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Payment Alliance International
Our Innovative Leaders

Management Team

David Kozal - Senior Vice President, Chief Financial Officer

Dale Herb - Senior Vice President, Chief Talent Officer

Scott McFarland - Senior Vice President, Chief Revenue Officer

Dale A. Jones - Senior Vice President, Chief Technology Officer

E. John Macht - Senior Vice President of Operations

Michael W. Hammer - Senior Vice President, Technology Services

Krista Lowery - Senior Vice President, Insurance Services


David Kozal

Senior Vice President, Chief Financial Officer

David Kozal - Senior Vice President, Chief Financial OfficerKozal has over 25 year's financial experience in the Payment Processing Business. Prior to joining PAI, Kozal spent 20 years at First Data Corporation. Starting as a manager of Financial Reporting within the Finance Organization and eventually becoming the Chief Financial Officer of First Data Resource's Card Issuing business. Kozal was a member of the Merger and Acquisition team and the senior financial member of the First Data Client Renewal and New Business team. Kozal also worked at First National Bank of Omaha as a bankcard Financial Credit Card Analyst.

Kozal holds a Bachelor of Science from the University of Nebraska. Kozal currently serves on the Habitat for Humanity Metro Louisville Board of Directors. In 2012, Kozal was awarded "CFO of the Year" in the Very Large Private Company category by Business First.

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Dale Herb

Senior Vice President, Chief Talent Officer

Dale Herb - Senior Vice President, Chief Talent OfficerPrior to joining Payment Alliance International, Dale Herb spent more than thirty-years in the restaurant business with global brands KFC/YUM! Brands and Papa John’s. He has extensive experience in all aspects of Human Resources, Leadership Development, Field Finance, Project Management and Operations. His background includes leading organizational/culture change management initiatives, coaching and developing business leaders, as well as developing and implementing the necessary talent management strategies to turnaround underperforming teams. Throughout his career, Herb has successfully led numerous national cross-functional/cross-branded project teams where he planned and managed multi-million dollar budgets.

During his three-year tenure with Papa John’s, Herb led a variety of noteworthy Leadership Development initiatives. Notable accomplishments include the implementation of a new global learning management system that impacted more than 80,000 users, conversion of 45 eLearning courses from FLASH to HTML5, facilitation of converting all store-level eLearning content into 13 languages, formalization of operations employees’ career paths, and implementation of an entire suite of HR Compliance modules. Herb also developed, piloted and sold-in the Founder’s Go-Left Leadership Development program across both company and franchise operations.

Herb has a Bachelor of Science degree in Business from Bellarmine University.

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Scott McFarland

Senior Vice President, Chief Revenue Officer

Scott McFarland - Senior Vice President, Chief Revenue OfficerPrior to joining Payment Alliance International, McFarland was Executive Vice President for Event Marketing International (EMI), overseeing both domestic and global business-to-business sales. McFarland began his career in electronic processing over 15 years ago while managing a program for Cardservice International and later First Horizon Merchant Services. Under Scott's tenure the business produced more than 20,000 new merchant accounts annually through door-to-door sales. Working in the consumer credit issuing arena, McFarland managed sales organizations responsible for acquiring more than 12 million consumer applications annually around the globe.

McFarland served eight years in the U.S. Air Force, which culminated in his assignment to the Thunderbirds Air Demonstration Team.

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Dale A. Jones

Senior Vice President, Chief Technology Officer

Dale A. Jones - Senior Vice President, Chief Technology OfficerJones is a 17 year technology professional with expertise in telecommunications, data center management and software development. As Senior Vice President, Chief Technology Officer, Jones directs all software application development initiatives of the enterprise and strives to provide a professional user friendly experience at all touch points for customer facing software applications and web portals. Jones served as Director of Information Technology for ATM Express, which was purchased by Payment Alliance International in 2008. During his 7 year tenure with ATM Express Jones also served as co-founder and President of the industry-recognized ATM management web portal, PAIReports.com (formerly ATMReports.com).

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E. John Macht

Senior Vice President of Operations

E. John Macht - Senior Vice President of Operations Macht came to PAI with over 25 years experience in the merchant processing business. Prior to arriving at PAI in late 2009, Macht worked on several small business ventures for many years. He was also with NOVA Information Systems (now Elavon) for eight years as Senior Vice President and General Manager of Operations. From 1990 to 1993, he managed the operations for Norwest Card Services. Macht began his career at Fifth Third Bank in 1978.

Macht obtained his Bachelor's Degree in Administrative Management from the University of Cincinnati.

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Michael W. Hammer

Senior Vice President, Technology Services

Michael W. Hammer - Senior Vice President, Technology ServicesHammer has experience in all facets of Information Technology. Having started his career as a developer, he has served in roles ranging from system architect to help desk support engineer. He served as Director of Software Development for Financial Alliance Processing Services of Louisville, KY, a leading provider of processing services to the credit and debit card industries, which was later acquired by National Processing Corporation (NPC).

Hammer has directed e-commerce projects that employ multi-merchant shopping carts, highly specialized web development, site personalization via Microsoft's LDAP implementation of the ISO x.500 directory standard, and secure variable transaction flow to fulfillment partners. He has a unique business analysis background, having worked in such diverse environments as small, privately held firms, Fortune 500 companies, government agencies, and Internet start-ups. He has experience in a myriad of industries including legal, financial, technology, e-commerce and construction/development. Hammer has also served as a Database Administrator (DBA) for Microsoft SQL Server on several occasions, and marries this database expertise with his development experience and varied business background to architect complete customer solutions.

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Krista Lowery

Krista Lowery - Senior Vice President, Insurance ServicesSenior Vice President, Insurance Services

As Senior Vice President of Insurance Services at Payment Alliance International (PAI), Krista Lowery leads a team of business consultants trained to help specialty retailers utilize new payment technology to increase profitability, retain more customers, and increase average ticket size. Having owned and operated a specialty retail store for 17 years, Krista experienced first-hand the impact the introduction of the internet and other technology had on independent retailers, and thus has committed the balance of her career to help similar retailers understand and embrace technology to build business.

As an avid sports and shooting enthusiast, Krista is an active member and serves as Payment Alliance's liaison to the National Shooting Sports Foundation, The National Rifle Association Business Alliance, National Association of Sporting Good Wholesalers, National Sporting Goods Association, North American Retail Hardware Association, and the Tennis Industry Association.

Prior to joining PAI, Lowery served as National Sales Director for Renaissance Interactive Media, Marketing Communications Director at nVIEW Corporation, and specialty retail store owner/operator. Lowery has a Bachelor of Science degree in Communication Arts with a Minor in German from Georgia Southern University. She also has a Masters degree in Education from Grand Canyon University.

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