We value taking risks and reaching beyond boundaries to meet expectations.
We use our drive and commitment to energize, engage, and inspire others.
We operate with consistency, openness, and integrity in everything we do.
Our team is creative in solving problems for our clients and each other every day.
Chief Executive Officer
Raul Velarde is a seasoned corporate finance executive with more than 20 years in commercial lending. In addition, he has a background in information technology. He has taken his knowledge in the lending industry to revolutionize and streamline the lending process. Raul has held senior executive positions with CTF and Bibby Financial Services, among others.
Director of Marketing & Communications
Paula Claro is a senior professional with over 20 years of marketing and sales experience at several Fortune 500, technology, B2B, telecom and healthcare companies. She provides strategic direction, drives awareness, promotes thought-leadership, and generates market demand at Decipher.
Senior Advisor
Dr. Caroline Hartmann has over 25 years of experience in the areas of accounting, auditing, finance and tax and serves as an Advisor to Decipher. She began her career in public accounting as an auditor at Arthur Andersen and Deloitte as a Senior Auditor. She has also served as Comptroller, Chief Financial Officer and Internal Auditor for several companies and banking institutions, including ABN-AMRO Bank.
About Us
Technology built by lenders for lenders.
OUR STORY
Decipher was founded in 2016. We set out to revolutionize commercial lending by offering a highly configurable and robust cloud-based solution that automates the entire lending process from start to funding. The idea for modernizing came out of necessity. Our team had been in the factoring and asset-based industry for over 20 years and realized that there was a better way to manage the entire process in a way that is secure, reduces risk and cost, increases compliance, and moves clients quickly along the approval process. Our solution was developed by lending and credit experts. Our platform was built by lenders for lenders.
courage
passion
integrity
creativity
Executive Team
Raul Velarde, MBA
Raul
Paula Claro, MBA
Paula
Caroline Hartmann, PhD, CPA
Caroline
“Always code as if the guy who ends up maintaining your code will be a violent psychopath who knows where you live”
-John Woods
Gerardo Technology & Development
"When everything seems to be going against you, remember that the airplane takes off against the wind, not with it."
-Henry Ford
Luis Technology & Development
"The worthwhile problems are the ones you can really solve or help solve, the ones you can really contribute something to. No problem is too small or trivial if we can really do something about it."
-Richard Feynman
Renato Operations
"You don’t have to see the whole staircase, just take the first step."
-Martin Luther King, Jr.
Lisa Operations
"You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose."
-Dr. Seuss
Paula Marketing & Communications
“Always code as if the guy who ends up maintaining your code will be a violent psychopath who knows where you live”
-John Woods
Gerardo Technology & Development
"When everything seems to be going against you, remember that the airplane takes off against the wind, not with it."
-Henry Ford
Luis Technology & Development