Zip Co Executive and Leadership Team

Joe Heck, the Chief Executive Officer (US) at Zip Co, directs all strategic initiatives across the North American market. Heck manages the expansion of digital buy now, pay later services by aligning product development with consumer demand for fair financial tools. Overseeing the entire US leadership team, the Chief Executive Officer (US) ensures operational excellence and regulatory compliance within the competitive finance sector. This role involves constant collaboration with the board to refine market positioning and drive sustainable growth. By prioritizing seamless user experiences, Joe Heck strengthens the brand presence in the region. The Chief Executive Officer (US) maintains a focus on scaling the platform to reach a broader demographic, ultimately securing a dominant position in the evolving landscape of digital credit and payment solutions.

Andrew Greenberg, the Chief Financial Officer, US at Zip Co, manages the fiscal health and capital allocation strategies for the North American division. Greenberg oversees financial planning, budgeting, and risk assessment to ensure the sustainability of buy now, pay later offerings. The Chief Financial Officer, US coordinates with regional leadership to optimize revenue streams and maintain strict adherence to financial regulations. This role involves analyzing market trends to inform investment decisions and support the growth of the US portfolio. By implementing rigorous financial controls, Andrew Greenberg protects the company assets while fostering an environment of fiscal responsibility. The Chief Financial Officer, US drives profitability through precise forecasting and strategic resource management, ensuring the organization remains well-positioned to capture market share in the evolving credit landscape.

Gordon Bell, the Group Chief Financial Officer at Zip Co, oversees the global financial strategy and corporate reporting for the entire organization. Bell manages capital markets, investor relations, and enterprise-wide financial planning to ensure long-term stability. The Group Chief Financial Officer coordinates with regional finance leaders to consolidate performance data and drive efficiency across all international operations. This role involves evaluating global market opportunities and managing the balance sheet to support aggressive growth targets. By maintaining transparency with stakeholders and ensuring robust internal controls, Gordon Bell upholds the financial integrity of the company. The Group Chief Financial Officer directs the allocation of capital to high-impact projects, ensuring that the organization remains a leader in the digital buy now, pay later sector.

Erin Bengtson-Olivieri, the Chief Financial Officer & Head of Finance) (US) at Zip Co, directs the accounting and financial reporting functions for the US market. Bengtson-Olivieri manages the internal audit processes and ensures compliance with local financial standards. The Chief Financial Officer & Head of Finance) (US) oversees the daily cash flow management and treasury operations to support the liquidity needs of the business. This role involves working closely with the broader finance team to analyze operational costs and identify opportunities for margin expansion. By maintaining accurate financial records and providing actionable insights, Erin Bengtson-Olivieri supports the strategic decision-making process. The Chief Financial Officer & Head of Finance) (US) ensures that the US financial operations remain robust, transparent, and aligned with the overarching goals of the company.

Chris Patrick, the Chief Operating Officer, ANZ at Zip Co, manages the day-to-day business operations and service delivery across the Australia and New Zealand regions. Patrick oversees customer support, merchant relations, and operational workflows to ensure a seamless user experience. The Chief Operating Officer, ANZ drives process improvements that reduce friction in the payment lifecycle and increase merchant adoption. This leadership role involves collaborating with cross-functional teams to execute regional growth strategies and maintain high service standards. By streamlining internal operations, Chris Patrick enhances the overall efficiency of the business model. The Chief Operating Officer, ANZ focuses on scaling the regional footprint while maintaining the quality of service that defines the company brand in the competitive financial services market.

George Gorman, the Chief Information Officer at Zip Co, architects the robust digital infrastructure supporting global financial services. Gorman manages the security, scalability, and reliability of the core payment processing systems. Overseeing the engineering and data departments, the Chief Information Officer ensures that all technological platforms remain resilient against cyber threats while facilitating rapid transaction speeds. This leadership role involves integrating advanced analytics to improve credit decisioning models and user interface performance. By optimizing the underlying software architecture, George Gorman enables the company to deliver seamless payment experiences at scale. The Chief Information Officer drives innovation by implementing cutting-edge cloud solutions that support long-term business objectives and maintain a competitive edge in the digital finance industry.

Memo Hayek, the Chief Information Officer, Anz at Zip Co, directs the technological roadmap for the Australia and New Zealand markets. Hayek manages the local implementation of digital payment systems and ensures seamless integration with regional banking partners. Overseeing the technical teams, the Chief Information Officer, Anz optimizes the performance of the platform to meet the specific needs of the local consumer base. This leadership role involves upgrading legacy systems to modern, cloud-native architectures that enhance transaction efficiency. By focusing on regional digital transformation, Memo Hayek supports the broader company mission of providing fair financial services. The Chief Information Officer, Anz maintains high standards for data privacy and system uptime, ensuring that the regional infrastructure remains a reliable foundation for all financial operations.