Bold Leadership
At Vervent, innovation and drive start at the top. Our high-powered executive team leads with a wealth of expertise, spanning across industry segments to create smart, meaningful solutions that accelerate business growth.
David Johnson
CEO & Founder
David Johnson
CEO & Founder
David Johnson spearheads the bold leadership that Vervent brings to clients and the industry. He drives our business and people forward with a penchant for innovation, a talent for developing expert teams, and a passion for creating impactful results.
Since becoming CEO in 2008, Mr. Johnson has grown the company from a niche player in the mobile home servicing space into an award-winning, global financial services brand that delivers comprehensive solutions for an array of industries.
He pulls from more than 25 years of industry experience to accelerate each client’s success with unmatched perspective and foresight. Prior to leading Vervent, Mr. Johnson was SVP of Corporate Development at Memec LLC and a consultant for McKinsey & Company and Bain & Company, where he worked with Global 500 clients across North America, Europe, Asia, and Africa.
Mr. Johnson is a member of the Young Presidents’ Organization, a partner at Social Venture Partners, and serves on the board for several notable organizations. He holds a BS from UC Berkeley and an MBA from the Stanford University Graduate School of Business.
David Johnson
CEO & Founder
David Johnson
CEO & Founder
David Johnson spearheads the bold leadership that Vervent brings to clients and the industry. He drives our business and people forward with a penchant for innovation, a talent for developing expert teams, and a passion for creating impactful results.
Since becoming CEO in 2008, Mr. Johnson has grown the company from a niche player in the mobile home servicing space into an award-winning, global financial services brand that delivers comprehensive solutions for an array of industries.
He pulls from more than 25 years of industry experience to accelerate each client’s success with unmatched perspective and foresight. Prior to leading Vervent, Mr. Johnson was SVP of Corporate Development at Memec LLC and a consultant for McKinsey & Company and Bain & Company, where he worked with Global 500 clients across North America, Europe, Asia, and Africa.
Mr. Johnson is a member of the Young Presidents’ Organization, a partner at Social Venture Partners, and serves on the board for several notable organizations. He holds a BS from UC Berkeley and an MBA from the Stanford University Graduate School of Business.
Dhruv Vakharia
COO & CFO
Dhruv Vakharia
Specializing in operational finance and strategic corporate development, Dhruv Vakharia leads Vervent’s accounting and finance department and oversees the company’s overall fiscal vision and well-being.
As a prior operating executive, he established and executed growth through data-driven change management, strategic investments and partnerships, and capital structure optimization. He has also held various leadership positions in Bank of America Merrill Lynch’s investment banking, capital markets and proprietary investing divisions where he played a leading role in establishing a focus on fintech and consumer financing across various M&A, capital markets and operational efforts.
Mr. Vakharia is an active community leader who has held advisory and board positions at Big Brothers and Big Sisters of San Diego County, CFO Leadership Council, San Diego Food Bank and the San Diego Economic Development Corp. He has an MBA in Accounting & Finance from the University of Chicago Booth School of Business and an undergraduate degree in Economics (Honors) from Brandeis University.
Joseph Noe
President, Vervent Card
Joseph Noe
President, Vervent Card
Joe’s unique blend of financial service and credit card program management experience poises him to strategically lead Vervent Card. With more than 20 years in the industry, his understanding of the card program life cycle is holistic. He possesses the demonstrated ability to move credit programs from concept to market.
Prior to joining the Vervent family, Mr. Noe was President and CEO of Total Card, Inc. where he spearheaded and grew TCI’s diversified portfolio of credit solutions. He currently serves on the TransUnion Non-Prime Advisory Board and has previously sat on the Experian Consumer Credit Advisory Board.
When not building credit programs, you can generally find Joe enjoying his time outdoors. Mr. Noe is also a champion for the cause of providing hope to children with life-threatening medical conditions through his work with Make-A-Wish of South Dakota. He has personally led fundraising efforts that have netted the organization over $250,000 in total, helping to grant countless wishes.
Lou Geibel
EVP Vervent Services & Sales
Lou Geibel
EVP Vervent Services & Sales
Lou Geibel is a natural relationship builder with almost 30 years of financial industry experience. With an aptitude for providing clients thoughtful, effective solutions, he leads Vervent’s sales organization, spearheads company growth and works within the leadership team to develop new services.
Previously, Mr. Geibel was as the Senior Vice President and Chief Trust Officer at WSFS Bank, where he was responsible for overseeing institutional services and led their capital markets business. He also served as President of Christiana Trust, a leading provider of trust services in Delaware, where he managed the day-to-day business operations and sales efforts.
Mr. Geibel graduated from Drexel University with a Bachelor of Science in Business Administration. Outside of the office, he enjoys spending quality time with his wife and children at their home near the beach in Delaware.
Pam Johnson
Chief People Officer
Pam Johnson
Chief People Officer
Pam Johnson, Vervent’s new Chief People Officer, is a seasoned executive with significant expertise in human resources, leadership, and organizational development. Pam’s diverse background positions her to contribute to the company’s success, leveraging her skillset across all departments. In her new role, Pam envisions creating a best-in-class employee experience and helping every employee build and advance professionally. Pam also continues to increase employee retention through an elevated and engaging company culture. By working across all Vervent locations, Pam fosters a synergistic, “one-team” feel.
Pam’s hardworking nature and pioneer spirit has benefited her and the teams she has worked with throughout her career. Originally from Nebraska, Pam began her journey westward, attending the University of Northern Colorado and continuing to San Diego for graduate school and a Ph.D. program.
Ms. Johnson has a rich HR background that includes key roles at Qdoba, Petco, and Sony, where she successfully transformed the employee experience with her positive outlook and collaborative approach. In her free time, she enjoys living in Poway with her husband & two sons, running, and riding horses.
Derek Gamble
Chief Legal Officer & Chief Compliance Officer
Derek Gamble
Chief Legal Officer & Chief Compliance Officer
When it comes to navigating heavily regulated industries, Derek Gamble is an unparalleled talent. As Vervent’s General Counsel, he guides the business to ensure maximum growth with minimal risk.
Throughout his career, Mr. Gamble has maneuvered global organizations across fast-changing compliance environments. As Ethics Officer and Senior Attorney at Airbus Defense & Space, he implemented extensive compliance policies, managed a top-tier legal team, and focused on developing long-standing customer relationships.
Mr. Gamble also served at H&R Block, where he was Lead Attorney in charge of mergers and acquisitions, procurement, and commercial real estate. He was also a member of the company’s legal compliance committee, which navigated the many financial regulations affecting the company.
Brad Herbison
CTO
Brad Herbison
CTO
Brad Herbison is a solutions-oriented IT professional with a proven track record of delivering successful technology solutions that meet complex business and client objectives. With more than 25 years of experience in information technology and operations, he has the deep experience, practical know-how and people skills to oversee Vervent’s vast technology needs.
Mr. Herbison joined Vervent with the company’s acquisition of PFSC, where he guided an experienced team that fueled PFSC’s rise to a leadership position in the portfolio servicing space. At Vervent, he spear-headed the construction of Vervent’s state-of-the-art data centers, virtualization strategy, and agile development frameworks and methodologies to rival much larger players in the space. He and his teams have also retooled the company’s technology stack and unified communication platform to support a 1000+ person company across 6 global locations. He also led the development of game-changing technology to enhance and support Vervent’s expanded servicing and credit card solutions.
Prior to Vervent, Mr. Herbison was an in-demand consultant in the Pacific Northwest. In his many roles, he led onshore and offshore development teams, working across many industry verticals, on projects ranging from highly specialized systems builds to serving as in-house CTO. His skills and tenaciousness landed him many exciting projects that were successfully delivered to market. During this period, he deepened his experience and skill set expansively and was ultimately hired in-house to lead IT as the CTO for PFSC.
Mr. Herbison is a dedicated family man and father of five, enjoys the Pacific Northwest and many of the outdoor pursuits living there offers. He is a also big supporter of Randall Children’s Hospital at Legacy Emanuel where one of his daughters went through major surgery successfully as a child. He holds a Bachelor of Science in Management Information Systems from Oregon State University.
Jannet Zamora
SVP Global Operations &
COO Vervent Philippines
Jannet Zamora
SVP Global Operations & COO Vervent Philippines
Over the course of her 20-year career, Jannet Zamora has mastered the art of building high-performing teams that deliver best-in-class results. At Vervent, she uses her talent for identifying the true source of a problem and her passion for turning challenges into opportunities to revolutionize the way we deliver a memorable customer experience.
Prior to Vervent, Ms. Zamora led call center operations at Equity Key and worked as Senior Manager at Great Call. She also spent more than 10 years in sales and operations at HSBC, where she developed progressive processes that transformed operations to yield top results.
Ms. Zamora graduated from Colorado State University with a Business Management degree. She is a driving force in developing the San Diego-Tijuana business community and is sought after for her expertise in call center development.
Aaron Knigge
SVP Client Engagement
Aaron Knigge
Aaron is a believer that any leader is only as good as the team they lead. His focus and passion over his 20 year contact center career has been in the cultivation and development of operational talent and in building teams that exemplify accountability, ownership, and a passion for performance.
In his time as COO of Total Card, Inc., prior to the company’s acquisition by Vervent, Aaron held responsibility for a wide array of operational functions including Client Relations, Project Management, Customer Service, Collections, Fraud, Correspondence, Back-Office Support, Training, Workforce Management, and Facilities. During his tenure, Total Card, Inc. experienced extensive evolution and growth, more than tripling its labor force and expanding its operational footprint. Leveraging his background in workforce management, experience in operational efficiency & expense management, and knowledge of contact center technology, he was able to evolve his operation in alignment with the business evolution and guide the company through this growth while reducing relative expenses.
Prior to Vervent and Total Card, Inc., Aaron was an Operations Manager with a small regional BPO serving 175 clients and worked in Operational Analytics & Process Re-Engineering with First Premier Bank.
Aaron is based out of Sioux Falls, South Dakota and holds a B.S. degree from South Dakota State University (Go Jacks!). He gives back to the Sioux Empire community through active long-term financial and volunteer support of the Sioux Empire United Way. When he is not at work Aaron’s focus is his family, with whom he spends most of the summer months on the golf course and most of the cold South Dakota winter months ice-fishing!
Mark Palmerton
VP Capital Markets Services
Mark Palmerton
Armed with more than 25 years of loan servicing experience, Mark Palmerton leads Vervent’s Capital Market Support business line, including Backup Servicing, Verifications, and Custodial Services. His successes include improving efficiencies and using evolving technologies to develop key performance indicators.
During his nine-year tenure at Vervent, Mr. Palmerton also managed Primary Servicing for a diverse set of asset classes. Previously in his career, he held positions at financial powerhouses HSBC Auto Finance and Wells Fargo Bank.
Mr. Palmerton enjoys spending his free time with family or visiting the beach. He graduated from University of California San Diego with a B.A. in Economics.
Mark Kinney
VP Managed Card Services
Mark Kinney
VP Managed Card Services
Mark Kinney brings 25 years of progressive leadership in credit card P&L product management and strategic partnerships to Vervent. With a proven track record of leading new credit card launches and driving product profitability for industry giants like GE Capital, HSBC, US Bank, and Target, Mark is a seasoned expert in his field.
Throughout his career, Mr. Kinney has cultivated strong client relationships with over 30 top-tier enterprise partners, including Walmart, Best Buy, Disney, ACE Hardware, Edward Jones, and Harley-Davidson. His ability to foster these partnerships has been instrumental in his success.
Before joining Vervent, Mr. Kinney held pivotal roles as Director of Financial Product Strategy at Target and SVP of Cobrand Card Management at US Bank. His academic credentials include a BBA in Finance from Texas Christian University, an MBA in International Management, and an MA in Latin American Studies from the University of New Mexico.
Outside of the office, Mr. Kinney is dedicated to his family and community. He spends most of his time attending the sporting events of his three children and serves as a board member for a non-profit youth gymnastics and pre-school organization. Additionally, he is a board member and treasurer for the Spiritual Assembly of the Baha’i Faith in Plymouth, MN.
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