Management Team
Ayala Sharon
Director, Operation
Ayala Sharon brings over twenty five years of experience in managing financial institutions, banks and other private companies dealing with money transactions. Her previous role at Total ePay was a Vice President and Marketing director, dealing with large institutions for their ACH products. Prior to that Ms. Sharon had a roll of Risk Manager Officer at ePaystream where she reviewed all the companies that joined the firm prior to approval. In the banking industry Ms. Sharon's main concentration was in the retail banking where she worked as a Branch Manager and a Loan Officer for a domestic and international type's banks. Her training consists of credit risk type lending, and her main experience is in: underwriting capabilities, risk management, commercial lending, commercial mortgages and consumer mortgages. She worked for Bank Leumi Trust Company of NY, Banco Popular De Puerto Rico, J.P Morgan Chase and Marathon Bank of NY. Ms Sharon is an army veteran and her education is from local and international universities.
Sanjay Ghosh
Chief Technology Officer
Sanjay brings ten years of experience in client-server, web based reporting and data warehousing to Total ePay. Sanjay has worked in financial (ACH, SWIFT), EDI, and credit card processing, as well as medical (HIPAA Compliance) applications. His expertise lays in Web based application development, Jdk1.2.2, Java Server Pages, Java Script Pages, Oracle 8x, Sybase PHP and Perl 5.6.0. Sanjay developed the Total ePay platform and supporting software.
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