About Us

Our Story

From humble beginnings in a spare bedroom in Silicon Valley in 2002, Freedom has blossomed into a leader in online financial services that provides millions of consumers with successful solutions for debt settlement, mortgage shopping and personal loans.

The Start
2002
A Dream...
2 Teammates
No Venture Capital
Caring Deeply
Expansion
2007
340 Teammates
$54 Million Debt Resolved
Arizona Office Launch
Bills.com
Fun!
Recognition
2012
551 Teammates
$373 Million Debt Resolved
Inc.500
Best Places to Work
Entrepreneur of the Year
Established Leader
Today
1,000+
Employees
1,000+ Teammates
$4B Resolved (Cumulative)
FreedomPlus
Impacting Lives
Goals
Tomorrow
Thousands of Teammates
$10+ Billion Debt Resolved
Transforming Financial Services
Fun!

Leadership

Led by co-CEOs Bradford Stroh and Andrew Housser, we are proud to attract some of the greatest leaders in the industry.

Brad Stroh

CEO & Co-Founder

Brad Stroh

CEO & Co-Founder

Brad co-founded Freedom Financial Network in 2002 and Bills.com in 2005. Bills.com and FFN have been recognized by the Inc. 500 list, Entrepreneur Magazine’s Hot 100, and named multiple times to the list of Best Places to Work in Silicon Valley and Phoenix. Additionally, Brad was named to Silicon Valley’s “40 Under 40” list and was a regional winner of Ernst & Young’s Entrepreneur of the Year Award along with co-founder Andrew Housser. He is an investor, advisor and board member to several entrepreneurial companies. Brad received his MBA from Stanford Business School, where he was an Arjay Miller Scholar, and received a BA from Amherst College, where he captained the lacrosse team.

Andrew Housser

CEO & Co-Founder

Andrew Housser

CEO & Co-Founder

Andrew co-founded Freedom Financial Network in 2002 and Bills.com in 2005. Bills.com and FFN have been recognized by the Inc. 500 list, Entrepreneur Magazine’s Hot 100, and been named multiple times to the list of Best Places to Work in Silicon Valley and Phoenix. Previously, Andrew worked in the financial services industry, doing private equity investing with Littlejohn & Co., a $550 million private equity fund, and working in investment banking for Salomon Smith Barney. Andrew, together with co-founder Brad Stroh, is a past winner of the Ernst & Young Entrepreneur of the Year Award for Northern California. Andrew sits on the board of directors of several startup companies as well as two independent school boards. Andrew received his MBA from Stanford Business School, where he was an Arjay Miller Scholar and received a BA summa cum laude from Dartmouth College, where he was a member of Phi Beta Kappa.

Jeff Staley

Managing Partner

Jeff Staley

Managing Partner

Jeff partnered with Freedom Financial Network co-founders Andrew and Brad in the early days in order to dramatically expand the scope and scale of the business. Prior to FFN, he was a growth equity investor at Summit Partners and an investor in commercial and consumer credit at CarVal Investors, a value-oriented team focused on loan portfolios, corporate credit, and real estate. Jeff is also an investor and advisor to several entrepreneurial companies. Jeff received his MBA from Stanford Business School and a BA summa cum laude from Boston College. He’s married with 3 young boys and enjoys staying active in the great Northern California environment.

John Baker

Co-President & COO

John Baker

Co-President & COO

John is responsible for corporate enterprise operations. Previously he was Senior Vice President of Enterprise Effectiveness for Caesars Entertainment, Inc., the world’s largest gaming entertainment company with over 50 casinos and hotels under several brands. He joined Caesars' predecessor company, Harrah’s Entertainment, in 2005 as the Executive Associate to the Chairman, President and CEO. Prior to that, he was President and COO of HomeGain, Inc., a national online real estate services company, and was Senior Vice President and General Manager at Wells Fargo. He also held various positions with Booz, Allen & Hamilton consulting over a ten year period. John was a Director at Six Flags Entertainment Corp 2010-2014. He holds a bachelor's degree from Duke University and an MBA from Stanford University.

Sean Fox

Co-President & CRO

Sean Fox

Co-President & CRO

Sean leads marketing, sales, product, analytics, and business development for Freedom Financial Network. He joined from Reply! Inc., a leading online marketing platform where he had served as Chief Operating Officer for five years. Prior to Reply!, Sean was President of the social networking start-up Connecting Neighbors, which was purchased by Reply! in 2005. Sean began his online marketing career in 1998 with the start-up bamboo.com, which introduced “virtual tours” to the real estate and hospitality industries. That company went public in 1999 and then combined with its largest competitor to create Internet Pictures Corporation (iPix), where Sean served as VP of Sales and Strategic Alliances. Sean holds a J.D. from Georgetown Law School, a master’s degree from Cambridge University, and two bachelor’s degrees from Stanford University.

Carlyn Lamia

VP, Strategy & Innovation

Carlyn Lamia

VP, Strategy & Innovation

Carlyn joined Bills.com in 2012 after a decade honing her business, analytics, and leadership skills on Wall Street. She runs the data-ruled Strategy team at Freedom Financial Network, spending her time identifying and executing large strategic initiatives. New marketing technology to tackle? She’s on it. Opportunity to leverage data in a new way? She’s building it. Carlyn has a BA in economics from Amherst College and is an alumna of Columbia Business School. Her favorite ingredients are empathy, passion and data.

Noah Brownell

VP, Marketing

Noah Brownell

VP, Marketing

Noah runs marketing for Freedom Financial Network. Prior to joining FFN, Noah spent a few years working for a regional CPA firm that serves closely held businesses and high net worth individuals. Noah has a BS in Mathematics from UCLA.

Ed Chang

VP, Business Development

Ed Chang

VP, Business Development

Edward joined Freedom Financial Network after 20 years in financial services and technology. Previously, Edward was CEO of Strands, a global provider of personal finance and analytics software. Edward has also worked extensively in investment banking at Citigroup and Morgan Stanley and in technology at eBay and NetConversions, a software company he co-founded. Edward received an MBA from The Wharton School, University of Pennsylvania and a BA from Pomona College.

Linda Luman

VP, Human Resources

Linda Luman

VP, Human Resources

Linda brings extensive experience leading people strategy in fast-growing, high-performance organizations with a passion for employee engagement and enablement. With expertise in Talent Management, Succession, Learning & Development, Linda defines success as getting the right talent in the right place at the right time in all areas of the business. Her background includes HR leadership roles at GT Advanced Technologies and United Rentals. Linda has a bachelor's degree in Business Management.

Ethan Ewing

President, Bills.com

Ethan Ewing

President, Bills.com

Ethan runs the Bills.com online loan marketplace business. Through the ten-year history of the Bills business, Ethan is most proud of having built an exceptional team that helps consumers make smarter loan decisions while also driving innovation in the financial services industry. Ethan has served in leadership roles in the online marketing and mortgage industries. Ethan graduated from Denison University, where he captained the men's lacrosse team.

Francesco Fagnini

VP, Marketing & Monetization, Bills.com

Francesco Fagnini

VP, Marketing & Monetization, Bills.com

Francesco leads the Bills.com marketing efforts as well as the affiliate team for Freedom Financial Network. He has proven excellence in exceeding marketing goals, opening up new revenue channels and mentoring and leading marketing teams. Previously he worked at Bankrate where he ran Business Development. Francesco has a BA in Communication from USC Annenberg School for Communication and Journalism.

Oren Gal

VP, Consolidation Plus

Oren Gal

VP, Consolidation Plus

Oren manages the Consolidation Plus division for FFAM. Prior to his time at FFAM Oren spent two years managing online marketing at Bills.com and three years at Markel Insurance in various roles in the underwriting department. Oren holds a BS from Virginia Commonwealth University and an MBA from Stanford Business School.

Kevin Gallegos

VP, New Client Enrollment

Kevin Gallegos

VP, New Client Enrollment

Kevin currently manages Sales Operations for Freedom Financial Network. Kevin joined Freedom Debt Relief with over a decade of sales and customer service management experience. Kevin holds certifications in call center operations and credit counseling. Prior to joining the FDR team, Kevin worked with California Higher Education Loan Association, Southwest Student Services, and Bank One.

Dennis Harrison

EVP, Business Development

Dennis Harrison

EVP, Business Development

Dennis leads new business development efforts at Freedom Financial Network. He specializes in developing new market opportunities and brings extensive experience as an executive at several high growth companies including Reply! Inc., TARGUSinfo (acquired by Neustar), and Vicinity (IPO and acquired by Microsoft). Dennis began his career in sales and sales management at Oracle Corporation. Dennis holds a BS in Finance from Pennsylvania State University.

Stan Jones

VP, Negotiations

Stan Jones

VP, Negotiations

Stan joined Freedom Debt Relief in 2007 with over twelve years of call center management experience, nine of which were in collections. Prior to joining FDR, Stan worked with Encore Capital, Southwest Student Services, USA Group, and EDS. Stan has his BA degree in Business and Psychology from Virginia Commonwealth University.

Beth Kirsch

VP, Marketing

Beth Kirsch

VP, Marketing

Beth has been guiding high-growth digital marketing campaigns for the past 10 years. Previously the VP of Marketing at Like.com (acquired by Google), she brought the product to market and grew revenue from zero to millions. Before that, she was a Director of Marketing at LowerMyBills.com, an Experian Company and top-five Internet advertiser. She also directed customer acquisition for Audible, an Amazon.com, Inc. subsidiary, during its high growth period.

Bob Linderman

General Counsel

Bob Linderman

General Counsel

Bob has served as General Counsel to a wide range of financial services businesses and is a recognized expert in the legal, business and regulatory issues of online and offline consumer finance, including securitization and asset-backed lending. Bob earned his bachelor's degree cum laude with distinction and his law degree from Boston University, is admitted in California and Arizona, and is an active participant in several professional organizations.

Andrew Dull

VP, Credit Underwriting

Andrew Dull

VP, Credit Underwriting

Andy Dull is an expert in consumer credit behavior who excels at leveraging behavioral insights not captured by traditional risk modeling. After being Head of Credit and Underwriting in the Personal Loans division of Capital One ($10 Billion portfolio of $3k-50k loans), Andy pivoted to specialize in finding risk insights missed by credit bureau information. Andy is steeped in applied experience in nearly every aspect of credit analytics and underwriting.

Nathan Mascenic

VP, Business Systems

Nathan Mascenic

VP, Business Systems

Nathan is a business systems expert with over 15 years’ experience in call center technologies. At companies ranging from start-ups to enterprise, he has a proven track record of delivering on key company initiatives. With a passion for success and servant leadership, he loves to apply his paramedic skills of triage and prioritization to solving business problems. Nathan earned his bachelor's degree summa cum laude from Arizona State University.

Protap Mukerji

VP, Credit Risk

Protap Mukerji

VP, Credit Risk

A 20-year veteran in consumer lending, Protap was one of the earliest statistical modelers hired by Capital One. He held roles within the domestic and Canadian businesses as well as a strategy position in Credit Risk Management. In 2006, Protap joined Bank of America’s Reverse Mortgage unit and was responsible for product, pricing, underwriting, and analytics. He did a rotation in mortgage (1st and 2nd lien) before joining Freedom Financial Network. He earned a BS from Bates College and an MS from Carnegie Mellon.

Jason Pack

VP, Client Experience

Jason Pack

VP, Client Experience

Jason has a strong track record of delivering world-class customer service in highly competitive environments. His background includes vice president and director roles in Global Call Center Operations with Servicemaster, Dollar Financial and Discover Card. Jason has a bachelor's degree in Business Management and Administration from the University of Phoenix.

Jon Pedley

EVP, Product Management

Jon Pedley

EVP, Product Management

Jon brings an expertise to Freedom Financial Network based on years of experience working throughout the financial services industry, including time at Charles Schwab and JPMorgan. Jon’s passion is for his teams to build compelling consumer- and employee-facing user experiences that make the complex simple and delightful. Jon has a BA in Theoretical Physics from Cambridge and an MBA from Stanford Business School.

Rich Ransom

CFO

Rich Ransom

CFO

Rich has been responsible for the financial, accounting and treasury functions of Freedom Financial Network since 2008. Rich has had extensive experience with professional and financial services organizations, including CFO roles at Fenwick & West, LLP, McCown DeLeeuw & Co., and Hammilton Financial Services. Rich received his MBA from Stanford Business School and a BA in Economics from Vanderbilt University.

Eric Lookhoff

VP, Enterprise Payment Operations & Continuous Improvement

Eric Lookhoff

VP, Enterprise Payment Operations & Continuous Improvement

Eric is responsible for settlement, deposit, and payment operations; and quality assurance for FDR and FFAM. Previously, he was Director of Operations Infrastructure & Testing at Discover, and led Client Services, Network Support, and Billing - twice receiving the President's Award for Leadership Excellence. Prior to that, Eric led multiple sites at Intuit as Vice President of Operations for payment subsidiary Electronic Clearing House. Eric holds a BBA - Finance from University of Houston.

Abhijat Thakur

CTO

Abhijat Thakur

CTO

Abhijat is a technologist with over 15 years of experience in software engineering, design and development. Before coming to Freedom Financial Network, Abhijat held positions at BDNA, VMware, and Digital Chocolate. He is experienced in recruiting, managing and mentoring talented engineering teams globally. Abhijat specializes in Gaming Platforms, Multi-tier Enterprise Applications, Semantic Web and Social Networks.

Joseph Toms

President, FFAM

Joseph Toms

President, FFAM

Prior to joining Freedom Financial Network, Joe was a C-Level executive for both primary P2P platforms, Lending Club and Prosper. At Lending Club, he created the company’s investment subsidiary, LC Advisors, and subsequently became President of Prosper Funding LLC. He spent 25 years in asset management working for U.S. institutional accounts managing a variety of investment products and was one of the first employees at Fisher Investments.

Kenneth Wandstrat

VP, Wholesale

Kenneth Wandstrat

VP, Wholesale

Kenneth currently oversees Affiliate Relationships and Development for Freedom Financial Network. Previously, Kenneth was an Account Executive with New Century Mortgage, where he was responsible for new account development and broker relationship management. Additionally, he was the manager of Internet Business Development at New Century Mortgage. Ken received an MBA and BA from Xavier University.

Aleksander Zajic

VP, Analytics

Aleksander Zajic

VP, Analytics

Aleksandar has over 15 years of experience leading and building analytics departments from the ground up, designing and implementing high-impact analytics-based business platforms and applying advanced data mining and statistical modeling techniques to create actionable solutions. He has held senior management or executive positions at Bank of America, GE Money, Apple, Symphony Advanced Media and Mixr Inc. Aleksandar earned his MBA from RIT and a bachelor's degree from the University of Belgrade.