Michael Gramz Email Address

Executive Vice President, Chief Risk Officer and Board Director for Yapstone International Ltd

Yapstone , Inc. is primarily engaged in furnishing telephone voice and data communications, except radiotelephone and telephone answering services. This industry also includes primarily engaged in leasing telephone lines or other methods of telephone transmission, such as optical fiber lines and microwave or satellite facilities, and reselling the use of such methods to others.

I am a FinTech executive leader and innovator with unique experiences and perspectives that draw upon both strategic and operating roles. I have operated in the capacity of Chief Risk Officer, Chief Administrative Officer, and Chief Operating Officer, with full P&L responsibility, recognizing the importance of scalability, profitability, and growth. I am a collaborative change agent, creating the vision and leading teams to delivery and improved Trust and Safety at iconic brands like Bank of America, Cielo and FinTech startups. I love to problem solve and am able to create a vision and mission in the most ambiguous and evolving of situations and to deliver against the odds. Very comfortable with owning complex problem solving in fast-paced global matrixed organizations. I am a talent magnet able to attract, motivate and develop an exceptional team of complex problem solvers and innovators focused on risk mitigation while improving the customer experience. I am an innovator in all aspects of marketplaces, global emerging payments, and corporate and retail banking. Including successfully leading international expansion and growth efforts in Europe and Asia and key contributor to the formation of a multi-billion dollar payments joint venture led by KKR and included First Data and Bank of America Merchant Services. I use a data-driven leadership approach, based on motivating and managing teams using KPIs to ensure accountability, transparency and aligned efforts towards organizational goals. I am experienced in corporate Board oversight having served, and continue to serve, as a Board Director both in the US and Europe.