Phillip brings over 30 years of leadership experience across business and technology, with a deep expertise in education finance and student lending. Before becoming CEO in 2018, Phillip led ELM’s Technology and Operations for a decade, partnering with schools and lenders to modernize private student loan processing. As CEO, he provides a clear vision centered on premier service and a forward-thinking mindset, while continuing to support compliance, operational efficiency, and long-term institutional partnerships.

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. 

Brendon Sanger has been working with educational institutions and the companies who serve them for over 25 years.  In his current role, Brendon utilizes his experience to continue to expand ELM’s relationships and partners within the marketplace.

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. 

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.