Joe Lynam has spent the last two decades as one of the leading pioneers of digital payment. He created the vision and developed innovative, patented digital payment solutions including the industry's fastest-growing PhoneBill service at PaymentOne. Lynam's early work in online payment methods, authentication tools, and comprehensive fraud control techniques now are emerging as industry-wide standards. Lynam is an accomplished entrepreneur and executive with proven ability to lead companies through profitable double and triple digit growth. Under his leadership, PaymentOne has more than doubled its revenues for four consecutive years, culminating in two Deloitte Fast 50 Awards, most recently noted as the 11th fastest growing technology company in Silicon Valley, and 33rd fastest growing company in North America. Previously, Lynam founded and led a telecommunications billing and payments company, VRS Billing Systems, which was successfully acquired by AT&T. Within three years, Lynam took that organization from startup to annual retail billings of more than $300 million. He also spent time at AT&T earlier in his career, where he served as National Billing Director responsible for managing over 100 employees that implemented and managed advanced nationwide billing and customer service systems. Lynam holds a Bachelor of Science in Marketing from Santa Clara University.