Jim Harris

President of Sales & Marketing

 Jim Harris has demonstrated leadership for more than 20 years at every level of the payments & financial technology industry, from managing strategic partnerships at the industry’s largest player to founding and investing in a pair of successful startups.

Jim co-founded and served on the executive leadership team at MeritCard Solutions, one of the fastest growing merchant services providers during its eight-year run prior to a successful exit via acquisition by Paysafe in early 2016.  He has served on multiple boards of other fast-growing companies, including mobile solutions provider Tixsee and computer vision and machine learning platform Image Vision.  

At Chase Paymentech, Jim served as director of the firm’s strategic partner channel and also spearheaded efforts in sales and financial institution management. While managing the company’s strategic partner channel with more than 50 bank partners nationwide, Jim’s team drove the acquisition of more than 800 new merchants each month.

Jim Harris holds a bachelor’s degree in history from the University of North Carolina at Greensboro.


Joyce Gaines


Joyce Gaines has been a leader in the payment processing industry for nearly 40 years. She began her career in payments in 1985, working at Preferred Card Services, an independent sales organization affiliated with Imperial Bank in Southern California. Pursuing her passion for entrepreneurship and innovation, in 1987 she co-founded United Merchant Services (UMS), which later became UMS Banking.

During her time leading the company, UMS Banking has achieved a host of industry innovations, including the concept of outsourced liability partnerships with banking institutions, offering point-of-sale debit transactions to partnering institutions, introducing wireless technology to the banking industry, and launching smart card/gift card technologies for banks.

As devoted community servant, Joyce has championed multiple causes for a variety of organizations, including human rights, education, and children suffering from chronic illness.

Joyce Gaines earned a bachelor’s degree at Villanova University.  


Jorge Torres

Senior Vice President of Operations

 Jorge Torres is Senior Vice President of Operations at UMS Banking.  In his role, Jorge administers day-to-day operations to support the growth of the organization through increasing revenue growth and efficiency. He focuses on strategic planning and directs the company’s operations in support of its strategic goals, working collaboratively with the executive team in areas of finance, sales, marketing, operations, customer service, and human resources.

Jorge joined UMS Banking in 2010, serving as Controller and Vice President of Finance for nearly nine years. In that role, he was responsible for overseeing the preparation of financial reports, managing the accounting team, and monitoring banking and other financial activities of the organization.

Jorge Torres holds a bachelor’s degree in history from Azusa Pacific University.

celero leadership


Kevin Jones

Chief Executive Officer

Jeff Brown

Chief Operating Officer

Scott Farace

Chief Marketing Officer

Troy Wilkerson

Chief Financial Officer