UNcommon Talent

Founder & CEO
Jason Henrichs
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Jason is Chief Executive Officer of Alloy Labs, where he places a particular focus on leveraging his success in venture capital and startups to develop exponential growth opportunities for our members, especially through our Concept Lab and Alloy Alchemist Fund.
He has a long history as an innovator in financial services, creating new business models, and using technology to drive change.​ He has experience as a founder, venture capitalist, enterprise executive, board member, trusted advisor, engineer, community builder, and startup mentor.
Jason is a frequent speaker on the intersection of regulation and innovation; leadership in times of change; and the future of fintech.
​​He is also cohost of Breaking Banks, the number #1 global fintech podcast on Provoke.fm.
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​He co-founded one of the world’s first neo-banks (PerkStreet Financial), paving the way for a new breed of digital-only banks and partnerships between incumbent financial institutions and startups. Jason was previously the head of innovation for First Marblehead where he spearheaded the move beyond lending, launched new products and integrated innovative technologies including the first moves into social media.
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​Jason is also the creator of FinTEx.org, a not-for-profit expanding the Midwestern fintech cluster, and a global investor & advisor in fintech. He began his Engineering studies at the United States Military Academy at West Point and graduated with an A.B. in Engineering & Material Sciences from Harvard.
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Cofounder & Managing Director
JP Nicols
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JP is Managing Director of the Alloy Labs Institute, which develops and shares industry-leading best practices, tools, and frameworks to help financial institutions create a competitive advantage to de-risk the future and drive new growth.
He been internationally recognized as a leading voice for innovation, strategy and leadership, and his work has been featured in some of the industry’s top publications and conferences across the country and around the world.
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​JP is a trusted advisor to boards and leadership teams, a popular writer and speaker, and is often quoted in the media. He is the creator and a top-rated instructor for a groundbreaking program on fintech and innovation taught at leading graduate schools of banking. ​
He is also cohost of Breaking Banks, the number #1 global fintech podcast on Provoke.fm.
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He held a number of leadership roles at U.S. Bank during a 20 year period of dramatic growth from $0.75B to $60B in market capitalization, most recently serving as Chief Private Banking Officer. He held management roles at Key Bank and PNC prior to that.
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​JP holds a B.A. from the University of Akron, and an M.B.A. from Cleveland State University, where he conducted his research project at Buckinghamshire College in England. He completed the Leadership Excellence bank executive program at the University of Minnesota Carlson School of Business, and is also a graduate of the Cannon Financial Institute and the College for Financial Planning.
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SVP of Product
Samer Saab
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Samer leads our Concept Lab from discovery and problem definition, through solution selection and partner due diligence, to implementing and commercializing the results into viable and scalable solutions. He leads hands-on workgroups, member-driven centers of excellence, and peer discussions to rapidly test and implement relevant solutions
He is a problem-solver attracted to the toughest challenges. He has spent his career solving clients' and consumers' problems with operational and digital solutions. Today he spends every day driving value for our member banks, partners, and co-investors.
Samer previously he spend five years financially engaging the world's unbanked as cofounder and Chief Operations Officer at Wala, where his team addressed issues that prevent the world's underserved from accessing basic financial services, utilizing the most innovative tools available in the market, including Dala, a blockchain-based cryptocurrency designed and launched by the Wala team.
Prior to that, he co-founded Unbranded Designs, a crowd-sourced furniture design company and built the world's first online furniture design community and, with that community, brought an innovative design approach to some of the world's most prestigious organizations.
He began his career at ZS Associates as a business operations consultant, working in a number of data-heavy roles and cofounding the process improvement practice.
Samer holds master's and bachelor's degrees in Industrial and Operations Engineering from the University of Michigan and is a Tauber Institute for Global Operations Fellow. He is also a Six Sigma Green Belt.

VP of Partnership Strategy
Madeline Fredin
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Madeline is VP of Partnership Strategy at Alloy Labs, where she leverages her deep expertise in business modeling to facilitate strategic partnerships
within the membership. She is passionate about the potential for value creation in the banking industry when financial institutions pursue differentiating competitive advantage.
To that end, she works alongside Alloy
Lab’s members to contextualize insights emerging from the alliance activities and curate partnership opportunities.
Prior to joining Alloy Labs Madeline led strategy for Crowe LLP’s financial services consulting practice. She facilitated strategic planning for bank clients, leaning on her deep expertise in design thinking. Madeline also applied these frameworks in her consulting to Crowe’s partners, advising on practice strategy.
Prior to that, Madeline led new product development for Crowe’s credit solutions consulting practice. She has first-hand experience translating market insights into product vision, developing product prototypes, testing those prototypes, and iterating to find product market fit.
Madeline began her career designing software used by floorplan lenders throughout North America. This season put her shoulder to shoulder with credit analysts, underwriters, and commercial lenders to solve their most challenging operational problems.
Madeline holds a B.A. in Business / Economics from Wheaton College. She currently resides in Minneapolis where she is an avid gardener.
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Principal, Ventures
Kelsey Landau
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Kelsey manages our active portfolio of investments in fintech and related companies for the Alloy Alchemist Fund. She also tracks and monitors relevant fintech companies for potential investment and partnership opportunities for Alloy Labs members in our Concept Lab.
She conducts due diligence and market and financial analysis on behalf of the firm, our portfolio companies, and our co-investors. She matches a keen eye for detail and rigorous analysis with a unique ability to identify and clearly communicate salient points to generate immediate impact for all parties.
Before joining Alloy Labs she was an Investment Banking Associate at Citigroup Global Markets, where she led day-to-day transaction coverage, including ratings analytics, investor outreach, relationship management, and syndicate coordination.
Kelsey graduated cum laude with a BS in business administration from the University of Florida's Warrington College of Business, and she holds an MBA from the University of Chicago's Booth School of Business.
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Director of Member Success
Amber Frye
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Amber is focused on ensuring member success by connecting their strategic priorities with peer members and Alloy Labs work streams. She is the voice of the members in strategy and planning within the company. She also leads Ladies of the Lab, which shares the successes of women leaders and creates career path opportunities for the next generation.
Before joining Alloy Labs, Amber was the Chief Operating Officer for a $700 million community bank in Kentucky where she honed her banking career for ten years. As COO she oversaw the customer service, marketing, branch and deposit operations teams. Amber has participated in industry and community events as a community banking expert.
Amber currently serves as the board chair for Junior Achievement of South-Central Kentucky, a non-profit whose mission is to prepare young people to succeed in a global economy by teaching financial literacy, entrepreneurship, and career readiness skills. She has been a volunteer for Junior Achievement for the last ten years and a board member for six. Amber has a passion for teaching the next generation to be successful.
Amber was awarded the ATHENA Young Professional Leadership Award® from the Bowling Green Kentucky Chamber of Commerce in 2020. This award honors an emerging leader who demonstrates excellence, creativity, and initiative in their business or profession, and serves as a role model for young women personally and professionally. Amber was also the 2017 Hagerman Award recipient, the top honor for a graduating member of Leadership Bowling Green.
Amber holds both a BA and an MBA from Western Kentucky University.
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Head of Platform
Pam Kaur
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Pam Kaur is the Head of Platform at Alloy Labs, where she leads the firm’s post-investment and ecosystem strategy — turning ideas into execution across the consortium’s network of member banks and fintech partners. She accelerates collaboration between portfolio companies and banks, helping innovative concepts scale from pilot to production and driving adoption of new technologies across the Alloy Labs Alliance.
Before joining Alloy Labs, Pam served as Head of Bank Technology at BankTech Ventures, where she built the fund’s platform function from the ground up. Her work connected 100+ community banks with fintech innovators and supported the generation of millions in annual recurring revenue for portfolio companies. Her experience sits at the intersection of technology, banking, and venture capital — enabling her to bridge the gap between founders building the future of finance and institutions ready to modernize.
Pam brings over a decade of leadership experience in financial technology, venture operations, and bank innovation. She has advised CEOs, boards, and innovation teams on strategic partnerships, regulatory alignment, and operational transformation. A recognized voice in the fintech ecosystem, she regularly moderates panels, contributes to industry thought leadership, and serves as an advisor and mentor to emerging founders.
Beyond her professional work, Pam is passionate about creating inclusive ecosystems where technology and human connection coexist. She co-founded Tech Sis, a community that empowers women in fintech and technology through mentorship, storytelling, and collaboration. Driven by what she calls “fintech with heart,” Pam believes innovation thrives when anchored in empathy, ethics, and shared purpose.

Operations Coordinator
Jessica Johnson
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Jessica keeps all of the plates spinning, from event planning and logistics to organizing speakers, resources, and materials, to the daily and weekly operations of our centers of excellence and monthly member meetings, and a million other tiny things no one will ever see.
She works closely with members, portfolio companies, partners, and the rest of the Alloy Labs team to ensure our high standards are met consistently.
She brings 10 years of experience in providing comprehensive support to C-level executives and professionals in demanding corporate and clinical settings. Her proven ability to anticipate needs, prioritize tasks, and maintain the highest level of discretion when handling sensitive information makes her a valuable resource for everyone in the Alloy Labs ecosystem.
Her background in sales, sales management, public relations, and training have honed her skills in streamlining workflows, managing complex calendars, and building strong professional relationships to ensure seamless operations.
Jessica earned her BA in Public Relations from The University of Georgia.
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Rebolt Financial Technologies- an Alloy Labs spinout

Jason Henrichs
CEO
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Jason is the Chief Executive Officer of Rebolt Technologies Payment Systems, where he leads the company’s mission to transform digital payments through innovation, scalability, and security. With a background spanning venture capital, startups, and enterprise leadership, he brings deep expertise in building and investing in technologies that redefine how money moves.
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A recognized leader in fintech, Jason has founded and advised multiple ventures at the intersection of finance and technology. He co-founded one of the world’s first neobanks, PerkStreet Financial, and previously served as Head of Innovation at First Marblehead, pioneering digital engagement and new financial products.
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Jason is the cohost of Breaking Banks, the world’s leading fintech podcast, and the founder of FinTEx.org, a nonprofit advancing the Midwest’s fintech ecosystem. He holds an A.B. in Engineering and Material Sciences from Harvard University and began his studies at the United States Military Academy at West Point.

Andrew Hoag
Chief Product Officer
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Andrew J. Hoag serves as Chief of Product at Rebolt, where he leads the strategy and execution of product innovation — driving adoption of new platform capabilities and enabling partners to leverage Rebolt technologies to enter new markets and create transformative applications and use cases.
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Andrew brings over 20 years of experience spanning enterprise software, SaaS platforms, and emerging technologies. He has built and scaled product organizations, led cross-functional teams, and delivered category-defining solutions across multiple industries. Throughout his career, Andrew has combined strategic vision with operational excellence to align business outcomes, technology innovation, and customer success.
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Prior to joining Rebolt, Andrew founded and led Teampay — a spend-management software business he grew and ultimately sold to Paystand in 2024.
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At Rebolt, Andrew’s focus is on shaping a product ecosystem that empowers partners, accelerates innovation, and delivers lasting value across the network.

Kasie Williams
Project Manager
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Kasie helps drive operational excellence and seamless execution across Rebolt Technology’s initiatives, leveraging her expertise in financial technology and collaboration to support innovation and efficiency. She focuses on aligning people, processes, and platforms to deliver measurable value for partners.
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Prior to joining Rebolt, Kasie spent nine years with COCC, where she advanced through multiple roles supporting financial institutions with technology solutions and client service. During her tenure, she worked extensively with banks and credit unions to optimize performance, streamline processes, and enhance client experiences. Her deep understanding of core banking technology and payments enables her to connect innovation with execution across Rebolt’s systems.
Venture Partners and Advisors

Colleen Wilson
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Colleen has held leadership roles in product, product marketing, strategy, insights, and development; helping companies build, launch, and grow products, processes, people, and strategy to address critical strategic challenges.
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Her specialities include product definition, new markets/opportunity assessment, building a product process, and go-to-market strategies in multiple industries.

Trish North
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Trish helps to drive adoption of new products with members and partners, leveraging synergies from the Alloy Labs Institute, the Concept Lab, and the Alloy Alchemist Fund to open new markets and create new applications and use cases.
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Trish previously built and led the member success efforts for Alloy Labs Alliance members as part of a broad career in financial services, rising through the ranks of traditional banking, digital banking, fintech startups, and driving product strategy for one of the largest core software providers.

Santo Cannone
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Santo’s technology experience includes leadership positions in sales, product
management and operations for businesses ranging from start-ups to Fortune 500.
An industry veteran, he has served as Chief Product Officer for Fiserv, Chief Operating Officer for ConnectWise, Senior Vice President, Real Time Systems for FIS and Managing Director at EDS.
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Joyce Mehlman
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Joyce is a banking professional with over 30 years of experience concentrated in Operations, Compliance and Project Management.
She has worked for banks of all sizes, both domestic and international, and across all areas and products. Her most recent focus includes the COO role and projects helping both incumbents and challengers like Simple and Moven.


