Our Leadership

focused on improving your lending process

Kevin O'Brien

CEO and Founder

When finance expert Kevin O’Brien applied for a mortgage for his family’s first home, he saw systemic problems in the loan approval process. His student loan debt had pushed his debt-to-income ratio too high. Multiple banks rejected his application without providing any further explanation or direction.

“But where’s the math?” he remembers asking. No one could provide it.

He decided to do something about it. He left Johnson & Johnson Global Finance and started AffordIt in 2018.

 

PROFESSIONAL BACKGROUND

O’Brien holds Master of Business Administration and Master of Science in Finance degrees from the University of Tampa, as well as a Bachelor of Finance and International Business degree from the University of South Florida. He also completed the Chinese Language program through the Confucius Institute. Through the student exchange program, he attended Ocean University in Qingdao, Beijing and Shanghai University.

At Johnson & Johnson, O’Brien was responsible for the development of the Global Services annual business plan and budgets. He created, maintained, and provided accurate financial statements by managing cost center spend and ensuring accounting close processing are in place. He successfully completed the first multiple million-dollar Florida tax incentive project for the Global Services function. Additionally, he managed the TM1 budget software implementation for North America Global Services.

At myMatrixx Healthcare, O’Brien conducted due diligence, analysis and DCF valuation modeling on multiple acquisition opportunities. He used predictive analytics software to determine the optimal profitability of the company when there were changes in drug prices. He was responsible for the development of the underwriting model that was used during the onboarding of third-party administrators and insurance companies.

Kevin O’Brien

CEO and Founder

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Artemis Emslie

Advisor

With 25 years of experience in both the workers’ compensation and group health industries, Artemis Emslie brings a multi-dimensional perspective to the complex issues facing pharmacy benefit management (PBM) clients.

Currently, Artemis is CEO of Cadence Rx, a start-up PBM with a patient first platform designed to improve the patient experience by applying smart technology to drive improved content and decision making.

Prior to launching Cadence Rx, Artemis was CEO of myMatrixx, where she led the strategic growth of the PBM and the successful sale of the business to Express Scripts in May 2017. Under her leadership, the company exceeded financial goals by over 50% growth in revenue and overall profitability. The company also reduced its client concentration and expanded its geographic footprint from a small, regional player to a major, national player while building a corporate climate that attracted and motivated a diverse staff of top talent.

Her previous experience includes holding senior leadership positions with several companies before founding ProspeRx Solutions, an auditing firm for workers’ compensation insurance providers where she provided PBM claims auditing, RFP management, and consulting services to several blue-chip clients.

Artemis established and currently serves on the executive board of the Alliance of Women in Workers’ Compensation, a think tank committed to sharing ideas and mentoring tomorrow’s industry leaders. She is chairperson of the American Heart Association Circle of Red and currently serves on the board of directors for Paradigm Outcomes and Ametros as well as on the advisory boards for Cordant Health, the Committee for Economic Development (Washington, D.C.), Business Insurance magazine, and Kids’ Chance.

As a recognized industry expert, Artemis is a frequent speaker at national industry conferences on topics such as drug trends and best practices in pharmacy benefit management. She has been recognized as one of Business Insurance magazine’s Women to Watch and honored with WorkCompCentral’s Comp Laude Leadership and President’s Honor Roll awards.

Artemis Emslie

Advisor

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George McGourty

Advisor

Originally from Boston and based in Tampa, George has spent his entire 30-year career helping financial institutions evaluate, select, and implement enterprise technologies. He has held senior sales and executive leadership positions with Fiserv, FIS, CSI, Deluxe and Open Solutions as well as co-founding a Tampa-based IT services firm that was later acquired by a Fortune 1000 technology company.
George co-founded Arriba Advisors to help community financial institutions understand and evaluate their technology options, and gain the most value from their technology investments. He is an accomplished negotiator, having personally negotiated over 1,000 technology and services contracts while sitting on the vendor side of the table.

When he is not on the job, George enjoys scuba diving, CrossFit, motorcycles and has finished several marathons including the 2013 New York Marathon. He also volunteers with several Tampa based non-profit organizations. George earned a BS in Finance from the University of Phoenix and an MBA from the University of Florida. He is married with two grown sons.

George McGourty

Advisor

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Penny Parks

Director of Strategic Partnerships

Penny is the President & Founder of Links Financial LLC, an organization that has completed a combined total of $2 Billion in debt financings and capital raises for small to midsize companies, as well as successfully restructured over $700 Million in debt during the last recession. Links Financial has spearheaded numerous acquisitions as well as positioned various companies for sale.

Ms. Parks earned a Bachelor of Science degree in Mathematics and Business, graduating cum laude from Wake Forest University, and a Masters of Business Administration with a Finance concentration, graduating with the Highest Honors, from the University of Tampa. Prior to founding Links Financial, her banking career included senior positions with Bank of America, Northern Trust and the Royal Bank of Canada’s US subsidiary.

Penny is the Incoming Chair of the CEO Council of Tampa Bay. She also serves on the Dean’s Advisory Board for the University of Tampa Sykes College of Business, is the Vice Chair of the University of Tampa Board of Fellows, an Honorary Commander at MacDill Air Force Base, a Board Member of the Greater Tampa Chamber, a Copperhead Member for the Valspar PGA Tournament and a University of South Florida Women in Leadership & Philanthropy member. She has previously served as the Secretary of the Global Board of the Association for Corporate Growth as well as the Chapter President of its Tampa Bay chapter.

Penny Parks

Director of Strategic Partnerships

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Tom Rummel

Director of Business Development

Tom has over 30 years of financial services industry experience beginning as an intern and academic scholarship recipient with Barnett Bank of Pasco County (now Bank of America). Tom has held staff and management level positions in retail, credit, special assets, commercial and commercial real estate lending for Barnett Bank, SunTrust Bank, GE Capital, and Fifth Third Bank Tampa Bay (formerly First National Bank of Florida). He also has been a consultant to both creditors and debtors and is a qualified expert witness on banking, finance and lending.

Tom is a graduate of the University of South Florida, Tampa, FL. with a BS in finance. He has served on numerous community boards including:

  • The American Cancer Society
  • Habitat for Humanity
  • Pasco Pediatric Foundation
  • Hernando County Chamber of Commerce
  • Florida Keys Land and Sea Trust
  • Marathon Key Economic Development Committee

Tom Rummel

Director of Business Development

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Mike Teixeira

Chief Marketing Officer

Mike excels at applying creative thinking to communications challenges for companies big and small. He has led communication initiatives for more than 20 years. In advising personal goods manufacturers and energy companies to finance and healthcare companies, Mike believes clear, concise communication can change the world, transforming the fortunes of businesses of all sizes.

He discovered his passion as a corporate communicator early in his career as a designer in Paramount Pictures' licensing department. In subsequent positions with The Creative Branding Group, Gillette, and State Street, he gained deep experience in graphic and digital design, video, presentation strategy, and branding. In 2004, Mike established Mike Teixeira Creative Services and, soon after, was named senior vice president and creative director at Calypso Communications in Portsmouth, NH. In 2019 he joined the Affordit team, excited by the strength of their technology.

He's created award-winning print and video pieces and led creative teams through branding, inbound marketing and advertising campaigns. As a creative director, Mike has worked with national and international companies as well as executives at all levels to help translate their brands across multiple media channels. He biggest strength is his ability to identify business goals and translate them into compelling messages.

With a B.S. in communications from Emerson College, Mike claims to be the only person to be publicly berated by Maya Angelou.

Mike Teixeira

Chief Marketing Officer

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