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 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 privately held DataDirect Networks, Inc. Cowan holds a MS in engineering from Arizona State University and a BS in electrical engineering from Auburn University.

Greg Haney joined Online Resources in April 2012 as Executive Vice President of Operations. He is responsible for the daily payment operations and client services of the EBPP (Electronic Bill Payment & Presentment) business. Haney brings over 15 years experience in the payments, banking and operations fields, most recently consulting with organizations to improve overall operations related to electronic payment options, payments processing, transaction routing, cost control, revenue maximization, and interchange management. He has held leadership positions at Fiserv, BillMatrix (acquired by Fiserv), Sammons Enterprises, and Darling International. Haney holds a BBA degree in Accounting from Texas A&M University.

Jeff Kissling oversees Online Resources' Technology group. He is responsible for the Company's technology development, systems operations and management information systems. Kissling joined Online Resources in 2010, having nearly 30 years of experience in leading engineering and technology teams in various automation and enterprise-class technology businesses. Kissling served as CTO at Manugistics Group, Inc., BAAN (now a unit of SSA Global Technologies, Inc.) and Invensys Manufacturing and Process Systems. He has also held leadership positions at Interwoven, JDA Software Group, Inc. (which acquired Manugistics), Soft Systems Engineering and Wonderware Corp. Kissling holds a bachelor's degree in electrical engineering from the Pennsylvania State University and served in the U.S. Navy.

Eric Labiak leads Sales, Account Management and Client Services for Online Resources. He is responsible for driving new banking and biller sales and partnerships, as well as growing existing client relationships. Mr. Labiak joined Online Resources in 2007 as senior vice president of eCommerce Sales and Client Services where he has been instrumental in growing that business line. Prior to Online Resources, Mr. Labiak led sales and marketing at Image Processing Systems, an imaging, workflow and accounts payable outsourcing processor to Fortune 500 companies across multiple verticals, and also served as a general manager in the capital goods industry. He is a graduate of Lehigh University, where he received his bachelor's degree in systems and industrial engineering.

Steve Ryan oversees Online Resources' Software Solutions & Services group. This group encompasses the company's custom software and solutions, including Architect Online Banking and the award-winning Virtual Collection AgentTM. He is also responsible for the daily payment and customer service operations of the Banking business. Ryan joined Online Resources in 2011 with more than 20 years experience developing and launching new financial technology products in U.S. and global markets. Prior to Online Resources, Ryan held executive roles at Bank of America, First Data, Visa USA, GeoTrust (acquired by VeriSign) and Arcot Systems (acquired by Computer Associates). Most recently, he was the senior vice president and co-founder of IronKey, a mobile security solutions provider for online banking financial services. Ryan holds a bachelor's degree in management information systems from Old Dominion University.

Janie West leads Online Resources' Marketing & Product Management group, including product marketing, product management, corporate and consumer marketing, and corporate communications. She is responsible for identifying target markets, defining products and services and driving them into the marketplace. West joined Online Resources in 2010 with more than 20 years experience in overseeing business development, corporate strategy, product marketing and software sales and sales management. She has held leadership positions at Interwoven, Manugistics, Invensys and its subsidiaries Baan and Wonderware, Texas Instruments and InSource Software. West holds a bachelor's degree in electrical engineering from West Virginia University.