ELM Team

Leadership Team

Our leadership team has pretty much seen it all. Yet they remain obsessed with creating new ways to stay ahead of the evolving landscape. The team is comprised of:

  • Twitter- Phillip Wade
  • LinkedIn- Phillip Wade

Phillip brings 30 years of business and technology leadership to the role of Chief Executive Officer for ELM Resources.  Prior to becoming the CEO of ELM in 2018, he led ELM's Technology and Operations teams as COO/CIO from 2008-2018. 

Phillip Wade

President & Chief Executive Officer

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  • Twitter - Cari Kempster
  • LinkedIn- Cari Kempster

Cari Kempster brings over 20 years of business and human resource management experience to her role at ELM Resources. Prior to joining ELM in 2007, Cari worked for the corporate office of Crescent Jewelers and owned and operated a small vocational school with her husband specializing in careers in the information technology and medical fields. 

Cari Kempster

Vice President, Chief People Officer

  • Twitter- Brendon Sanger
  • LinkedIn- Brendon Sanger

Brendon Sanger has been working with educational institutions and the companies who serve them for over 25 years.  As ELM's VP of Growth & Development, Brendon utilizes his experience to continue to expand ELM’s relationships and partners within the marketplace.

Brendon Sanger

Vice President, Growth & Development

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  • LinkedIn- Greg Gammino

Greg has more than 20 years of IT Engineering and Information Security experience.  Prior to joining ELM, Greg led security operations across several industries including Healthcare, Fulfillment and Logistics, IT Consulting, and Higher Education.

Greg Gammino

Director, Information Security & Data Protection Officer

  • LinkedIn- Keith Norfleet

Keith has more than 20 years of experience in software development. He previously worked in the student lending division at JP Morgan Chase and at Collegiate Funding services. Keith graduated from FSU with a bachelor's degree in MIS.

Keith Norfleet

Vice President, Technology

  • LinkedIn- Michael Ward

Michael Ward has 19 years of experience in operations, marketing, product management and strategic partnerships. Prior to joining ELM, Michael worked for several technology companies in the domain name and web hosting industries, including three startups. 

Michael Ward

Vice President, Products & Services

  • LinkedIn- Rick Lovell

Rick has more than 34 years of financial services experience. Prior to joining ELM, Rick held positions of CFO of OneSimpleLoan and Director of Internal Audit for Brazos Higher Education Service Corporation. He also held various professional and management level accounting and audit related positions and holds certifications as Internal Auditor and Financial Services Auditor. 

Rick Lovell

Vice President, Finance, Accounting & Compliance

Board of Directors

Mindy Hager (Chair)

Citizens Bank

Chris McLellan

Outside Director

Phillip Wade

ELM Resources

Tim Staley (Vice-Chair)

College Ave Student Loans

Liz Mowry

PNC Financial Services

Steve Winnie

CampusDoor

Brady Masterson

Discover Student Loans

John Volpini

Sallie Mae