The Team

Filter by


Tradeshift, the fastest growing supplier collaboration platform and C2FO, the largest market for working capital have formed a strategic partnership to expand dynamic discounting solutions to a broader network of suppliers and buyers. The partnership will provide more suppliers access to the C2FO working capital market to improve cash flow and allow more buyers to increase EBITDA by paying their suppliers early. 

Tradeshift is a global supplier collaboration platform that connects buyers, suppliers, and all their processes. Tradeshift helps businesses of every size to run more efficiently, using cloud technology to improve processes like AP automation, procurement, supplier management and working capital optimization.

Read more

Joe Ratterman

Mr. Ratterman helped found Bats Global Markets in 2005, and served as Chief Executive Officer from June 2007 until March 2015, retaining the role of Chairman until the company’s merger with CBOE Holdings in 2017.   Mr. Ratterman remains active in the securities industry as a director on the CBOE public board as well as a member of the SEC’s Equity Market Structure Advisory Committee.

Prior to joining Bats, Mr. Ratterman was vice president of business development at Tradebot Systems. Previously, he was chief information officer at LabOne, the Lenexa-based health screening and diagnostic testing company now owned by Quest Diagnostics.  Before joining LabOne, Mr. Ratterman was chief technology officer at Bridge Information Systems, where he was employed from 1990 to 2002.

An accomplished water skier, rock climber, track and distance runner, professional photographer and type-rated ATP commercial pilot, Mr. Ratterman holds a degree in mathematics and computer science from Central Missouri State University, as well as Series 7, 24, 27, 55 and 66 licenses.

Mr. Ratterman and his wife Sandy are founders and operators of two charities in Kansas City – “Hope in the Streets,” which provides the homeless with food and other necessities and the “Worship Wagon,” offering a weekly church service to the homeless.  He is also the current Board President and a volunteer pilot for Angel Flight Central, a charitable aviation organization that provides free medical and humanitarian flights for people in need across the country.

Fifth Third Bank

Fifth Third Bank will provide corporations with a more comprehensive mix of working capital solutions through the C2FO partnership.

Fifth Third Bank is a diversified financial services company headquartered in Cincinnati, Ohio. The Company has $126 billion in assets and operates four main businesses including Commercial Banking, Branch Banking, Consumer Lending and Investment Advisors. As part of the agreement, C2FO will collaborate with the Fifth Third Bank team to offer a unique working capital solution to Fifth Third clients.

Read More

Alexander C. Kemper - Chairman and Chief Executive Officer

Sandy is the founder of C2FO and serves as Chairman of the Board and CEO. In addition, he is Chairman of the Board of The Collectors Fund, a private equity fund focused on alternative asset classes. Prior to founding The Collectors Fund and C2FO, Sandy founded Perfect Commerce (fka and served as the company’s Chairman and Chief Executive Officer from 2000-06. Prior to founding Perfect Commerce, he served as Chairman of the Board and CEO of UMB Bank and CEO of UMB Financial, a NASDAQ traded financial services company more than $12 billion in assets. Sandy began his career with UMB after graduating from Northwestern University in 1987. He majored in American History. Sandy is an active angel and venture investor and serves on the corporate boards of UMB Financial (NASDAQ: UMBF), UMB Bank, NIC (NASDAQ: EGOV), AXA Art USA (NYSE: AXA) and BATS Exchange, one of the largest stock exchanges in the world. Sandy and his family are active in academic, civic and philanthropic endeavors. He serves on the board of the Agriculture Future of America (AFA), a non-profit scholarship and leadership development organization that he co-founded. Sandy and his family live on a farm in Kansas City, Mo., where they raise and care for their horses, sheep and any and all wild animals (not including their four children).

Sanjay Gupta - Chief Operating Officer

Sanjay leads business operations for C2FO, focusing on global marketing, growing supplier engagement and programmatic onboarding of all corporate buyers. He brings more than 20 years of P&L, marketing and account management leadership experience to the C2FO team. He has led B2B and SMB efforts for Sprint, Network Solutions and Groupon. He has a B.S. in Economics, an MBA in Marketing/Finance and an M.S. in Communications. Sanjay resides in Overland Park, Kan., with his wife, two kids and a puppy.

Chris Dark - President International

Based in the C2FO Hong Kong office, Chris is responsible for C2FO business in EMEA, Asia-Pacific and LATAM. Prior to C2FO, Chris held key leadership positions at Atomico, AOL ( and Bain & Co. where he focused on the development, deployment and commercialization of new products and operational improvement and high-level strategy across several diverse industries. In addition, Chris is a former entrepreneur and the Founder of, an early eSports community founded in 2002. Chris holds a First Class master’s degree in Materials Science, and a Ph.D. in High Temperature Superconductors, both from Oxford University. Chris, his wife and son reside in Hong Kong. They enjoy entertaining friends (with hopefully great hospitality).

Dru Shiner - Chief Sales Officer

Dru has more than 20 years of experience working with Fortune 1000 customers to maximize the value of their strategic technology investments. Including Siebel, Oracle, SAP and As Chief Sales Officer, Dru oversees the global business development team and strategic partnerships for C2FO. His unrelenting drive for delivering on customer goals and objectives is grounded in his background as a CPA, which keeps him laser-focused on delivering quantifiable value. He specializes in building teams known for their thought leadership, collaboration and long-term commitment to the success of their customers. Dru is on the Board of Directors for Mission Adelante, a local organization that supports immigrants coming to the United States. A lifelong Kansas City resident, he spends most of his free time with his family and enjoys the outdoors, hunting whenever possible.

Kevin Daniels - Chief Product Officer

Kevin is responsible for setting and driving the C2FO platform product vision. Kevin brings 18+ years of high-tech experience to the team, and a strong track record of leadership roles in successful companies, including Mass Relevance, Bazaarvoice, and SportsMEDIA Technology Corporation, where he won two Emmy awards. He has a B.S. degree in Computer Science from Duke University and an MBA from the Tuck School of Business at Dartmouth. Transplants from Austin, Tex., Kevin, his wife, and three children enjoy experiencing all that Kansas City has to offer.

Pete Thomas - Chief Innovation Officer

Pete is the co-founder at C2FO and from his technical focus, continues to guide the evolution of the company’s software platform by applying his more than 10 years of experience building and maintaining large-scale transactional web applications. Prior to joining C2FO, Pete worked as a senior engineer for Impart Media, deploying digital advertising products. He previously was a consultant for Regence Blue Cross Blue Shield and a developer in’s Enterprise Websites division. Pete, his wife and son reside in Seattle, Wa., where they try to keep a steady practice of Bikram Yoga.

Erin Carney, CFA - Chief Investment Officer

Erin serves as Chief Investment Officer of the WFC Fund, an alternative funding option for businesses, and also serves as a member of the C2FO executive committee. Previously, Erin served as lead portfolio manager at the Kansas City-based Fountain Capital Management where she specialized in high-yield and leveraged loan investment strategies. Erin also has served in research and analyst roles for small and mid-cap value equity teams at Strong Capital Management and at McCarthy Capital Management. Erin was a member of the Women’s Golf Team at Indiana University, where she earned a B.S. in Finance with an Honors Designation. After graduation, she spent two seasons playing professional golf in the U.S. and Asia. She holds a Chartered Financial Analyst designation.