Joe Proto is Chairman and CEO of Transactis, part of his three decades in the billing and payments industry as a senior executive and successful entrepreneur. Transactis is a leading SaaS technology provider of electronic billing and payment solutions (EBPP/EIPP) delivered to billers of all sizes through major financial institutions, BPOs, and print companies.

Prior to Transactis, Mr. Proto launched REMITCO, a payments company acquired in 2000 by First Data, as well as Financial Telesis (CashFlex), which was acquired in 1992 by CoreStates, now part of Wells Fargo. Mr. Proto co-founded Windham Ventures (an innovation leader in healthcare and med tech), and is a limited partner at Metamorphic Ventures (digital media and e-commerce) and ff Venture Capital (technology). He is Chairman of SpendSmart Payments Company (SSPC: OTC), a fast growing mobile loyalty platform with millions of digital subscribers.

Mr. Proto is a member of various financial services organizations including the Association for Financial Professionals (AFP), he is Co-Chair of the Consumer Payments Advisory Committee of the Payments Innovation Council as well as serving on the Board of Advisors at the National Automated Clearinghouse Association (NACHA), and is a frequent speaker at conferences in the financial technology industry.