The APiO Team

Meet the team responsible for changing how FINANCIAL SERVICES ARE CONSUMED and DELIVERED


APiO’s management team represents a unique combination of world-class finance, data integration and data security experts and data scientists. Diverse skill sets and experiences help APiO deliver incredible value to financial services firms looking to better serve their business customers and to small business owners who need simple, fast and effective working capital solutions to grow and succeed.

William F. Borghetti
Co-founder & CEO

Prior to founding APiO, William was the CEO of Title iO, a workflow automation and data integration technology firm (company) for the title, escrow and mortgage lending industries. William was also the CEO of Sendside Networks, a secure communication and document delivery platform for financial services firms and was the founder, president and CTO of Campus Pipeline, a data integration platform for the higher education marketplace (sold to SunGard).

Scott Lewis
Co-founder & VP of Engineering

Mr. Lewis is the former Director of mobile development for He has held senior software architecture and technology management roles for Zions Bank, Wells Fargo, Choice Hotels and Deseret Digital Media. Scott has more than 20 years of experience of technology development in business and retail banking.

Allyson Torsak

Former VP of BD & Strategic Partnerships for WebBank. Former EMEA Credit and Risk Management for Goldman Sachs & Merrill Lynch.

Thomas Penton
VP of Sales

Mr. Penton, after leaving Gartner, spearheaded BankRadar and Pentonian. For 20+ years, he has invested and led revenue growth at FinTechs such as Miltek, Bankers Systems (Wolters Kluwer) and Carreker (FIS) until acquisition.