10 Best Prominent Workplaces of the year 2024

Kara Donatucci Pham, Chief Human Resources Officer

Redefining Excellence in the Workplace

In a world where workplaces are more than just spaces—they are ecosystems for growth, innovation, and collaboration—some organizations stand out as shining examples of excellence. This special edition, "10 Best Prominent Workplaces of the Year 2024," celebrates companies that have set new standards in creating exceptional environments for their teams to thrive.

These workplaces are defined not just by their achievements but by their unwavering commitment to their people. From fostering diversity and inclusion to investing in employee well-being and professional development, these organizations embody what it means to prioritize the human element in business. Their ability to inspire, empower, and nurture talent serves as a testament to their forward-thinking leadership and dedication to a culture of excellence.

In this issue, we explore the stories behind these outstanding workplaces. Through in-depth features and insights, we reveal the values, strategies, and innovations that have earned them recognition as industry leaders. May their journeys inspire organizations everywhere to raise the bar and build workplaces that not only succeed but leave a lasting impact on their people and industries.

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Pioneering Innovation with People at Heart

Kelvin Group is led by Harry Gray, who has taken on the mandate to build the nation's best employer of skilled technicians within the company's sector. Harry recognized early on that the core of such an undertaking was to assemble a bench of handpicked, talented, and proven leaders in their respective functional areas. The company focuses on attracting teammates who value and implicitly understand what it takes to foster sustained esprit de corps in the field. This mission began with recruiting a visionary leader to guide Kelvin Group's people programs roadmap. The company found this talent in Kara Donatucci Pham, who joined as Chief Human Resources Officer (CHRO) in 2023.

With more than 20 years of HR experience in various specialist and generalist roles, she has held leadership positions at major manufacturing companies, including Armstrong World Industries and Turkey Hill Dairy, where she also served as CHRO. Kara earned her post-graduate degree from the University of Tennessee and her SPHR from Villanova University. As a community leader, she has served on the Board of Directors for the Humane League of Lancaster County and the Arc of LancasterLebanon, including a term as Vice Chair for both organizations. Committed to promoting a practical approach to diversity and inclusion, she was also appointed by Governor Shapiro to Pennsylvania's Rehabilitation Council (PARC).

An Overview of the Business and Its Unique Goals

Kelvin Group is a leading provider of industrial and commercial refrigeration, HVAC, and nondestructive testing services. What makes the company unique is its strong commitment to excellence, supported by a team of dedicated experts who play a vital role in achieving their shared mission. The company prioritizes precision, reliability, and safety, recognizing that their solutions directly affect the efficiency and safety of many operations.

Starting as a New England focused company with a bold vision three decades ago, Kelvin Group has grown into a trusted national leader in the industry, known for its winning culture,

Kara Donatucci Pham, Chief Human Resources Officer

customer-focused approach, and innovative solutions. Continuous training and a focus on innovation help the team tackle challenges confidently, ensuring they meet the highest standards in every project. Safety is central to their work, with thorough safety protocols and training designed to protect both the team and the customers they serve. With its unique combination of expertise, reliability, and strong commitment to its mission, Kelvin Group remains a driving force in the industry

The

Inspiration Behind the Company's Founding and Its Evolution Over Time

The ethos of Kelvin Group revolves around a shared vision of being the best employer for field technicians while providing leading engineering innovations in the industry The founding members of Kelvin Group's business units, primarily tradesmen and mechanical contractors, had a deep understanding of the field and a strong commitment to excellence, which laid the groundwork for the company's success. Over the years, the company has experienced significant growth and expansion, evolving from its original roots into a diverse organization with five distinct brands operating across the United States.

Despite this growth, the essence of the company remains closely tied to the people who started it. At its core, the company prioritizes the well-being of its

technicians and employees, believing that their happiness and fulfillment directly contribute to customer satisfaction and overall business success. This peoplefocused approach has been key to sustaining and building upon the strong foundations established by the founders.

Defining Moments and Challenges that Shape Company Culture and Values

One of the most significant moments for the company occurred shortly after RD&S joined its family of companies in the Mid-Atlantic, following several years of acquisitions across New England. Recognizing the need to create a set of core values that truly reflected a multi-brand collective identity, a diverse group of employees was gathered, including those working in the field and in support roles. This initiative was organic, drawing on grassroots employee contributions rather than being overly influenced by executives. This cross-pollinated, inclusive approach ensured that the new Kelvin-wide values were shaped by the people who embody them every day.

By directly challenging a crosscompany employee task force during the process, the company established a core set of values grounded in real experiences, which has been crucial in defining its culture. As new companies are integrated into the group, defining moments arise that further shape Kelvin's culture and values. The experiences

employees go through during the initial transition period are instrumental, prompting the company to adapt and reaffirm its commitment to core values, ensuring they remain relevant and impactful as it grows and evolves.

Ensuring Leadership and Innovation in the Field

To maintain its edge with customers in the field and to continue being an industry thought leader that drives innovation, the company focuses on two key initiatives: the Kelvin Knowledge Center and the National Engineering Governance Committee. The Kelvin Knowledge Center is vital, providing a wide range of educational materials and videos aimed at fostering continuous learning and growth among technicians. By staying updated on technological advancements and industry best practices, the team is equipped with the knowledge and skills needed to drive innovation and maintain a competitive edge.

Meanwhile, the National Engineering Governance Committee reinforces the company's standards and commitment to excellence. This committee promotes the sharing of engineering ideas and best practices across the organization. Through regular collaboration and idea-sharing sessions, the company continually refines and optimizes its processes and strategies. This collective wisdom helps the organization anticipate

industry trends and implement innovative solutions effectively Together, these initiatives enable the company to lead in its field and set new standards for innovation and excellence.

Aspects of Company Culture That Enhance Employee Satisfaction and Retention

Kelvin Group stands out as an exemplary workplace, a source of pride, and a key driver of its success. The company's approach to enhancing the quality of work is rooted in its “Voice of the Field” program, which emphasizes an ongoing dialogue through rotational representation. Careful listening to the needs of its skilled technicians is paramount, as experienced journeymen impart their knowledge through recurring focus groups that are spearheaded jointly by CEO and CHRO. Various structured initiatives ensure that the insights from the field team directly influence operational and strategic decisions, reinforcing the company's commitment to their well-being and professional growth. Tailored task forces follow up on the feedback and prioritize various matters, ranging from uniforms to vehicles to training. When employees feel heard and valued, satisfaction and retention naturally follow

Kelvin Group fosters a culture of transparency and open communication, allowing employees to share their ideas and concerns without hesitation. This openness not only

strengthens trust but also encourages collaboration across departments, leading to innovative solutions and a more cohesive work environment. Regular feedback sessions and surveys help gauge employee sentiment, enabling leadership to make timely adjustments that enhance the overall workplace experience

Unique Initiatives That Foster a Positive Work Environment

Fostering a positive work environment is a genuine passion at Kelvin Group. Among the fifteen “people programs” that Kara administers, one unique initiative is the personal touch added by the CEO during onboarding. Guided by the CHRO, Harry initiates a direct call with every new team member, creating a welcoming and personal experience. He also hosts monthly small group meetings called "Kelvin Coffee," providing a relaxed setting for employees to share their thoughts and ideas freely. This approach strengthens relationships and fosters connections, even among those who may not meet in person.

Another initiative is the "Meet Your Teammate" video interviews, in which the CEO speaks with various team members weekly across the nation to learn about their personal stories. This effort builds community and adds a human dimension to the growing company, fostering crosscompany relationships and instilling pride in Team Kelvin,

regardless of where a teammate works. By sharing these personal stories internally, the company celebrates its diverse workforce and encourages mutual respect and understanding among employees.

In addition to these programs, the Kelvin Kudos program recognizes and celebrates outstanding achievements. Employees can nominate their peers for awards, fostering a culture of appreciation and recognition. This initiative not only highlights individual contributions but also encourages teamwork and collaboration across the organization.

The Kelvin Commitments program honors long-term service, reflecting appreciation for employees' loyalty and hard work. Celebrating milestones such as anniversaries or significant contributions reinforces the bond between the company and its employees, reminding them that their dedication is valued.

To further enhance the work environment, Kelvin Group also emphasizes work-life balance Flexible work arrangements, wellness programs, and mental health resources are offered to support employees in managing their personal and professional lives. By prioritizing well-being, the company creates a healthier, more engaged workforce. Together, these initiatives demonstrate Kelvin Group's commitment to creating a work environment where every employee feels valued and connected. This strong

foundation contributes to a positive and engaging workplace culture, ultimately driving employee satisfaction, retention, and overall success.

Key Products and Services Driving Kelvin Group's Success

At Kelvin Group, success stems from a comprehensive range of services that encompass industrial and commercial refrigeration, HVAC, and nondestructive testing (NDT). These offerings are designed to meet the diverse needs of customers while ensuring safety, efficiency, and reliability. The industrial and commercial refrigeration divisions form a cornerstone of the business, recognized for their craftsmanship, dependability and high-touch service. Kelvin Group provides tailored solutions that help businesses optimize their operations and maintain energy efficiency. In HVAC, the company delivers high-quality installation, maintenance, and repair services that ensure optimal performance and comfort in both commercial and industrial settings.

Compliance and NDT services are another critical driver of success, enabling the company to ensure the integrity and compliance of essential systems, helping clients minimize downtime and enhance safety. What truly sets Kelvin Group apart is its holistic approach to service. Rather than just offering products, the company provides comprehensive solutions that include continuous training, technical support, and industryleading safety protocols, ensuring

long-term success for its clients. Trends Shaping the Future of Kelvin Group

Several key trends are influencing the future of Kelvin Group's business in the industrial refrigeration, HVAC, and nondestructive testing (NDT) sectors. One major trend is the shift toward energy efficiency and sustainability. As the emphasis on reducing carbon footprints increases, there is a growing demand for refrigeration and HVAC systems that use less energy and more environmentally friendly refrigerants. Kelvin Group is leading this movement by offering innovative solutions, such as industrial NH3 refrigeration/heat pump and CO2 systems, which help clients achieve their sustainability goals while maintaining operational efficiency

Another significant trend is the integration of advanced technologies, including automation and remote monitoring systems. These innovations enable businesses to optimize system performance, reduce downtime, and enhance safety. Kelvin Group embraces these technological advancements to provide services that keep clients ahead of the curve

In the realm of non-destructive testing, there is a heightened focus on safety, compliance, and reliability, driving demand for more advanced testing methods. Companies are increasingly emphasizing the integrity of their

critical systems, which aligns with Kelvin Group's expertise in both compliance and NDT services, as well as its commitment to safety and precision. Additionally, talent development and engineering practices within the industry are evolving. As new technologies and methodologies emerge, there is a need for highly skilled professionals who are educated in these technical trends. Kelvin Group invests in continuous training for its teams, ensuring they remain at the forefront of these industry shifts.

These trends, combined with a strong commitment to innovation and safety, are shaping the future of Kelvin Group and helping the company lead the way in the industries it serves.

Supporting Employee Growth and Development

The company is deeply committed to supporting the growth and development of its employees through various dedicated programs and initiatives. A significant investment in a Learning and Development department, led by an experienced and dynamic leader, underscores this commitment to providing comprehensive growth opportunities.

Two key programs exemplifying this commitment are Kelvin Leaders and Kelvin University The Kelvin Leaders program is a comprehensive six-month initiative focused on developing the next generation of managers

Future Vision for the Company

Looking ahead, Kelvin Group envisions continued growth through both organic means and strategic acquisitions. The company aims to lead the industry as the best place to work by building upon its portfolio of employee-centric programs and developing initiatives inspired by grassroots input that enhance workplace culture and ensure every employee feels valued and appreciated.

The goal is to establish itself as the employer of choice in the industry, attracting top talent based on its managerial ethos and stellar reputation. By focusing on growth, innovation, and a positive work environment, the company is committed to maintaining a space where employees can thrive and contribute to ongoing success. Over the next 5 to 10 years, the aspiration is to become a bellwether in the industry, recognized not only for exceptional customer service and technical achievements but also for an unwavering dedication to its people.

within the organization. This exclusive program equips participants with essential skills in leadership, accountability, organizational development, finance, and public presentation. By nurturing leadership talent early on, the company ensures a strong, forward-thinking leadership team that is aligned with its strategic goals and values.

Kelvin University, the company's proprietary educational platform, further emphasizes its commitment to employee development. This innovative program offers a wide range of

technical and soft skills training tailored specifically for technicians. By providing the necessary hard and soft skills for success, Kelvin University plays a critical role in maintaining high standards of excellence and ensuring that technicians are well-prepared for the demands of a dynamic industry

Together, these programs reflect a belief in continuous learning and personal growth, ensuring that employees are wellequipped to excel in their roles and contribute to the company's ongoing success.

An Entrepreneurial Pharmaceutical Company Leading the Niche Generics Medicines Space in The Nordic Region

In our interaction with Axel Schörling, President/CEO of EQL Pharma, he discusses how cost-efficient medicines of the highest quality can be delivered to pharmacies and hospitals and his role as a CEO to take EQL Pharma to new heights along with his team.

Below is an excerpt from The Chief's Digest interview with Axel.

Leading an organization toward growth and success is definitely not an easy feat. In what circumstances did you find your leadership spirit?

For me, personally, leadership is a lot about engagement and empowerment, which I believe is quite a part of the Northern European leadership style where the primary focus is given on

creating a positive and supportive work culture. In my opinion, having a work atmosphere where people feel engaged, involved, and empowered really helps to get the most out of the team.

Speaking of our organizational structure, we are a small and flat organization, where most of the team members understand the broader picture of our success and the outcomes of our collective efforts. It's not only me and the CFO who have knowledge of the strategic direction and priorities; our team members know that as well. I try to be as transparent as possible so that people truly know where we're going and feel empowered to make their own decisions that are in line with our long-term goals, both at the individual and organizational levels.

If you were to tell us about the value system that drives your work culture, what would it be?

We have talked about how transparency is a crucial part of our value system. In addition to that, I would say we have an approach that we call – “We roll up our sleeves and get things done.” Sometimes, organizations tend to get caught up in too much analysis and evaluation before doing something. We believe in rolling up our sleeves and getting to work regardless of the situation we have at hand.

Then we also focus on doing things right and delivering care and service to our customers. Since we are in the pharmaceutical industry, people consume our very products and it is supposed to cure them. So, we can never

Axel Schörling, President & CEO

compromise on the quality of our products or take any shortcuts.

How would you say that you provide value to society at large?

On a structural level, we provide value to society through two components. Firstly, when we talk about the niche generic segment, the price drops in the patent expiry aren't as big as they are for other generic products. In the case of other generic products where you have twenty competitors, there's a huge price drop where a lot of money can be saved for patients and payers.

For the niche products, the price can drop by around 20 or 30 percent since the patent expiry. Here, we can enter the market and push the price down even further so that pharmaceuticals can be made cheaper for patients, society, and taxpayers.

Secondly, these niche products aren't so common. And when there are only one or two suppliers, there's a risk that the product may not come to the patient. Therefore, we build a more robust system where important pharmaceuticals can actually go to the patients who need them.

Last but not least, there's one product that I'm particularly proud of that we call Mellozzan. It's a melatonin-based product used to treat insomnia in children with ADHD. The patient group is very close to my heart because it's a very complicated disorder that happens to affect the whole family. With this product, we can help overactive children who cannot focus to have a good night's sleep and make it more probable for

Our entire business is based on us delivering the cheapest top-quality medicines to pharmacies and hospitals, in this way daily lowering the cost of high-quality drugs for patients and society at large.

them to have a healthy and functioning life. They can go to school, focus on doing their homework, and really improve their quality of life.

CEOs have to work round the clock. How important do you think it is to maintain a balance in one's personal and professional life?

I feel work-life balance is extremely important. I know colleagues who work 40 hours per week, who are motivated and engaged, but personally, I tend to work a little bit more. I also try to do some physical workouts, and I am very diligent with my sleep. I try to keep the weekends work-free as much

as possible so that I can spend time with my family and be in nature. Recently, I have also started to work on mental strengthening practices like meditation and cognitive exercises.

How crucial is the role of technology and innovation in any organization? Have you taken any steps to innovate at the technological level at EQL Pharma?

We aren't really about technological innovation but we are about commercial innovation. Innovation is crucial for us, and we always try to be active with our business development team and

brainstorm ways of creating new clever business models.

Besides, we look at other countries and see how the pharmaceutical industry performs there. If there is something the industry is doing very well, we try to capture that and expand it into our system of innovation.

If there is one word that would describe you what would be what would it be and why?

Driven. I think so because I have extremely high energy to work and always think that it's fun to work. I have new ideas and want to push myself and others to grow the business, and find better ways to do things in cost-efficient and smart ways. So, I believe it's fair to say I have a lot of energy and I'm very driven.

What are your plans for the future? How do you hope to see your organization and team grow?

I am extremely happy where I am, and I am 110% all in on EQL Pharma. I believe so much in what we are doing in our strategic plan and in our team that I want to stay here and build a huge and successful pharmaceutical company together with my colleagues.

Knowing The Man Behind EQL Pharma's Success

Axel Schörling, President/CEO, EQL Pharma

Axel has double master's degrees, one in engineering physics and the other in financial economics. He

has worked for five years in management consulting focusing mainly on operations and supply chains. Then, he worked for two years in business control, and later he joined EQL as the Chief

Operating Officer in 2018. He was promoted to Deputy CEO in 2020, and in 2022, he became the CEO of EQL Pharma.

Building A New Future of Healthcare by Bringing Advanced Technology into The Body

The Chief's Digest had the pleasure of interacting with Dr. Peter Forsell on novel medical treatments and the way they can change the future of healthcare

Here's his story and excerpts from the insights he shared.

Dr. Peter Forsell

Dr. Peter Forsell is a distinguished inventor, surgeon, founder, and Medical Device serial entrepreneur originally from the country of great medical technology innovations, Sweden.

Dr. Forsell is the CEO and Founder of Implantica AG and the brain behind the company's first commercialized product, RefluxStop™. The device obtained

the CE mark in 2018 after a very successful clinical trial and has the potential to create a paradigm shift in the treatment of acid reflux.

Dr. Forsell is an internationally renowned specialist in surgery and obtained his medical degree at the Karolinska Institute in Stockholm, Sweden. He has also studied basic law, tax, and finance. Prior to founding Implantica, he was the Executive Chairman of Obtech Medical AG, who developed the gastric band and captured 28% of the non-US obesity surgery market.

It was later sold to Johnson & Johnson for over USD 175 million. As CEO, he is focused on guiding Implantica to the next level.

Leading an organization toward growth and success is definitely not an easy feat. In what circumstances did you find your leadership spirit?

I have always been curious to find solutions for the difficult problems I have encountered in my patients' lives. And that was the foundation of my vision for creating Implantica to leverage technology in improving patient outcomes and transforming the world around us with smart implantable solutions.

During my long journey with Obtech, I gained extensive experience on how to lead and develop a business from inception to a successful global enterprise. In my experience, at the core of a company's success,

Dr. Peter Forsell, CEO & Founder

lies its people and a shared vision. This shared vision is how we have successfully attracted some of the finest world-class talents around the world.

Tell us about your organization. How does it provide value to consumers or society at large?

Implantica is all about changing the world to become a better place for patients at the core and society at large. With over 15 years of extensive research and development work, with main operations in the heart of Switzerland along with subsidiaries and key partners in the US, Sweden, and many other countries, Implantica has been at the forefront of disrupting the field of smart medical implants and eHealth technologies with an initial focus on urology and digestive surgery.

At Implantica, we develop worldchanging novel medical treatments. Our first commercial product, RefluxStop, is a profoundly simple yet incredibly smart & unique solution to treat the root cause of Acid Reflux that impacts more than 1 billion people worldwide. RefluxStop is the first implantable medical device that truly restores and maintains the normal physiology of the body, known as the antireflux barrier. In such a short time, we are very proud to have won the trust of some of the best Anti-Reflux Surgeons in the world. The product has already created a huge impact on the lives of patients in Switzerland,

Our mission is to provide medical implant solutions to millions of patients with substantial medical needs and at the same time save costs for society.

Germany, UK among others and we believe this is just the beginning of a global movement. Beyond RefluxStop, Implantica is simultaneously working on the development of a diverse product pipeline of groundbreaking smart medical implants. Our vision is to become the leader of the smart implant revolution of the future

What are your responsibilities as the CEO of your organization?

I love football and, in some ways, I see myself as a Coach of an incredibly talented team where my key responsibility is to share

my vision with the team and guide each member of the organization to bring out their best to make Implantica's dream of creating a long-lasting positive impact on patients and society at large a reality.

I take this responsibility very seriously as the success of the company does not only impact employees but also future patient care. As a humble gesture of my commitment, I would like to share that I have personally invested close to 100 million US dollars in the creation of Implantica over the past decade prior to our very successful IPO in 2020, in total

raising almost USD 200 million. We have a strong cash position to continue to grow Implantica into a large successful company

As a leader, what is the biggest challenge you have faced while commercializing RefluxStop?

My prior experiences taught me, every technology has its own unique challenges, but you will prevail if you stay focused, committed, and don't give up RefluxStop journey is no different. We launched RefluxStop commercially at the end of 2018, just before the start of COVID. At the beginning of 2020, most hospitals had discontinued doing elective procedures and our whole world changed overnight.

This severely impacted our ability to access the key markets. The good news is, we were able to sustain and use this downtime to work on market development activities and further advance our overall business strategy.

We are very happy that most of the restrictions during COVID have been lifted now allowing us to make tremendous progress in implementing our market access and commercialization plans.

What do you do when you come across new or unpopular ideas that could be beneficial for the organization?

New ideas and concepts are the foundation of our strong culture of innovation and

commercialization, we are very open-minded and excited about new ideas. Living within an everchanging market landscape, all ideas should always be considered. I don't believe we have ever labeled an idea as unpopular before having a healthy, open conversation, guaranteeing that the best ideas are driven forward.

How crucial is the role of technology and innovation in any organization? Have you taken any steps to innovate at the technological level?

Technology and innovation are critical. Advanced technology has totally changed our daily lives and is at the heart of what we do. Patented new smart implants previously seen as unachievable have become viable with our innovative wireless energizing and eHealth platform. Individual product patents comprising >2000 patent cases support Implantica's ability to change Healthcare fundamentally.

Technology has developed at high speed outside the body; however, these advancements have not reached inside the body. Implantica has spent over a decade developing and patenting how to bring such advances into the body.

If there is one word that would describe you, what would it be and why?

Devoted. As a surgeon, I have

dedicated all my life to developing solutions and technologies that could positively change people's lives and I am 100% devoted to my personal mission.

What are your plans for the immediate future, and how do you hope to see your organization and team grow?

Our vision is to become the world leader in smart medical implants, and I am sure we will accomplish that goal sooner or later. While we are developing our pipeline of world-changing products, our plan for the immediate future is to continue the commercialization of RefluxStop in Europe and soon enter the US and other international markets with regulatory approvals.

Of the one billion people affected by acid reflux, around 400 million of those are suffering from it daily. We are on a mission to help these patients and create a new standard of care that can address the root cause of this severe disease condition.

Speaking from our shareholders' perspective, RefluxStop is our number one priority with the potential to have a huge positive impact on healthcare systems while offering a multibillion-dollar business opportunity that we believe will become a reality over the coming years.

Revolutionizing Identity Verification for a Trustworthy World

Incode Technologies stands as an illustrious beacon in identity verification, reshaping the worldwide landscape of trust and security. This dynamic identity verification company has garnered unwavering admiration for its unwavering commitment to streamlining the process of verifying users. Their exceptional approach, anchored in AI prowess, transcends traditional norms and champions a future where trust and convenience unite seamlessly

At the heart of Incode's corporate culture lies a relentless pursuit of perfection, with a steadfast focus on customer satisfaction. The paramount directive is clear: "Your customers want a frictionless experience." Incode delivers on this promise with an integrated

identity platform powered by cutting-edge artificial intelligence, ensuring that users can be verified quickly

Incode's AI-first Identity Orchestration Platform boasts the industry's lowest error rates, a testament to its unwavering dedication to providing a positive user experience. This, in turn, catalyzes higher conversion rates and boosts business revenue. With 98% of users validated on their first attempt and an average recognition time of just 1.5 seconds, Incode has forged a reputation for speed and precision that few can match.

The impact of Incode's solutions extends far and wide, saving an impressive USD 170 million annually through fraud prevention. Over 100 million

users are verified by Incode each year, a testament to their global reach and their clients' profound trust in their services.

Incode's offerings span an array of critical areas:

Identity & Document

Verification: Onboard genuine users instantly, harnessing AI automation, passive liveness, and comprehensive document coverage to drive conversions while thwarting fraud.

Database Verification: Deter fraud with a comprehensive check against government data sources, commercial registrars, and third-party providers, ensuring that only verified users gain access.

Ricardo Amper, Founder & CEO

Know Your Customer (KYC):

Incode's Identity Ecosystem enables businesses to scale all KYC processes efficiently, from customer due diligence and data validation to risk assessment and record keeping. Their no-code workflow orchestration and biometric IDV make it a seamless experience

Age Verification: Incode's verification solution ensures compliance while reducing user drop-off during sign-up, improving the customer journey.

Anti-Money Laundering (AML): Screen and monitor customers against sanctions, watchlists, and PEPs, empowering businesses to thwart perpetrators and protect their interests.

Know Your Business (KYB): Growing your business doesn't have to mean increasing risk. Incode's eKYB business verification ensures a frictionless customer experience while keeping your operations safe and compliant.

Incode's influence extends across diverse industries, including financial services, gaming, web services, the public sector, and more. Their expertise in fighting financial crime, facilitating age verification, and preventing fraud resonates with financial institutions.

Simultaneously, the gaming industry revels in the advantages of instantaneous onboarding. The gig economy witnesses

reduced online fraud and the public sector benefits from remote access to vital government services.

Incode's Working Principles: Pioneering Trust in Identity Verification

A profound respect for the enduser is at the heart of Incode's identity verification methodology. They firmly believe everyone interacting with their services should have a frictionless, secure, and convenient experience.

Incode's approach is rooted in putting the user first, ensuring that the verification process is not a hindrance but a seamless part of the user journey.

Incode thrives on innovation. They are dedicated to remaining at the forefront of technology, constantly seeking to leverage the latest advancements in artificial intelligence and machine learning. This commitment to cutting-edge AI technology enables them to offer industryleading solutions that are both precise and swift.

Incode recognizes the sensitivity of the data it handles. Protecting the privacy and security of user information is non-negotiable Their working principle revolves around stringent data protection measures, ensuring user data is handled with the utmost care and safeguarded against breaches.

Incode operates in an environment of continuous learning and improvement. They believe that progress is an ongoing journey. Consequently, their teams are perpetually engaged in research, development, and enhancement of their solutions to stay ahead of evolving fraud and security challenges.

The company operates with a strong sense of global responsibility. They diligently follow and adapt to the everevolving regulatory landscape. Incode ensures that its identity verification services comply with international regulations and standards, helping businesses navigate complex legal frameworks seamlessly.

Incode Technologies's Vision for the Future

This future vision propels Incode to innovate and redefine identity verification parameters continually. It fuels their commitment to creating a future where trust is not just a concept but a tangible reality, making digital interactions secure, efficient, and trustworthy.

Incode aims to be the driving force behind this vision, pioneering a future where identity verification is a catalyst for seamless, secure, and boundless digital experiences.

Empowering Humanity, One Act of Compassion at a Time

Dr. Hany Saqr, CEO of Life for Relief and Development, exemplifies passionate leadership, transforming the organization with heartfelt dedication. Founded in 1992 and headquartered in Southfield, Michigan, LIFE operates in 23 countries, positively impacting millions annually. Dr. Saqr's journey began with a medical degree in Egypt, followed by a master's and Ph.D. from Ohio State University. His career as a scientist and professor at OSU honed his empathetic leadership style. With extensive experience in founding and serving on nonprofit boards, Dr. Saqr's tenure at LIFE over the past decade has been marked by significant success in global relief efforts.

A Moment When Dr. Saqr's Leadership Shone

There have been many times when Dr. Hany Saqr's leadership has stood out. Most recently, his skills were crucial during the latest Gaza crisis. This crisis led to a rapid increase in food insecurity and starvation, posing immense challenges such as logistical issues, security risks, and the plight of thousands of displaced, injured, and suffering families. Dr. Saqr used his network to mobilize resources and partners both in Gaza and abroad. He created new strategies to deliver targeted aid efficiently and safely to Gaza communities.

Thanks to his tireless efforts, LIFE was one of the few organizations

able to provide critical aid to displaced families in Gaza. The aid included bread for 200,000 people, 100,000 hot meals, 40,000 food baskets, 15,000 bags of fresh vegetables, 55,500 bags of flour, 5.2 million liters of clean water from a solarpowered filtration system, 2,000 hygiene kits, 7,000 blankets, 3,600 water bottles, 18 truckloads of supplies, 3 medical convoys, 2,000 winterized tents, 100 toys, and 1,000 winter coats for children.

How Does Dr. Saqr's Organization Impact Society?

LIFE provides humanitarian aid and relief to vulnerable populations worldwide. Founded on the principles of compassion, integrity, and equality, LIFE

Dr. Hany Saqr, CEO

strives to alleviate suffering and promote dignity among those affected by crises, whether caused by conflict, natural disasters, or socio-economic challenges. LIFE supports over 13,000 orphans globally through its Orphan Sponsorship Program, offering essentials like food, shelter, and education. Events like the Global Orphan Party bring joy to these children, showing them, they are cherished and valued.

LIFE's Emergency Relief Program responds quickly during disasters, providing clean water, food, clothing, hygiene products, bedding, and shelter. In 2021, LIFE assisted in 432 catastrophic events worldwide.

Recognizing the lack of essential health services, LIFE provides medical donations, establishes clinics, and upgrades healthcare facilities. The 'Here to Hear' project helps the hearing impaired with ear exams and hearing aid fittings. In 2023, LIFE distributed $8.5 million worth of medical supplies globally.

LIFE also focuses on clean water solutions, which are essential for health and prosperity. By building wells and using purification technology, LIFE has provided safe drinking water to many, including in Gaza. To date, LIFE has built nearly 300 water wells worldwide. Through its Education Program, LIFE provides school supplies, builds schools, funds operational costs, sends books to needy schools, and offers

scholarships, ensuring every child has access to education.

LIFE's Community Development Program builds infrastructure like community centers, medical clinics, schools, and water wells, creating self-sustaining environments that empower underdeveloped communities. The Family Assistance Program supports vulnerable single mothers and disabled heads of households by providing essentials like food, clothing, hygiene kits, shelter, education, and employment opportunities.

LIFE's Winter Relief initiative offers warmth to displaced and vulnerable communities with clothing, blankets, heating oil, and coats. LIFE provides food and gifts to struggling families during holidays, supporting over 6 million people in 2022. For refugees displaced by conflict, persecution, violence, or disasters, LIFE offers essential support, including food, water, healthcare, housing, and education, to help them rebuild their lives and find stability. LIFE's diverse programs significantly impact millions of lives every year, driven by the power of human empathy and the desire to improve living standards and potential for those in need.

What does Dr. Saqr's typical day as CEO entail?

Throughout his day as CEO, Dr Hany Saqr engages in a dynamic mix of activities crucial to overseeing Life for Relief and

Development. Starting with an early espresso, he reviews urgent priorities and decisions.

Meetings with senior management follow, focusing on project updates and resource strategies. The morning continues with virtual sessions involving teams like media, projects, and public relations, ensuring progress and collaboration. Afternoons often involve discussions with international partners, donors, or officials to secure funding and advocate for humanitarian causes. Strategic initiatives, financial reviews, and public engagements fill his post-lunch schedule, correspondence, and preparation for board meetings. Dr. Saqr remains accessible to his team, offering guidance and addressing crises, embodying effective leadership in the humanitarian field.

How Did Dr. Saqr Handle Leadership Challenges?

One of Dr. Hany's toughest challenges as CEO was balancing expectations and responsibilities while fostering team unity. Balling's long-term strategy, which had daily operational needs, initially presented a significant learning curve. To overcome this hurdle, he prioritized effective communication, listening to team perspectives while clearly outlining goals and expectations.

Building trust and empowering team members to take

ownership of their roles were crucial in aligning efforts toward shared objectives.

Fortunately, many LIFE staff members are deeply committed to their humanitarian mission. They actively chose this career path to make a positive impact globally, which facilitates finding common goals and values. This shared dedication has been pivotal in advancing the organization's passion and productivity

How Does Dr. Saqr Balance Personal and Professional Life?

Dr. Hany Saqr balances his commitment to family and his demanding role in humanitarian work with dedication and grace. While he cherishes moments with his loved ones and enjoys occasional vacations, his family understands the urgency of his work, particularly in responding swiftly to global disasters like floods.

Despite his busy schedule, Dr. Saqr ensures daily connection with his family and regular shared meals, valuing these times for bonding. As a leader, he exemplifies hands-on engagement with his team, actively participating in meetings, listening attentively to ideas, providing constructive feedback, and implementing effective strategies.

Dr. Saqr encourages an inclusive and supportive work environment where every team

member feels empowered to contribute, ensuring that LIFE for Relief and Development continues to excel in its humanitarian efforts.

How Does Dr. Saqr Handle New Ideas for the Organization?

When faced with new or unpopular ideas that could benefit the organization, Dr. Hany Saqr assesses them against strategic goals, organizational values, potential impact, and risks. He consults stakeholders, promotes open dialogue, and may pilot the idea to gather additional information.

Dr. Saqr stresses transparent communication and careful decision-making to evaluate feasibility, prioritizing innovation and organizational progress while managing potential challenges.

What Values and Culture Define LIFE for Relief and Development?

Integrity forms the bedrock of LIFE for Relief and Development's operations. The organization believes in earning and maintaining trust through transparency and accountability. They ensure that every stakeholder, from donors to beneficiaries, can access their records, financials, partnerships, and ongoing projects. This commitment to openness extends to sourcing high-quality resources at the best prices for their beneficiaries, ensuring that

every contribution makes a meaningful impact.

This dedication has built longterm donor relationships, with supporters becoming lifelong contributors to LIFE's humanitarian mission, driving the organization's significant growth.

Compassion is another cornerstone at LIFE, guiding their approach to addressing individual needs with dignity and empathy during crises. It fuels their team's dedication and unity, as many in the organization are driven by a profound desire to make a positive difference in people's lives.

Collaboration is equally vital at LIFE, fostering partnerships with local communities, governments, and other organizations. Internally, it promotes teamwork morale and enhances their collective ability to reach and support more individuals in need worldwide

What is Dr. Saqr's Approach to Technology and Innovation?

Technology plays a pivotal role in shaping the future, impacting every aspect of daily life and promising continued transformation in the years ahead. Recent advancements in humanitarian technology have been remarkable, and LIFE for Relief and Development is committed to leveraging these innovations to their fullest extent. Advanced data analytics, such as satellite imagery, empower

NGOs to make well-informed decisions and efficiently distribute aid, especially in remote or conflict-prone regions.

Artificial Intelligence (AI) enhances humanitarian efforts by processing vast datasets to predict and prepare for future crises, offering insights based on past successes and failures.

Drones have emerged as invaluable tools for disaster management and resiliencebuilding, facilitating rapid data collection and aid delivery in inaccessible areas due to roadblocks, adverse weather, or conflict. The advent of 3D printing has revolutionized humanitarian aid by enabling the production of customized assistive devices like prosthetics and desks. This technology empowers communities to create essential tools locally that were previously inaccessible.

Dr. Hany Saqr emphasizes the critical role of technology in humanitarian work, stating, "As we look ahead, integrating these innovations is essential. They are not just about efficiency but also about enhancing compassion and effectiveness in every humanitarian endeavor.”

What Book Inspires Dr. Saqr and LIFE's Culture?

Dr. Hany Saqr, despite his busy schedule, values reading. One of his favorite books is "Originals" by Adam Grant. This book explores how innovators

LIFE for Relief and Development provides compassionate aid to empower communities globally.

champion new ideas and navigate challenges.

It emphasizes recognizing good ideas, building alliances, and promoting cultures that encourage constructive dissent, reflecting LIFE's commitment to feedback and open communication.

Dr. Saqr's Future Plans for LIFE's Growth

LIFE has experienced significant expansion, with operations now spanning all 50 U.S. states and

new offices in Yemen, Kenya, Malaysia, and Somalia. Dr. Saqr intends to sustain this momentum by seeking registration in Lebanon and the U.K. and potentially expanding into Bosnia and Ukraine.

His vision is for LIFE to grow comprehensively, enhancing its global footprint to deliver effective aid to more people worldwide.

Driving Success through Technical Prowess and Transparent Relationships at Rank Harvest SEO

Michael Chagala's journey as the Founder and CEO of Rank Harvest, LLC, stems from a profound passion for empowering businesses through effective digital marketing strategies. His vision and leadership have been pivotal in positioning Rank Harvest as a premium provider of search engine optimization services for local and national businesses, especially in highly competitive markets and challenging niche rankings. A relentless pursuit of knowledge and growth has marked Michael's career trajectory. Beginning as an unpaid intern sweeping the floors of a software development company's server room, he ascended the ranks from a software engineer to a digital

marketing expert, eventually stepping into leadership roles.

His tenure as an executive at one of the fastest-growing companies in the United States showcases his knack for driving substantial revenue growth, taking a small energy company from a $20 million annual revenue to nearly $70 million as part of a select team of Directors. This diverse experience cultivated Michael's entrepreneurial spirit and served as the catalyst for launching Rank Harvest, aligning his expertise with a deep understanding of market needs.

Origins of Rank Harvest: Conceptualizing the Vision

The genesis of Rank Harvest SEO arose from Michael's

introspection about work-life balance and the impact of corporate demands on personal life. After years in the corporate sector, grappling with long work hours that strained his family life despite the perks and stability, he made a pivotal decision to break away and establish a digital marketing agency. This shift wasn't merely about personal liberation but also about crafting an environment where work dynamics allowed team members to flourish professionally without compromising personal commitments. Witnessing the growth of his clients' businesses and fostering the professional development of his team members has become the heart of Michael's motivation at Rank Harvest. He's passionately

Michael Chagala, Founder & CEO

dedicated to fostering a work culture that values flexibility and accommodates individual team members' needs, aiming to mitigate the demanding work-life balance issues he encountered earlier in his career.

Company Offerings: Specialized Services and Commitment to Excellence

Rank Harvest's repertoire revolves around two core services: Search Engine Optimization (SEO) and Paid Advertising. What sets Rank Harvest apart is its distinct focus on the technical aspects of digital marketing rather than solely leaning towards creativity. With in-house graphic design and content writing talent, the company seamlessly integrates creative elements into its SEO and paid advertising strategies.

The team's relentless dedication to mastering these fundamental areas ensures the delivery of exceptional work that consistently surpasses client expectations. Despite the potential to expand its service portfolio, the company remains steadfast in upholding its reputation for technical excellence and unparalleled service delivery

Overcoming Challenges: A Paradigm Shift in Business Ownership

The transition from a conventional corporate career trajectory to entrepreneurship

was not devoid of challenges for Michael. The predominant challenge stemmed from the fear of relinquishing a stable job. He grappled with doubts, almost succumbing to the allure of the secure corporate cubicle. Raised in an environment where conventional employment was the norm, the prospect of venturing into business ownership was daunting. The absence of role models or acquaintances engaged in entrepreneurial pursuits made the leap even more intimidating.

Michael's journey deviated from the traditional narrative; he embarked on business ownership mid-career with no prior entrepreneurial experience and demanding financial expectations. His business needed to succeed unequivocally from the outset, leaving no room for error or a gradual build-up. This unique circumstance compelled Michael to navigate uncharted waters, driving him to build a thriving business against formidable odds.

Work Culture and Business Ethics: Customer-Centric and Inclusive

Rank Harvest's ethos is deeply rooted in customer-centricity, transparency, and empowerment. The company places a premium on surpassing client expectations by fostering open communication within its distributed team. Encouraging each member to take ownership of their

responsibilities and make impactful decisions has been pivotal in cultivating a culture of accountability and innovation. Embracing flexibility, continuous learning, and inclusivity, Rank Harvest ensures a dynamic and diverse team capable of adapting to the constantly evolving SEO landscape. By upholding these principles, the company aims to create an environment where both the Rank Harvest team and clients thrive, contributing to the company's enduring success and sustainability.

Defining Success: Evolving Goals and Personal Growth

For Michael, success is a multifaceted journey rather than a static destination. It transcends personal accomplishments and attaining milestones; it evolves with the company's growth and the achievements of his team members. While founding Rank Harvest was a monumental success, the evolution of success spans empowering employees, celebrating their accomplishments, and fostering their professional development. Michael's perspective has shifted from individual milestones to the growth and success of his team, finding greater fulfillment in their achievements than his own.

Unique Business Approach: Transparency and Honesty in Sales

Rank Harvest stands out for its transparent and honest sales approach, reflecting Michael's

background as a software engineer turned digital marketer. Unlike traditional sales strategies, the company refrains from employing aggressive tactics to secure clients. Instead, the focus is on displaying prospective clients their current marketing status and demonstrating how Rank Harvest can provide value. Avoiding overpromising and setting realistic expectations underscores the company's commitment to building genuine relationships with clients, even if it means foregoing immediate sales for long-term trust and satisfaction.

Inspiration from Reading: A Catalyst for Growth

While Michael cannot attribute his journey to a single book, the habit of reading has played a pivotal role in his growth. Reading has been a constant source of inspiration, providing valuable insights, strategies, and perspectives that have shaped various facets of his entrepreneurial path. The habit of reading has broadened Michael's horizons, facilitated continuous learning, and contributed significantly to his personal and professional development, imprinting its influence on the unique journey of Rank Harvest.

Future Vision: Growth Through Employee Empowerment

Michael envisions a future where Rank Harvest's growth is

intertwined with the empowerment of its employees. This strategic shift aligns with the company's commitment to nurturing individual talent and allowing their expertise to guide the company's trajectory. As Rank Harvest continues to redefine the benchmarks of digital marketing, the focus remains steadfast on transparency, technical excellence, and an unwavering dedication to clients and employees.

Reflecting

on

the Journey: Challenges, Growth, and Innovation

Michael's journey with Rank Harvest has been a dynamic interplay of challenges, growth, and innovation. From its inception in 2018, the company symbolizes a pivotal turning point in his career, driven by a desire

for a better work-life balance and the vision to create a positive and flexible work culture Overcoming initial fears and obstacles, such as stepping into business ownership with no prior experience, was a testament to Michael's determination, strategic decision-making, and learning from both successes and failures.

Establishing Rank Harvest as a distinctive player in the digital marketing realm, emphasizing technical prowess over creative aspects, and prioritizing exceeding customer expectations have all contributed to the company's success thus far. As Rank Harvest's journey continues, innovation, empathy, and a dedication to a balanced and rewarding professional life remain its guiding principles.

on the mindsets and practices of leaders to lead the best team, set a strategy, and align the organization

CEOs are the ultimate decision-makers when setting and realizing a company's vision. They do that by taking into account the strengths of their company, an understanding of their ability to deliver value, the expectations of their board and employees as well as their personal ethics and values.

The Chief's Digest is proud to cover the story of one such business leader, who leads Selfly Store with the aim to create exceptional customer experiences with a complete, easy-to-set-up solution for running one's unmanned selfservice micro-store.

Leading an organization toward growth and success is definitely not an easy feat. In what circumstances did you find your leadership spirit?

I assumed my first leadership roles and positions when I noticed that other team members didn't have a strong belief in reaching “impossible” targets or going through turbulent times. When there was disbelief and mistrust, people turned to me to ask for advice. I figured out that I love to work in an environment, where nothing is certain, and the future seems to be unclear. The same principles apply to highgrowth targets, which people don't believe are reachable. Due

to my martial arts background, I tend to have the approach of finding a way to fight the odds. I am used to working hard and adjusting the plan quickly. This approach builds confidence in the team as well. Leadership isn't only about showing or telling, I believe it is more about building confidence and trust and helping team members surpass their own perceived potential.

What are your responsibilities as the CEO of your organization? Could you please walk us through what a regular day at work looks like?

There are two focus areas for a CEO – the company and the

Aslak de Silva, CEO

team. I always prioritize the team first. I have 5 direct reports with whom I have one scheduled meeting each week. On top of that, I am available at any time and proactively drop them a note or two during the day. I try to give continuous encouragement and feedback.

Moreover, I believe in providing my team members with a direction and vision, but then empowering them to figure out their own way of reaching that vision. I am always there in the background to help and support them the best I can. My nickname is 'Assu', so I consider myself to be an 'assustant', so helping in whatever is needed.

Also, I tend to be involved with customer meetings and do my own sales as well. Similarly, I focus on marketing and am active on LinkedIn by posting something daily and taking part in conversations. I believe that the leader of the company can and should be visible. This is part of marketing and brings in new sales opportunities as well.

I follow industry news and other media to pick up relevant news items to share with the whole team. I feel communication and easy access to the CEO are crucial. Due to having team members in 7 countries, I rarely meet people face-to-face. But video calls, weekly all-employee calls, events, kick-offs, and others, are all important in keeping up the closeness with all team members.

You cannot lead without people. Treat them well and fairly, and you will succeed together.

How do you maintain a balance in your personal and professional life?

A good balance in life is crucial. I wouldn't call it work-life balance, since balance is more comprehensive and includes other aspects as well. I am an active user of the calendar and all my events, meetings, bookings, etc. go into it, regardless of if they are related to work or leisure time. For instance, I mark my daughters' training schedule as the basis of my weekly agenda. I will not book any business meetings to overlap those, which allow me to take them to their training, watch them train, and train by myself at the same time. This eases up the need for my personal time and at the same time helps my wife to have a short break for herself as well. So, scheduling and including all the important items in my calendar equally helps me to keep the balance and ensures that everything is under control.

What do you do when you come across new or unpopular ideas that could be beneficial for the organization?

I think all ideas are always welcome. I used to say that “the best argument wins”, meaning that we should always be willing to discuss ideas and after hearing the main points, agree on which had better arguments in favor of the idea. I still believe that we need to talk and look at ideas from different angles, but the winning idea is not decided by debate skills dependent on the person bringing it up, but it should always also include understanding and help from those, who didn't come up with the idea. Not all of us are good at expressing our ideas and having the best arguments available Sometimes, a hunch is better than any given argument. Moreover, I have no trouble changing my mind or decision if something new comes up or I notice that the decision was not the best.

Could you describe the values and work culture that drives your organization?

Transparency, communication, voicing out concerns, and trusting each team member are all crucial parts of Selfly Store's work culture. We are not afraid to disagree or bring bad news to each other. We openly talk about our concerns and opportunities, to keep everyone in the loop and also be able to allow everyone to contribute. It is not always easy, and I know that speaking up in an all-employee call with 10+ nationalities attending is not even possible. But it is more important to have a chance and hear the discussion than optimize the conversation at one meeting. Everyone can then discuss and bring new opinions and approaches in team meetings or 1-1s with their leader. I am then expecting to get information from these discussions and bring them up to the whole company, when applicable.

This year, we wanted to take our Customer Experience to another level. Our Customer Success Director led the process and we, as a team, worked a lot on our CX values. We included the whole team in discussions and worked together to find the words which described us very well. In the end, we adopted these values to be our brand and core values for the whole company. This made a lot of sense since the whole team was passionately giving input and

finding the process motivating. After all, we all do this for our customers, thus making a lot of sense of having the same values for everything. This was a new approach for me, but I really liked the outcome of it.

From the CEO's desk: Knowing the man behind Selfly Store

Aslak started to train in martial arts when he was 12 years old. He competed in about 100 fullcontract fights and won the world championship gold medal in the USA in 2000. Aslak coached in 4 different countries but due to injuries, he had to stop fighting. He focused on finishing his studies at Graduate Business School at Gothenburg University, Sweden and received the best thesis award of his class.

Aslak's second career started in customer service and sales

positions, and he has been leading teams and companies for almost 15 years now. Prior to joining Selfly Store, he was the CEO of Nordic Business Forum, an event with customers from 50+ countries and featuring speakers such as Barack Obama, George Clooney, Steve Wozniak, and many more. Prior to that, he was the CRO for Naava, heading an international sales and marketing team in Scandinavia and USA.

In the end of 2022, Aslak was accepted in the Forbes Business Council. Admission was based on the depth and diversity of his experience, including a track record of successfully impacting business growth metrics, as well as personal and professional achievements and honors.

Making an Impact Around the Globe

Stable Road Foundation, established in 2017 by Ed Freedman, the founder and former chairman of Total Merchant Services, is a philanthropic organization dedicated to making a positive impact on communities worldwide. Freedman brings his passion for helping people to the foundation, aiming to empower individuals and communities to reach their fullest potential. He is an avid kitesurfer, cyclist, and yogi.

The Genesis of Stable Road Foundation

Ed Freedman's inspiration for creating the Stable Road Foundation came from a desire to support children and families in achieving their dreams. Fueled

by a commitment to creating positive change at home and abroad, he envisioned projects that would benefit communities in specific, concrete ways. The foundation's motto, "Feel the impact," reflects its mission to provide essential resources like power, clean water, and education to help communities thrive.

Diverse Offerings and Responsive Solutions

Stable Road Foundation provides tailored solutions to address community needs both at home and abroad. Through hands-on volunteering and financial support, the foundation collaborates with trusted partners with a proven track record of making a meaningful impact.

Community responses over the years have shaped the foundation's offerings, emphasizing the importance of flexibility and responsiveness to unique local needs.

Navigating Challenges and Building Partnerships

In the early days, Stable Road Foundation faced the challenge of addressing an overwhelming amount of global needs with limited resources. The key to overcoming this challenge has been the foundation's strategic partnerships with local organizations that provide onthe-ground expertise in addressing local challenges.

These partnerships unlock enormous amounts of expertise,

Ed Freedman, Founder

resources, and community support, significantly expanding the foundation's impact.

Cultivating a Strong Work Culture and Ethical Values

The foundation's work culture is built on the principles of making long-term commitments to partners and the communities they serve. Stability and consistency are core values, and the foundation takes a proactive, hands-on role in its projects and keeps its commitments for the long haul. The team at Stable Road Foundation believes in putting values into action, getting involved, and making a tangible difference

with words. This level of trust has been pivotal in building lasting relationships and achieving meaningful impact.

Uniqueness: Valuable Partnerships and Long-term Dedication

Two distinguishing features set Stable Road Foundation apart: its ability to form valuable partnerships and its dedication to long-term projects. The foundation actively engages communities, ensuring mutual investment and commitment. This unique approach fosters a sense of shared responsibility, making the foundation's initiatives more impactful and sustainable

For our kids. For our communities. For our planet.

needs of people both at home and abroad, extending its reach to make a positive impact on a larger scale

Reflecting on the Journey: Impact-driven Fulfillment

in Values

Defining Success and Consistency

Ed Freedman defines success as helping individuals reach their maximum potential in life. While recognizing that success varies from community to community, he emphasizes the importance of consistency and staying true to one's values. The foundation's commitment to consistency and follow-through has been instrumental in its success.

Contributing Factors to Success

Stable Road Foundation attributes its success to consistency, reliability, and a steadfast commitment to its promises. The foundation's partners trust that when they collaborate with Stable Road Foundation, commitments will be honored, and actions will align

The Power of Meditation

Ed Freedman draws inspiration from his daily transcendental meditation (TM) practice. Since being introduced to the practice by the David Lynch Foundation ten years ago, Freedman has consistently practiced TM twice a day. He finds that the practice unlocks deep sources of wisdom that can be applied in a wide variety of situations.

Future Outlook: Expanding Programs and Global Footprint

Stable Road Foundation envisions continued expansion, with a focus on developing more hyperlocal programs and initiatives to support communities on Maui, as well as ambitious projects in remote locations around the world. The foundation aims to address the increasing

Ed Freedman describes the journey of Stable Road Foundation as fulfilling, driven by the ability to feel the impact. The foundation's work creates a virtuous cycle, where each positive deed inspires the next. Despite the challenges, the ongoing journey is charged with a sense of purpose and a commitment to making a meaningful difference in the world.

Stable Road Foundation, under the leadership of Ed Freedman, stands as a beacon of positive change, demonstrating the power of collaboration, consistency, and a commitment to long-term impact. As the foundation continues to evolve, it remains dedicated to its mission of empowering people and communities to become the best versions of themselves

A Journey of Simplified Wealth Management

Bob Chitrathorn, cofounder of Simplified Wealth Management, narrates a story woven with humble origins and unwavering dedication. Raised by Thai immigrant parents in a Colton, California mobile home park, he imbibed the values of diligence and education early on. His academic journey, marked by a scholarship to La Sierra University and a subsequent Finance and Real Estate degree from Cal State San Bernardino, set the stage for his career as a financial advisor in 2004.

This journey illuminated his passion for personal finance, driving his pursuit to assist individuals in managing their wealth.

Inception and Ideals Behind Wealth Planning By Bob

Chitrathorn

The genesis of Wealth Planning By Bob Chitrathorn stemmed from a dissatisfaction with corporate priorities overshadowing genuine assistance. Witnessing a shift towards profit-centric approaches in previous roles, Bob envisioned a practice where the focus remained squarely on helping and educating individuals. This aspiration led to the birth of his practice, centered on personalized financial planning and guidance.

Service Offerings and Evolving Consumer Responses

Bob's suite of financial services

encompasses a spectrum, ranging from comprehensive financial planning and guided wealth portfolios to risk analysis, investment initiation, insurance planning, college financials, and specialized counsel as a Dave Ramsey SmartVestor Pro. These offerings have expanded over time, shaped by the needs he identified among clients. Notably, his recent foray into aiding individuals with Medicare stemmed from recognizing systemic issues within the industry that often overlooked end-users in favor of corporate interests.

Overcoming Challenges: Youth and Expertise

Early challenges centered on Bob's youthful appearance,

Bob Chitrathorn, Co-Founder

posing difficulties in immediately establishing credibility with older clients. Undeterred, he redirected his focus toward younger individuals, becoming a mentor and coach for many. The gratitude he received from this demographic bolstered his resolve and solidified his position as a trusted advisor

Work Culture and Business Ethics

At Wealth Planning By Bob Chitrathorn, the ethos revolves around fundamental principles:

• Client-Centric Approach: Always strive to do the best for the individual seeking assistance.

• Transparency and Honesty: Uphold these values in every interaction.

• Genuine Care: Foster deep connections with those being helped.

For Bob, success is intertwined with these core values. He believes that true success emanates from positively impacting the lives of those he

works with, driven by an unwavering commitment to genuine care and assistance.

Continuing Journey and Unwavering Passion

Reflecting on his journey, Bob maintains that as long as there's growth and positive influence, the path has been worthwhile His commitment to expanding his reach and positively impacting lives remains undiminished, signifying an ongoing journey of impact and purpose

Innovating Transactions, Elevating Experiences

In the ever-evolving landscape of fintech, Zūm Rails has emerged as a trailblazer, reshaping the payments industry with its innovative approach and commitment to seamless financial interactions. Founded in 2019 by Marc Milewski and Miles Schwartz, the company has swiftly scaled from a humble beginning at the kitchen table to a team of 30+ professionals providing groundbreaking payment solutions. Let's delve into the Zūm Rails journey, guided by the vision of its CEO and Co-founder, Marc Milewski.

Conquering Milestones: A Year of Triumphs

The landscape of open banking and instant payments adoption in the United States has been

relatively slow compared to its global counterparts, with notable exceptions like Brazil. However, a significant stride was made in July 2023 with the launch of FedNow, and the anticipation of forthcoming data-sharing regulations promises a potential acceleration in the domain.

While the journey towards comprehensive adoption continues, Zūm Rails, founded by Marc Milewski and Miles Schwartz in 2019, has emerged as a trailblazer in reshaping consumer payment experiences.

Acknowledging the fragmented nature of current payment systems, the Montreal-based company has taken the innovative approach of creating an all-in-one payment gateway

that seamlessly integrates open banking with instant payments.

Marc Milewski, drawing from his background in treasury payments and experience as an early employee at Versapay, identified the need for a unified gateway to address the complexities associated with moving money. In discussing their vision, Milewski stated, "Companies don't want to be payment experts — that's our job "

Zūm Rails has developed software to simplify the intricacies of money transfers across various payment rails, enabling companies to choose the approach that best suits their business needs. The platform leverages "omni rails,"

Marc Milewski, CEO & Co-founder

encompassing traditional credit, debit, and electronic funds transfer options, as well as realtime alternatives through partnerships with entities such as Visa Direct, Mastercard, MX, and Canada's Interac network.

Managing the flow of money involves identity verification, direct linking with bank accounts, and facilitating payments according to the customer's preferences, effectively reducing fraud and failed transactions.

Over the past year, Zūm Rails has experienced remarkable growth, processing over $1 billion in payments monthly for more than 500 companies, including notable names like Questrade, Coinsquare, and the Desjardins Federation of Credit Unions in

North America. Expanding its reach, the company successfully launched in the U.S. at the end of 2023.

Having bootstrapped the company to a team of 30 individuals, Milewski and Schwartz recognized the need for venture capital to fuel their ambitious initiatives. In a recent Series A funding round, Zūm Rails secured $10.5 million, led by Arthur Ventures. This investment aims to facilitate the company's expansion in the U.S., diversify its payment offerings, and introduce new banking-as-aservice features for merchants. Additionally, Zūm Rails is actively developing a FedNow offering in the U.S., promising FDIC-insured payments within seconds for businesses.

The company's impressive performance has garnered attention, with Jake Olson, Vice President at Arthur Ventures, praising Zūm Rails for achieving profitability without external capital. He emphasized the company's compelling product positioning, providing organizations with a comprehensive solution for the entire transaction journey and enabling a seamless experience for end-users. Zūm Rails, with its high-growth and capital-efficient approach, stands as a testament to conquering milestones in the ever-evolving landscape of digital financial interactions and instant payments.

Defining 'Smartness' in Operations and Strategies

At the core of Zūm Rails' success is its definition of 'smartness' in operations. Marc Milewski articulates the company's commitment to integrating the latest technological advancements, data, and innovative practices into their operations and strategies. Their ability to navigate the business landscape responsively, solving user problems while looking ahead to future risks, underscores their smart approach. Sustainability and ethics further solidify Zūm Rails' commitment to long-term success.

Fostering a Culture of Innovation and Adaptability

Zūm Rails places a premium on

creating an environment that fosters innovation. The company's smaller team thrives on top-tier talent, with a focus on solution-oriented problem solvers. An open work environment empowers employees to be autonomous and collaborative, generating value beyond traditional revenue metrics. This culture of innovation and adaptability has been pivotal in Zūm Rails' journey

Setting Zūm Rails Apart: A Unified Payments Hub

Zūm Rails distinguishes itself by offering a software platform that replaces entire payments tech stacks with a single, user-friendly interface. Unlike competitors, Zūm Rails provides a centralized hub for businesses, streamlining fund management and payment processes. This unique approach reduces risk and enhances the overall payment experience, setting the company apart as the only solution offering such a wide range of features in a single user interface.

Preparing for Industry Trends in 2024

As the industry anticipates significant trends in 2024, Zūm Rails is well-prepared. Recognizing the pain points of businesses operating with large tech stacks, the company was built to be scalable and act as an all-in-one payment solution. Viewing payments as more than mere transactions, Zūm Rails

sees them as opportunities for an elevated customer experience and enhanced analytics. The company's platform, built with the future in mind, allows for seamless pivoting in response to emerging technologies.

Collaborations Powering Growth:

The Questrade Partnership

Collaborations have played a crucial role in Zūm Rails' success, with the partnership with Questrade standing out. Working closely, they created the first complete instant payment platform, showcasing a shared vision of offering a quicker, more secure, and superior product. This collaboration not only validated Zūm Rails' concept but also provided a market MVP, optimizing workflow and validating their tools in the market.

Sustainability in Growth and Operations

While Zūm Rails explores limitless software capabilities, it remains committed to sustainable growth. Rigorous back-end protocols ensure preparedness for any eventuality, providing users and new Zūmers with a thorough and supported experience. Timelines are strictly maintained to prevent user disruptions during feature releases and development deployments, reflecting the company's dedication to sustainability in both growth and operations.

Staying Ahead in an Everevolving Market

Zūm Rails maintains its edge by diligently identifying and eliminating pain points within users' payment journeys. The company leverages pre-existing tools to analyze transaction data, customer spending habits, and financial interactions. This proactive approach allows Zūm Rails to focus on continuous improvement, staying ahead in an ever-evolving market without direct competition comparisons.

Company

Culture Driving Innovation and Productivity

Zūm Rails' company culture revolves around giving individuals the freedom to innovate. The fully remote team operates on an outputs-based approach, fostering creativity and accountability. Effective communication across countries and time zones has been key, enabling the team to work, innovate, and succeed together.

Maintaining Excellence: Zūm Rails' Future Outlook

As Zūm Rails looks to the future, maintaining excellence remains a top priority. The company intends to uphold practices that have led to its success, constantly innovating, eliminating friction points within its processes, and contributing to the evolution of the payments space