Illume Financial is building a full-stack software company to solve for the needs of the fintech community. 


We are building a platform to allow fintechs to offer their services in a simpler and more cost effective manner, so fintechs can spin up more quickly and grow faster.



Dave is a serial entrepreneur and technology executive with over 25 years experience designing, building and operating major enterprises. He has a diverse technology background as the founding CTO of Live Nation, head of technology for Friendster,  National Technology Director for Howard Dean's presidential campaign and most recently, Chief Scientist of Silicon Valley Bank. Dave was born in St. Louis and grew up in Dallas and hides a very thick Texas accent.

Dave Kochbeck
Chief Executive Officer
and Founder

Ed has over 30 years experience in banking, serving as either a bank finance officer or investment banker providing capital markets and M&A services to financial services firms. At Presidio Bank, Ed managed the company’s growth from the start-up stage, including execution of successful preferred stock, common stock and subordinated debt transactions. Before joining Presidio Bank, he was Vice President of Corporate Finance at RBC Capital Markets. Ed is a CFA charter holder and earned his MBA from the University of Southern California.

Ed Murphy

Chief Financial Officer and


Bob has 39 years of commercial, investment banking, and corporate finance experience. His experience ranges from PNC Financial, ABN AMRO, Silicon Valley Bank, East West Bank, United Overseas Bank, and JP Morgan. He has expertise in lending and deposit gathering, investment management, treasury & liquidity management, derivatives & capital markets, bank division management, marketing, and strategic planning.  Bob will drive the lending and deposit gathering activities of the Bank. He is an avid cyclist, part time programmer and a voracious reader.

Bob Hartinger

Chief Banking Officer and

Michelle Johnston has 20 years of experience in talent management; driving change initiatives and developing strategies to enhance organizational effectiveness. She has worked in a variety of industries, including finance, publishing, engineering, and manufacturing, holding a variety of leadership positions. In her spare time, Michelle teaches undergraduate courses in psychology and publishes academic research.

Michelle Johnston

Chief People Officer and

Chirag has 10 years of experience building and scaling compliance programs. His expertise lies in building technology-based compliance programs with an emphasis on understanding and managing regulatory risks associated with innovative products, services, and systems. He is leading the regulatory compliance function for the bank. Chirag is an avid traveler, a keen tennis player, and an ardent Chicago sports fan.

Chirag Shukla

Chief Compliance Officer
and Co-Founder

George has over 20 years of experience leading design and development of new technology-enabled platform solutions in banking. George led the “Future of Banking” startup at PwC and built/launched a production-ready, cloud-native banking platform in 6 months. He was the CMO of a fintech, a De Novo bank, and led a banking transformation consulting firm. Prior to financial services, George spent 14 years at Coca-Cola in brand management, marketing and product development.

George Hodges

VP Platform Solutions and

Michelle is a veteran of Silicon Valley Bank and Deloitte. She is motivated by and deeply understands the banking needs of high growth companies. She leverages her expertise and network in support of empowering underprivileged youth through All Stars DSY. Michelle grew up in San Francisco and enjoys spending time with her dog.

Michelle Peralta

VP Financial Product and

Justin has 20 years of experience in technology startups, focused in driving growth and standing up operations. He leads the PMO who’s focus is delivering projects on time, on schedule and per requirements. Justin is a bay area native who enjoys spending time with his two kids and tries to avoid watching endless streams of Peppa Pig videos.

Justin Maples
Head of Engineering and

Tam has 20 years of professional office management and EA experience. She manages business operations for the bank. In her spare time, Tam enjoys time with her husband, two sons and mini schnauzer. She is also a vocal coach. Her family loves to travel and host international exchange students.

Tammala Garner
People, Performance & Talent Acquisition Specialist and