CEO, Mobile Accord
Steve Gutterman has a 20 year track record of transformational leadership in technology-enabled businesses. He has, in the aggregate, grown revenue by $500 million in his businesses, has led over 30 acquisitions and dispositions of companies and led or participated in aggregate capital raises of over $1.1 billion. From 2005 – 2011, Gutterman was the President and Managing Director of MBH Enterprises, a holding company that acquires controlling interest in financial service and B2B companies. At MBH, he held an active role in MBH’s portfolio companies, developing and leading operational goals/scorecard metrics, M&A and financing, technology-enabled operational processes, and market channel and relationship development. This active leadership produced a $150 million annual increase in portfolio company revenue over a six year period.
Prior to MBH, Gutterman spent six years at E*TRADE Financial, where he served as EVP and COO of E*TRADE Bank, a $35 billion federally regulated thrift. In this capacity, he had direct P&L responsibility for all of E*TRADE's cash management and lending businesses, consisting of a $14 billion deposit business, a $5 billion retail mortgage and home equity business, the nation's largest originator of luxury boat and recreational vehicle loans, a $2 billion credit card business and a nationwide network of 15,000 automated teller machines. During his tenure, Gutterman improved profitability in his businesses by over $100 million (or 300%) annually, and his businesses won numerous industry awards for best products and best innovation.
Gutterman holds a JD/MBA from Columbia University and a BA from Tufts University. He serves on the board of the State of Colorado Venture Capital Authority at the appointment of Governor Bill Ritter. He was also a founder and board member of Solera National Bank, a nationally-chartered bank that focuses on serving the needs of underserved retail banking customers. He has served as past chair of the Institute for the Study of Israel and the Middle East, regional board member of ADL, the Metro Denver Economic Development Committee, the Rocky Mountain Eye Institute, and the Columbia Law School’s Board of Visitors.
COO, Mobile Accord
Nick Becker serves as the Chief Operations Officer for Mobile Accord. Becker is a mobile software development pioneer combining innate technical aptitude with exceptional business acumen to drive innovation and generate growth. Excited by new technologies with a record of translating market needs into dynamic and profitable new products. Becker leads the technology, operations, and research divisions of Mobile Accord. Becker was the co-founder and chief technologist of 9 Squared Inc. and now leads our specialized teams in the development of edgy mobile technology. Becker has a BS from the University of Colorado at Boulder in Finance and Information Systems.
Timur Nusratty serves as General Counsel at Mobile Accord, where he oversees all corporate legal functions, ranging from negotiations, document drafting and review, contract enforcement, compliance, licensing, and tax. In addition to his legal duties, Timur also supports the day-to-day business development, sales, and finance operations of the company. Before being made General Counsel Timur served as Senior Vice President of Business Development and Operator Relations at Mobile Accord, where he was responsible for the company’s aggressive market expansion and coverage, redundancy, user database, and Mobile Network Operator (MNO) relationship. Before joining Mobile Accord, Timur was Director of Public Policy & Senior Legal Counsel for Roshan, Afghanistan’s largest MNO. While at Roshan he covered a wide range of commercial and public-related legal and business issues, from project finance transactions to regulatory liaising and negotiations. He also focused on the development and management of relationships with the US Government, the provision of legal support for government and military segment bids and contracts, as well as supporting M-Paisa, Roshan’s mobile money transfer solution. Before joining Roshan, Timur worked as a legal advisor for the Ministry of Communications and Information Technology of the Islamic Republic of Afghanistan. There, he advised the minister and the telecommunications regulator on the drafting of the telecommunications law and other related regulations. Timur holds a law degree from Columbia University School of Law in New York City, and is a member of the New York, California, and Washington, DC Bars. He holds a BA in Environmental Science and a BA in Italian Studies from the University of California at Berkeley, where he graduated Summa Cum Laude. Timur speaks five languages. He was also a Term Member of the Council on Foreign Relations from 2010-2015 and an Eagle Scout.
Regional Director - Africa, Mobile Accord, Inc
Arjun Dhillon is a dynamic change-agent skilled in building business units with a track record of consistently achieving the projected/set targets, building energetic teams, identifying high-yielding markets. Mr. Dhillon has over 11 years of experience and is an achievement driven organization builder, experienced in effectuating the business plans for overall development (client satisfaction, gross profits and market share) and top-line and bottom-line profitability.
He has leveraged entrepreneurial ability and skills in translating corporate vision, to overcome complex business challenges and deliver on high-impact decisions. He has built credibility and delivered on customer confidence through focused business initiatives and established large volume, high profit accounts with excellent levels of retention and loyalty. Mr. Dhillon has strengthened business by developing network of reliable Channel Partners with expertise in implementing sales promotion plans to generate sales and build brand focus; developing new communication mix and new strategies for brand launch; organizing events and client specific promotions. Finally Mr. Dhillon is an effective leader with distinguished abilities in directing, leading, training & motivating a large workforce, and he is accustomed to working with people with varied cultural backgrounds and promoting multi-skilled team competencies within a fast-paced commercially-driven environment.
Arjun holds a B.A., Economics, Punjab University.
Vice President, Social and Public Sectors
Natawnee Fritz oversees GeoPoll’s Social Sector Division. She manages all contracts and proposals with GeoPoll’s international development partners, including bilateral and multilateral aid organizations such as USAID and the World Food Programme, non-government organizations, universities, and foundations. In this role, Natawnee works with partners to help expand and improve their evidence base through GeoPoll’s cost-effective and real-time mobile-based data collection tool. This includes assisting partners identify ways to use mobile to affect activity design and measure the impact of development interventions.
Prior to joining GeoPoll, Natawnee worked with leading USAID implementing partner DAI. There, she supported long-term strategy development, created and led its Market Intelligence function, and supported technical programs in the areas economic growth, food security, and democracy and governance. Natawnee started her development career with the Peace Corps as a community development volunteer in Cape Verde, West Africa. She holds a Master of Business Administration from the University of Maryland and Bachelor of Arts from Tufts University.
Senior Data Scientist, Mobile Accord, Inc
A researcher and data scientist with more than seven years of experience in international development and information and communications technology. Experienced in conducting monitoring and evaluation assignments about and through mobile phones, particularly via SMS. Initiatives included segmenting mobile money users and non-users in Tanzania for the Gates Foundation, understanding factors that drive popularity of Middle Eastern online news videos for an international broadcaster, evaluating UNICEF’s education programs in Myanmar, and assessing crime data analysis by police in Honduras.
Currently leads research and development of the GeoPoll mobile SMS surveying platform, oversees the methodological design and implementation of survey initiatives conducted via the mobile phone in the developing world, and leads monitoring and data analysis processes. Introduced and grew data visualization and mapping team to six people over four years at USAID’s Office of Transition Initiative which served as model for development of the USAID GeoCenter. Native English, advanced Spanish. Max holds a Master of Science. Social Research Methods and Information Systems. London School of Economics. London, England. and a Bachelor of Arts. International Affairs and Development Studies. George Washington University. Washington, DC.
Vice President of Operations, Mobile Accord, Inc
Nicolette Lok is a seasoned program management expert with over 9 years of experience, 7 of them in the telecommunications sector. She has successfully delivered large scale, complex technology programs and projects in over 30 countries across Africa, the Middle East, and Asia, with expertise in governance, especially with regards to partner management.
As the Vice President of Operations of Mobile Accord, Ms. Lok is responsible for managing Mobile Network Operator (MNO) integrations and leads the Technology Operations, Survey Operations, and Quality Assurance teams.
Ms. Lok holds a MBA from the Alliance Manchester Business School and a BA in European Studies from the University of Amsterdam.