiences by building seamless interfaces that connect data, workflows, and AI-powered insights.
Quality Analyst
Manas Harsit Raj
Ensures the reliability and quality of BalancedTrust through thorough testing, validation, and continuous quality assurance.
Data Engineer
Swabarna Banerjee
Builds and manages reliable data pipelines that power BalancedTrust's AI compliance platform.
AI Engineer
Shanu Dey
Develops the AI capabilities powering BalancedTrust's compliance automation.
Leadership and team
Ready When You Are
Start a Service Offering Review.
BalancedTrust helps fintechs prepare regulated offerings for bank review and helps banks validate those offerings with structured evidence, risk visibility, and ongoing monitoring.