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Management and Ownership

The most important component of any company is the management team. Smart Token Chain has assembled a world-class team to enhance, implement and deploy its innovative financial services technology globally.

Thomas Meredith – Chairman and Chief Executive Officer


Mr. Meredith has significant internet, financial services and telecommunications experience. He started his computer career with Digital Equipment Corporation when the first 32-bit architecture was introduced. He was one of the original team of the first Apple clone manufacturer, Franklin Computers, managing 11 Western states and over 800 retailers. He was the Federal Systems Director for Lisp Machine, a leading artificial intelligence company.

Mr. Meredith was founder of VoxLink and led the company for seven years to become the leading innovator of voice mail and e-mail integration. He founded one of the first game companies on the Internet, Internet Gaming; responsible for processing the first significant volume of credit cards internationally on the Internet. Mr. Meredith has years of experience consulting to the financial services industry, primarily in automation of mortgage and credit/debit card processing.

Mr. Meredith is a graduate of the Harvard Business School specializing in Entrepreneurial studies and the Stanford University School of Engineering where he graduated in three years on Academic Scholarship. He has a working knowledge of French and Spanish.


Morris Mwanga – Chief Technology Officer

Mr. Mwanga is one of the world’s leading experienced mobile wallet technology developers. Prior to pursuing an advanced degree in Computer Science, Mr. Mwanga spent close to three years developing financial exchange and mobile wallet technology. He led the development effort overseeing the entire programming staff. During this development effort, Mr. Mwanga acquired extensive banking integration expertise complementing his previous experience with mobile communications technology and PBX applications; both key components of mobile wallet technology that is changing mobile financial services delivery globally.

In addition to his mobile wallet development management expertise, Mr. Mwanga has over 11 years in direct programming experience. He received his Bachelor of Technology in Computer Engineering from Moi University, Kenya and is working on his Computer Science Master’s Degree at Kennesaw State.


Kern Lewis – VP Marketing

Mr. Lewis is a veteran marketing professional with 25 years of experience in financial services. Prior to joining STC, he spent eight years in the mortgage business directing marketing programming for World Savings and CMG Mortgage. At World Savings he led efforts that doubled customer retention rates in the face of intense competitive pressures during the refinancing boom. At CMG he directed the introduction of the Home Ownership Accelerator loan product, which created a profitable new niche in the mortgage industry. To support the product launch, he led recruitment efforts that attracted and trained over 10,000 loan agents in a two-year period.

Mr. Lewis began his career with American Express in their merchant services division, tasked with deepening merchant acceptance through the attraction of new merchants and by developing programming to retain and expand existing merchant relationships. He left AmEx to manage credit card marketing for Great Western Bank before dedicating two years to serve as a business educator and small business advisor in Ukraine and Albania with the United States Peace Corps. Mr. Lewis has an MBA from Harvard Graduate School of Business and a BA in Economics from Stanford University.


Peter Carruthers – Head of Compliance, Banking & FX

Mr. Carruthers’ career spans 25 years advising Fortune 500 and institutional clients on FX risk management. He focuses on providing highly effective, innovative FX solutions to long-term clients. Mr. Carruthers practiced FX advisory for 15 years at Citibank, the last six years as Director of Capital Markets. He also worked at Credit Suisse/First Boston, Bank of Nova Scotia and Royal Bank of Scotland.

Mr. Carruthers received his Bachelor of Science in Finance and a minor in Accounting at Manhattan College and a Masters in Business Administration at Fordham University. He is NFA Series 3 registered and FINRA series 7 and 63.


Donald Chapman – VP Business Development

Mr. Chapman is a financial services technology and payments professional with 15 years of experience in IT, consulting and business development. Prior to joining STC he helped establish and launch a real-time global payments network (PayNet) for Fidelity National Information Services (FIS), a Fortune 500 financial technology firm. He also spent eight years in corporate consulting, working with clients like Wyeth Pharmaceuticals, Prudential Financial, Discovery Communications and Ocean Spray Cranberries.

Mr. Chapman graduated from Providence College where he was a Division 1 NCAA lacrosse player and member of the Dean’s List. He earned his MBA with an Investments concentration from Babson College’s F.W. Olin School of Business; ranked #1 in Entrepreneurship by U.S. News and World Report in 2015 for the twenty-first consecutive year.


Juan Soto – Director, Payments and Latin America

Mr. Soto is a senior payment industry veteran; his entire career spent in the point-of-sale, transaction processing and merchant acquiring marketplace.  Most recently, Juan founded Tesoro Payment Solutions, a merchant services and consulting practice targeting the Hispanic and underbanked markets in the U.S.

Juan has held senior sales management and business development positions in different industry verticals including stints at Fleetcor (fleet card issuer & processor), Planet Payment (dynamic currency conversion processor), Noblett & Associates (payment technology consultancy), Chase Merchant Services & NaBANCO (credit card merchant acquiring), and IVI Checkmate/Ingenico (POS equipment manufacturer).

Juan holds a Bachelor’s Degree in Business Administration from Florida International University in Miami, Florida where he majored in Finance and Marketing. He also holds technical and pre-engineering associate degrees and is fluent in Spanish


Maxine Alagar – Director, Customer Service

Maxine brings to STC thirty-five years of customer service in the telephony industry. Most recently, Maxine was Director of Operations at Global Connection, responsible for the national Call Center including eighty-six (86) Customer Service Representatives, network operations, and human resources responsible for hiring, training, and termination of call center personnel.  The Call Center supported over 2200 agents in the southeast region who resold home telephone service to over ½ million primarily Hispanic customers. Previously, Maxine spent 25 years at BellSouth with her last job title as Operations Director of Billing and Collections.


Dennis Goodenough – Director, Platforms

Mr. Goodenough has over 30 years of experience in Financial Services. He spent 11 years at SWIFT, the financial messaging cooperative, responsible for large account management, business development, partner management, communications and regulatory relations. Dennis spent 5 years at the DTCC, the U.S. market’s central securities depository, resolving STP issues, reference data, and the move to T+3 settlement cycle. During an 11-year tenure at American Express, he held positions of increasing responsibility in finance, operations and marketing.

Dennis remains active with a number of U.S.-based industry organizations including ISITC, SIFMA and the Asset Managers Forum. Dennis holds an MBA in finance/marketing New York University’s Stern School of Business and a BA from Hobart College.

Jay Postma – Regulatory & Compliance

As founder and President of MSB Compliance, Inc., Jay has extensive experience in providing money transfer compliance advice. He is advising STC regarding acquiring money transfer Licenses in the states that require them and FinCEN approval at the Federal level.


Ken Slutsky – Human Resources

Ken has over 25 years of experience in Human Resources management. He has conducted a study on behalf of STC and has recommended an outsource vendor (Administaff) for payroll and employee benefits package management. He will assist the implementation, but will not be available full time


Brian W. Smith

Mr. Smith has a 42-year involvement in the financial services industry. His roles have included as SVP General Counsel and Corporate Secretary of MasterCard International where he was a member of the Office of the President; as Chief Counsel and Member of the Policy Group of the Office of the Comptroller of the Currency and, as a senior partner in several multinational law firms – most recently Latham & Watkins, LLP – where he headed those firms’ financial regulatory practices. He is a member of the Boards of Directors of several companies and of a charitable foundation.

Mr. Smith is a recognized expert in the laws and regulations applying to banks and other financial services firms and in payments systems and products.