Level was created to challenge the status quo in banking. A challenger bank and mobile banking app from the team that brought you Zero and pioneered the “debit-style” credit card curbing consumer overspending, Level was built to deliver a market-leading customer experience to an even broader audience. Our team is deeply dedicated to our mission of delivering a better way of banking — with a better app, better support, and better economics to the customer.
We’re a talented and diverse group of creative problem-solvers, who have built a next-generation banking product and design-forward app that gives you 0.50% APY on FDIC-insured deposits¹, 1.0% unlimited cash back on debit card spending with $1,000 monthly direct deposit which applies to signature-based and online purchases¹, no fees or minimum balance requirements¹, reimbursement of ATM fees worldwide up to three times per month and $4 per reimbursement, and the ability to get paid two days early². Powered by a highly-secure modern banking system, Level comes with friendly and reliable service from our dedicated customer support team in California.
As the founding engineer and CTO, Evan is charged with building a world class mobile app, website, and back end. He is an experienced engineering leader with nearly a decade of professional experience building technology products from the ground up. As a mobile and product engineer at Postmates for two years, he built many fundamental features of the Postmates mobile apps, helped to hire and scale their engineering team, and worked with the CEO, product and business leads to ensure the company was focused on optimal objectives. He also previously worked as a senior software engineer at Zynga.
Michael has previously worked as an Engineering Director at Postmates, managing everything from backend to web to iOS, as well as a large team of engineers. At Zero, he is building a team of engineers that have the same passion for venturing into the unfamiliar, and creating a product in financial services unlike any other before it. Michael also previously worked as a principal software engineer at Zynga.
Ailien spent the last 15 years developing and implementing compliance risk governance frameworks and programs at organizations ranging from large complex banks (Silicon Valley Bank and Bank of the West) to fast-growing financial technology startups (Affirm, Inc. and Upgrade, Inc.).
Robert is in charge of managing credit risk. With over 10 years of credit risk management experience in unsecured consumer credit cards, Robert has previously worked for Wells Fargo in varying positions including Vice President of Decision Sciences.
As the Director of product management, Eric is responsible for building great experiences for our customers and growing our business. Eric joined from Capital One where he worked on the credit card acquisitions growth team. Previously, he worked on underwriting analytics for several of Capital One's customer management programs.
Izza is an experienced talent and human resources professional skilled in talent acquisition, strategy, organizational development, and recruiting. She brings many years of recruitment experience to the team and oversees talent for the San Francisco, Toronto and Walnut Creek offices. Previously, she worked as a Technical Recruiting Manager at Robert Half Technology where she partnered with small to mid and enterprise level organizations, assisting them on their recruiting and consulting needs. Izza joined to help bring world-class talent to the company and finds it exciting to work on such an innovative and fast-growing team representing diverse backgrounds and perspectives
Jacob has been building interactive experiences on the web for over a decade. Previously he was leading the team at Plays.tv that is building a ground breaking real-time communication platform for PC gamers. He has worked extensively with online video, created online 3D design applications, and managed major corporate web marketing platforms. Jacob has always harbored a secret passion for personal finance and is ecstatic to be part of a team that is dedicated to transforming banking into an exciting and intuitive experience.
Dalton is a technology enthusiast; he has a wealth of experience in building agile infrastructures to assist businesses in meeting their customers’ expectation of an always-on experience. Limitations on traditional banking recently ensnared him, and Level offered an exciting solution by putting the whole experience in the palm of your hand. Dalton has been an advocate of containerization and the agility afforded by the concept; he has helped build platforms for companies such as Apple, Stitchlabs and SigFig.
Kirby shares the goal of bringing a better banking experience to the public. Previously, he gained experience with platform development at Apple, Google Cloud Platform, and Acquia. He studied Computer Science at St. Edwards University, where he came to appreciate the value and power of small, highly focused teams.
Will is a senior backend engineer from IBM's data streaming and cloud integration team. Will is a founding member of Apache Edgent, and contributed heavily to the IBM Streams data processing framework. His interest in data science and finance was sparked after being involved in the cryptocurrency ecosystem, and is excited to help build a banking experience from the ground up.
Amber brings many years of financial services management experience, including knowledge of retail banking and consumer loans, to the support team. Having previously worked at Wells Fargo and LendingClub, Amber believes that strong employee engagement is a major contributor to delivering an excellent customer experience. She joined to build a best-in-class customer support team empowered to deliver unparalleled service, is grateful to have successfully led its growth to this point, and looks forward to further scaling with the team to new heights.
Zachary has experience in consumer loans, vendor relationships, customer success, and finance. A strong believer that high employee engagement and morale is a key part of the recipe for enhancing the customer experience, he previously worked at LendingClub. Zachary puts an emphasis on mentoring support team members to become leaders in customer support.
We’re a team of technologists with deep financial expertise, backed by some of the world’s most notable investors.
Our other product, Zero, has been very well received by the press. We strive to further raise the bar with Level.
Level, a challenger bank and banking app offers 1% cash back on debit card purchases, 2.1% APY on deposits, early access to paychecks and no fees.Link to the article
The app itself has a clean, modern almost minimalist design, making it simple to understand and navigate.Link to the article
Overall, Zero’s design feels clean and simple, compared to the cluttered and dated apps from traditional banks.Link to the article
You can have an elegant app that tells you exactly how much money you have and keeps you from spending any more. You can have a checking account that seamlessly pays off that credit card with no late fees or interest, ever. You can get a generous cash-back reward—up to 3 percent, a better overall offer than almost any credit card. All that, in one package.Link to the article
Credit card purchase rewards are nice—if you don’t incur fees. That’s where financial startup Zero sees an opportunity. Zero is developing an app and a card that behaves like a debit card but earns credit card rewards.Link to the article
Shiny start-ups that focus on everyday finance are everywhere these days, but Zero Financial is one I’ll be watching closely.Link to the article
Because Zerocard processes on credit card networks, it makes it easier to pay customers a consistent cash back rate between one and three percent, for all purchases.Link to the article
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