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About FirstView Financial

FirstView is an innovative PayTech solution provider exceling at making the process of receiving and sending payments simple, seamless and instantaneous. Through its advanced technology platform and expert services, FirstView enables companies to create new revenue streams, reduce costs, increase security and improve efficiencies. FirstView empowers its customers to streamline payments and create marketplaces that support person-to-person, business-to-business and/or business-to-consumer transactions through API integration, debit cards, push to pay, alternative currencies and most financial processing networks.

Providing payment management solutions since 2005, FirstView stands out as an industry leader in electronic, prepaid and mobile product delivery, delivering turnkey prepaid debit card program solutions which enable clients to operate fully custom prepaid programs, without the compliance, risk management, overhead and operational burdens associated with entering the program management business directly. Awarded prestigious annual Paybefore Awards for five years in a row, FirstView’s most recent 2017 Judge’s Choice award was for its role in developing the BitPay Visa Prepaid Card.



Bob Raffo Jr. has over 30 years of executive experience in accounting and finance, system design and implementation, technology product development, and business management. He has held both CFO and CIO level positions with organizations such as PSKW, Cardinal Health, BLP Group Companies, and The McGraw-Hill Companies and has launched and built two successful consulting businesses. Bob’s unique background includes experiences in mergers and acquisitions, recapitalization, strategic planning, financial planning and profitability analysis, business process improvement, system integration, and business transformation. Most recently Bob led the successful recapitalization of PSKW resulting in a significant equity investment from Genstar Capital. Bob has published articles focused on the impact of vertically integrated systems in pharmaceutical manufacturing and has been asked to speak at numerous trade show events and corporate meetings. Bob holds a BS in Finance and Accounting from Lehigh University.



Nancy Torres has over 35 years of operations, information technology, and vendor management experience with top-tier organizations such as FirstData, The Home Depot and Worldpay. From leading the development of a state-of-the-art reconciling and billing system at FirstData to implementing a streamlined global accounts payable processing system at The Home Depot, Nancy has delivered meaningful value across the supply chain. Most recently, Nancy was the Vice President of Industry Relations at Worldpay where she was responsible for developing product offerings and expanding partnerships by managing executive level relationships with key brands such as VISA, Mastercard, AMEX, Discover and others. At FirstView, Nancy is responsible for expanding industry relationships and delivering solutions that meet our customers unique requirements while implementing best-in-class operating procedures and controls. Nancy is a graduate of Georgia Southern University, with a B.S. Degree in Marketing and holds a Master’s Degree from Kennesaw State University in Business Information Systems.



Jeff is a veteran financial professional in the banking and payments industries. He joined the Company in January 2012 after managing Settlement Accounting at a major international payments processor for almost 10 years. Jeff’s career includes internal control and accounting management at several regional banks throughout the Southeast. He is a Certified Public Accountant and a Chartered Global Management Accountant. He is a member of the AICPA, the North Carolina Association of CPA’s and the Georgia Society of CPA’s. Jeff graduated magna cum laude with a B.S. degree in Accounting from the Belk College of Business at the University of North Carolina at Charlotte.



Kevin has over 15 years of experience as a senior executive adapting to rapidly evolving changes in the regulatory and technology landscapes of the consumer financial services space. In addition to the daily management of prepaid compliance concerns, he has developed custom anti-money laundering programs, implemented Regulation E compliance protocols and guided multiple companies through the shift in regulatory expectations arising from the advent of CFPB. Kevin also has extensive experience in addressing the concerns of financial institutions as it relates to prepaid programs, network requirement and vendor management. He is active an active community volunteer and graduate of the Vanderbilt University School of Law.

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