## Meet Our Team - Thomas Curran

### Thomas Curran

**Chief Risk Officer**

Tom is Upgrade’s Chief Risk Officer and Chief Compliance Officer. He is responsible for Upgrade’s compliance management system (“CMS”) including its compliance program, operational risk, business continuity, and vendor management.

Tom has twenty years of financial regulatory experience. Prior to joining Upgrade, Tom spent over six years with Promontory Financial Group as a senior member of the team advising consumer lenders, fintech companies, and mortgage originators and servicers on the development and enhancement of their enterprise risk and compliance programs.

Prior to that, Tom spent one year with the US Treasury’s Capital Purchase Program, and nine years as an examiner with the Office of Thrift Supervision (“OTS”). While at the OTS, Tom held a variety of specialist positions related to the examination of consumer credit.

## Board of Directors

[**Anju Patwardhan**  
Fintech Venture Investor and Former Bank Executive](/content/board/anju-patwardhan/index.html)

[**Peter Sterling**  
Head of Specialty Finance & General Partner at Outpost Ventures, Neuberger Berman](/content/board/peter-sterling/index.html)

[**Chris Gottschalk**  
General Partner, Mouro Capital](/content/board/chris-gottschalk/index.html)

[**Dr. Joseph L. Breeden**  
CEO, Prescient Models LLC](/content/board/dr-joseph-l-breeden/index.html)

[**Joseph F. Huber**  
Former Senior Advisor, UBS](/content/board/joseph-f-huber/index.html)

[**Mark Ortiz**  
Former Global FP&A Leader and Chief Diversity Officer, GE Capital](/content/board/mark-ortiz/index.html)

[**Meyer "Micky" Malka**  
Founder, Ribbit Capital](/content/board/meyer-micky-malka/index.html)

[**Renaud Laplanche**  
Co-founder & CEO, Upgrade](/content/team/renaud-laplanche/index.html)