Founder
Tonik
• www.linkedin.com/company/tonikbank
• Full-time
Jan 2018 - Present
Manila, National Capital Region, Philippines
Founder and Chairman
FORUM
• www.linkedin.com/company/forum-capital-pe-
Jan 2015 - Present
Singapore
Founder and CEO
Platinum Bank Украина
• www.linkedin.com/company/platinum-bank-
Jan 2006 - Dec 2013
Kyiv, Ukraine
Private Equity - Managing Director
Innova Capital
• www.linkedin.com/company/innova-capital
Jan 2001 - Dec 2006
Warsaw, Poland
Private Equity - Investment Manager
Bank of America
• www.linkedin.com/company/bank-of-america
Jan 1997 - Dec 2002
Founder & CEO
RKR Systems
• Self-employed
Jan 1991 - Dec 1996
Phoenix, Arizona, United States

I am the Founder & CEO of Tonik, the Philippines’ first licensed digital bank. We're building the region’s leading credit-led neobank, scaling with industry-leading lending profitability and contribution-margin positivity as of Q1 2025. Backed by Insignia, Mizuho Bank, Peak XV (ex-Sequoia), and Point72, with $150M+ raised to date, we’re unlocking a $40B consumer credit gap through AI-driven lending and B2B2C distribution. I've been building banks & fintechs for 20+ years (Credolab, FLOW, AsiaKredit, FORUM, Platinum Bank), passionate about solving credit access in emerging markets. I bring a global lens—having lived in 8 countries and skippered my sailboat across Asia. Also, I make music (yes, on Spotify). If you're an operator or investor aligned with bold, disciplined fintech plays—let’s talk. Not here to be sold stuff, but always open to real conversations.
tonikbank.com
bankofamerica.com
Metro Manila