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Executive Team

Executive Team

Joshua R. Floum

Chairman of the Board of Directors

Joshua R. Floum is a seasoned executive that brings years of expertise and experience in financial services, payments, advanced technologies, governance and risk initiatives to Credorax. Prior to joining Credorax, Mr. Floum served as the Executive Vice President and General Counsel at Visa, Inc., reporting to Visa Inc.'s Chief Executive Officer and serving on its Executive Committee.

Mr. Floum was instrumental in guiding Visa through its merger and birth as a global public company, which led to the then largest IPO is U.S. history. He devised the company's "retrospective responsibility" plan, which shielded the new organization from legacy legal liabilities and built Visa's legal and government relation departments to global world-class scale.

Previously, Mr. Floum was executive vice president, general counsel and secretary for Visa USA, responsible for advising Visa USA management and the board of directors on legal matters. Mr. Floum was appointed to this position in January 2004 and served as a member of the Visa USA executive management committee.

Before joining Visa USA, Mr. Floum served as Chairman of the California litigation practice for the law firm of Holme, Roberts & Owen, where he specialized in antitrust and competition law, intellectual property, bankcard and banking practices, and telecommunications law. Prior to this, Mr. Floum was a senior partner in the law firms of Heller, Ehrman, White & McAuliffe and Legal Strategies Group, and served in the Federal District Court as judicial law clerk to the Honorable A. Wallace Tashima.

Mr. Floum received his B.A. in international economics and political science from the University of California, Berkeley and his J.D. from Harvard Law School. He is a longstanding member of the Lawyer's Committee for Civil Rights and Director and member of the Executive Committee of the Board of Earth Island Institute, a nonprofit conservation organization. Mr. Floum has published extensively in the areas of intellectual property, international law and wildlife conservation. He is a member of the Bar of the United States Supreme Court.

Igal Rotem

Chief Executive Officer

Igal is a seasoned serial high-tech entrepreneur and executive. Prior to joining Credorax, he co-founded and served as CEO and was a member of the Board of Directors at PowerDsine (NASDAQ: PDSN).

At PowerDsine, Igal pioneered the company's Power over Ethernet (PoE) technology, taking it from start up to global leader in its field. In October 2006, Igal led the acquisition of PowerDsine to Microsemi Corp (NASDAQ:MSCC) for over $1/4 Billion and prior to that, served as CEO of Butterfly Communications, leaders in Bluetooth Semiconductors (later acquired by Texas Instruments).

Aviram Shemer

Chief Financial Officer

Aviram brings vast experience and high level management skills to Credorax. Prior to joining the company, he served as CFO of Aladdin Knowledge systems (Nasdaq: ALDN) where he played a significant role in its merger with SafeNet Holding.

Previously, Aviram was CFO at PowerDsine (Nasdaq: PDSN), acquired by Microsemi Inc. (Nasdaq: MSCC) for over $1/4 Billion and before that, Vice President of Finance at Alvarion Ltd. (Nasdaq: ALVR), a leading provider of wireless broadband solutions.

Aviram is a CPA and holds a B.A. in Accounting and Economics in addition to an MBA specializing in Finance and Accounting.

Moshe Selfin

Chief Operations Officer

Moshe brings with him over 15 years of entrepreneurship and innovation in both startups and large corporates. Previously Credorax's Chief Revenue Officer and before that, Chief Marketing Officer, Moshe spearheaded the company's sales, branding and go-to-market strategy, leveraging his vast experience in sales, marketing, business development and product knowledge.

Prior to joining Credorax, Moshe was co-founder and Vice President of Marketing & Product at Kaminario and before that, Vice President of Enterprise Solutions at Anobit Technologies. Previously, he was Head of International Sales & Business Development for the Financial Services segment at IBM (NYSE:IBM), Solutions Director at EMC (NYSE:EMC) and Director of Business Processes Development at Elbit Systems (NASDAQ:ESLT).

Moshe holds a B.Sc. in Industrial Engineering and Information Systems, and an MBA from Haifa University.

Koen Vanpraet

Chief Commercial Officer

Koen joins Credorax with over 25 years of experience in technology service markets. Previously, he served as Chief Commercial Officer at GlobalCollect, a payment service provider processing payments for over 600 of the world's most recognized brands. While at GlobalCollect, Koen played a direct role in customer acquisition and retention with several of the company's marquee brand clients, including; Emirates, Levi's, and Sony BMG Music Entertainment. Before that, he held several senior executive positions in a variety of global organizations, among them; Easynet Global Services, Hewlett Packard and Xerox. While serving in these positions, Koen focused on new business development, go-to market strategies, implementation and client advocacy – always in global roles.

Koen holds a Bachelor's degree in marketing and a Master's in international business and has dedicated his career to driving companies globally with a clear focus on business development and client service.

Sharon Ekstein

Chief Human Resources Officer

Sharon brings with her over 15 years of experience in human resources, where her expertise spans recruiting, team building in international organizations and corporate and management structuring.

Prior to joining Credorax, Sharon served as Vice President of Human Resources at PowerDsine (Nasdaq: PDSN), a world leader in Power over Ethernet technology. Before that, she served as an independent consultant for over eight high-tech start-up companies, building recruitment procedures, employee orientation programs and organizational structures.

Ms. Ekstein has a B.A. in Sociology from Hebrew University and a Masters in NLP. Sheis also a Certified Proactive Coach of CTI, California.

Jonathan Epstein

Country Manager, Japan

Jonathan Epstein joins Credorax with two decades of experience in the Japanese market, where he has held a range of senior positions in technology, banking, and payments. As General Manager and Representative Director of PayPal Japan, he obtained Japanese government approval for an FTBO license and launched a smart-phone-based credit card reader in 4600 stores across Japan.

Prior to that, he served as Chief Product Officer & Chief Risk Officer of Asurion Japan, a mobile communications insurance provider. Jonathan also served as Regional Vice President with AIG Corporation Japan and Korea where he launched a Private Equity and M&A Group that was a subsidiary of AIG Japan. Prior to AIG, Jonathan served as CFO and board member of NASDAQ Japan, CEO of Net2Phone Asia and as Director of Strategic Planning at Softbank. Jonathan earned his MBA from Harvard Graduate School of Business Administration and his BA in Philosophy from Princeton University. He is fluent in Japanese and French and speaks Mandarin Chinese and Hebrew.

Charlon Scicluna

General Manager, Malta

Charlon brings extensive financial services experience, primarily in Corporate Finance, Retail Banking, Capital Markets and Structured Finance. He has in-depth accounting, financial risk management, project planning and management skills within multinational organizations.

Prior to joining Credorax Malta, Charlon headed up the Finance, Operations, Treasury and Asset Management departments at Nemea Bank, a dynamic start up bank. Charlon also acted as Financial Accountant at CommBank Europe Ltd (Malta), a subsidiary of Commonwealth Bank of Australia, before which he was Assistant Vice President at Deutsche Bank AG, New York, within the Securitised Products Group. He also worked for PricewaterhouseCoopers, New York, within the Banking and Capital Markets Group as well as for Deloitte Malta.

Charlon is a certified Chartered Accountant and holds an official qualification from the ACCA (Association of Chartered Certified Accountants).