Joe Cowan joined Online Resources in June 2010 as president and chief executive officer, and serves on the company's Board of Directors. He has more than 25 years experience in executive management of technology companies. Most recently, Cowan served as chief executive officer of publicly owned Interwoven, an enterprise content management software company. Prior to Interwoven, Cowan served as chief executive officer of publicly owned Manugistics Group and for privately held EXE Technologies, both supply chain management software companies. He has also held management positions at Invensys, Wonderware, Texas Instruments, Eurotherm Corp. and Monsanto. Cowan currently serves as a Director of Blackboard Inc. (Nasdaq (GS): BBBB). Cowan holds a M.S. in engineering from Arizona State University and a B.S. in electrical engineering from Auburn University.

Cathy Graham has financial management and corporate administrative responsibility for Online Resources, reporting to the interim chief executive officer. Graham has 20 years of experience in the banking and technology fields, and a history of building businesses via strategic acquisitions. Graham previously served as CFO of VIA NET.WORKS, Inc., where she negotiated the acquisition of 26 companies in 14 countries over a 24-month period. Prior to VIA NET.WORKS, Graham was Vice President of Finance and Investor Relations Officer for Yurie Systems and headed the transition team after the sale of the company to Lucent Technologies. Graham has also held financial executive positions with Smith Barney, First National Bank of Maryland and Maryland National Bank. Graham holds an M.B.A. from Loyola College in Maryland and a B.A in economics from the University of Maryland.

Ron Bergamesca oversees Online Resources' Banking Services. He is responsible for developing and maintaining the Company's financial institution client relationships, providing integrated online banking, payments, relationship management, professional services and software to banks and credit unions of all sizes. Bergamesca joined Online Resources in 1998 and was formerly a vice president with CUC International (later Cendant Corp.), where he managed the nation's largest credit card protection program. For 10 years he was a general manager at MBI, Inc., a leading direct marketer of heirloom collectibles. Bergamesca holds a bachelor's degree in mechanical engineering from Lafayette College and an MBA from MIT's Sloan School of Management.

Bob Craig heads Online Resources' eCommerce Services. He is responsible for developing and maintaining the Company's biller and credit provider client relationships, providing electronic billing, payments and collections services to hundreds of businesses across the financial services, utility, insurance, healthcare and other industries. Prior to assuming his current position in 2006, Craig served as head of business development for First Data Corporation, where he headed sales, marketing, account management and product development for remittance processing clients, including major corporate billers and card issuers. In 1996, he co-founded REMITCO, a remittance processing company serving millions of consumers in the credit card, telecommunications and utility industries. REMITCO was acquired by First Data in 2000. Craig has also held senior management positions at Corestates Bank, now part of Wachovia Bank, and in JPMorgan Chase's global treasury and commercial divisions. He holds a Bachelor's degree from Lafayette College.

Sheila Narayan leads Online Resources’ Corporate Operations group. She is responsible for enterprise-wide operations including all payment operations, treasury management/ funds control, client support, and our call centers. Prior to joining Online Resources in 2008, Narayan was a strategic payments consultant and partner at First Annapolis, where she spent more than 10 years developing business and market strategy, leading strategic implementations, and managing client relationships for some of the largest U.S. and international banks, credit card issuers and payment processors. Narayan was recognized for financial excellence by Digital Equipment Corporation, where she conducted a 3-year intensive financial development program. Narayan holds a bachelor’s degree from Bryant College and a master’s degree from The Wharton School.

Bill Michael leads Online Resources' Corporate Systems Operations group. He is responsible for all facets of enterprise systems operations, data center facilities, network & telco, application support, asset management and business continuity management. Prior to joining Online Resources in 2000, Michael held senior roles with Treeba, Inc., a startup Application Software Provider, and the Centre Group, a subsidiary of the Zurich Financial Services, where he was responsible for software development, information security and systems operations globally. Michael holds a BS in Computer Science from the New Jersey Institute of Technology and an MS in Management from the New Jersey Institute of Technology, Executive School of Management. He has also obtained his Certified Business Continuity Professional ("CBCP") certification from the Disaster Recovery Institute International and the Certified Continuity Manager ("CCM") certification from the National Institute for Business Continuity Management.