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Jeffrey J. Smith

Chief Executive Officer & Director

Mr. Smith is a co-founder of DCBank and is the President and Chief Executive Officer. Mr. Smith is an entrepreneur with more than 30 years of experience in operating, financing, growing and managing large scale international financial services businesses. Mr. Smith was the President, Chief Executive Officer, Director and co-founder of DirectCash Payments Inc., a publicly traded financial services company with operations in Canada, Australia, the United Kingdom, New Zealand and Mexico. Mr. Smith has extensive experience in business valuation, the public equity and debt capital markets. Mr. Smith has sourced, negotiated, financed and integrated numerous acquisitions in Canada and internationally. In 2013, Mr. Smith was honoured as Industry Person of the Year – Prepaid & Payments by Payments eXchange, and in 2005, he was the recipient of the Ernst & Young Entrepreneur of the Year (Prairies Region).

Pam Draper

Pamela Draper


Pamela Draper is the President and CEO of Digital Commerce Payments and Pateno Payments Inc., each part of the Digital Commerce Group, a group of companies providing technology and development solutions in the payments space. Prior to joining the Digital Commerce Group, Pamela spent approximately 14 years with top tier Canadian banks, in the areas of corporate and investment banking. Most recently Pamela held the position of Director in BMO Capital Markets’ Equity Capital Markets group in Toronto where she was responsible for assisting North American corporate clients raising capital in public and private markets. Pamela obtained an Honours Business Administration degree from the Richard Ivey School of Business at the University of Western Ontario. Current voluntary positions include acting as a Director for the Canadian Blockchain Association for Women and for the Calgary Public Library Foundation.

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Summer Bradko

General Counsel

Summer Bradko is General Counsel for DCBank and is responsible for managing legal and regulatory compliance risk for DCBank and its affiliates. She has almost 20 years of broad based legal experience and has spent the majority of her career working in financial services. She holds a Bachelor of Commerce and a Bachelor of Laws from the University of Alberta. Active in her community, Summer currently serves as a director of the Edmonton Humane Society.

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Bayo Famakinwa

Chief Compliance Officer

Bayo Famakinwa joined DCBank in 2023. He holds a BA in Accounting and Finance from University of Derby and an MBA from University of South Wales. Prior to joining DCBank, Bayo had spent almost 15 years in the financial services industry. His experience includes retail banking, central banking, regulatory compliance oversight, risk management, banking supervision, and auditing. Bayo is a Chartered Risk Manager and holds other professional designations, including CIA, CISA and CRMA.

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Christine Dobson, CPA, CMA

VP, Finance

Ms. Dobson joined DCBank in 2021 and is a designated CPA, CMA, with an MBA and over 15 years in financial reporting experience for a variety of industries including oil and gas, insurance, manufacturing, hospitality, and recruitment. Ms. Dobson’s financial passion involves forward looking strategic trends and analysis, identifying areas of process improvement and financial automation.


Paul Twigg

Chief Technology Officer

Mr. Twigg joined DCBank in 2022 as Chief Technology Officer. Mr. Twigg has over 20 years of experience in IT Leadership. Prior to joining DCBank, Paul was the Canadian CTO at NTT DATA, one of the worlds largest IT Consulting companies. Mr Twigg has won several awards including Top Canadian Newcomer, Disrupter of the Year, and a Microsoft Impact Award for a data driven AI solution.


Hriday Balachandran

VP, Information Technology

Mr. Balachandran joined DCBank in 2020, and holds a Masters of Science in Computer Engineering from the University of Southern California and an MBA in Aviation from Daniel Webster College. Mr. Balachandran worked in operations and technology in aviation and higher education in both Canada and US prior to DCBank, and has over 20 years of experience in Information Technology.


Gulcin Kuvanci

Chief Information Officer

Ms. Kuvanci joined DCBank in 2019 as Chief Information Officer. Ms. Kuvanci has over 30 years of experience in international financial services and payments businesses. Prior to joining DCBank, Ms. Kuvanci worked in various roles including development lead, technical consulting and payment system design, with focus on payment services including card issuing and acquiring, digital payments and closed and open loop payment systems. Ms. Kuvanci has extensive experience in design, development, infrastructure and implementation of payment and banking systems.