Leadership
Josh Kelso
Chief Executive Officer &
Co-Founder
Josh Kelso leads Cr24’s culture of innovation in application intelligence, ergonomic design, and digital best practices. Previously, he held VP and SVP roles at MBNA and Bank of America, driving process improvements and partnerships with top financial brands. As a strategic executive at Trellist and SoFi, Josh expanded market share for Visa, Capital One, AT&T, and more, impacting over 200 million households. At Cr24, he aligns R&D, patent innovation, and business architecture to deliver digital-forward, client-centric solutions. Josh is active in youth charities and enjoys fitness, sports, and family travel.
Mike Belfiore
Chief Client
Program Officer
Mike Belfiore oversees the transition from development to launch for all ējis® programs, co-leading product strategy and ensuring seamless onboarding for Cr24 clients. His expertise spans enterprise software development, governance, and eCommerce operations, with leadership roles at First USA, CoreStates Bank, SEI Investments, CIGNA, AEGON, PNC Bank, ADP, and Premier Logic. Mike holds a BS in Computer Science from La Salle University and is a dedicated Philadelphia Eagles fan.
Greg Ballance
Chief Information Officer
ējis ēvolv programs
Greg Ballance brings decades of experience in enterprise technology and data intelligence to his role as CIO of Cr24’s ēvolv programs. He shaped early national military and nuclear tech projects and co-founded Diamond Technologies, leading programs for DuPont, MBNA, Oracle, IBM, and the US Defense Department. At Cr24, Greg drives product strategy to enhance data connectivity and eCommerce differentiation. He serves on advisory boards for United Way and youth organizations and enjoys baseball, golf, and kayaking with his wife, Debbie.
Tony Tancredi
Chief Technology Officer
ējis ēvolv programs
As CTO, Tony Tancredi leads the architecture and evolution of the ējis® software suite, guiding Cr24’s technology vision and innovation. He has driven digital product development for AFL-CIO, federal and state agencies, MBNA, Bank of America, and American Express. Tony oversees technical strategy across Cr24’s product, support, and LAB teams. Outside work, he enjoys family time and sport fishing along the Mid Atlantic coast.
Yeshpal Patel
Co-Director
ējis ēvolv programs
Yeshphal Patel directs diagnostic processes for ēvolv program operations, ensuring high performance and continuous improvement for every client. With deep experience in application development, system analysis, and agile methodologies, he has supported GMAC Mortgage, Merck, Goldman Sachs, Bank of America, JP Morgan Chase, and Capital One. Yeshphal holds an M.S. in Computer Science from Maharaja Sayajirao University and certifications from IBM and Deloitte.
Franklin Parrish
Chief Marketing &
Communications Officer
Franklin Parrish drives strategic marketing at Cr24, leveraging deep expertise from leadership roles at Capital One, Bank of America, and Kaiser Permanente of the Mid Atlantic States. A published thought leader and frequent industry speaker, Franklin serves on the Content Marketing Advisory Board for the Association of National Advertisers. He teaches content strategy as an adjunct faculty at Georgetown University and is a recipient of the Tropaia Award for Outstanding Faculty.
Bill Walker
Chief Revenue Officer
Bill Walker leads the growth marketing, sales, and operations strategy at Cr24. He brings deep expertise from leadership roles at Barclaycard US, MBNA, Unison, and Prosper, where he built and led teams overseeing 120x and 40x growth, respectively. Bill is recognized for his work in equity share products, with citations in Inc. and Forbes, and is a frequent speaker at industry events. He is passionate about leveraging customer insights and data-driven strategies to accelerate product development and deliver business results.
Founder's Corner
Cr24 was founded by financial leaders, Josh Kelso and Byron Burpulis, who understood how outdated, manual processes left banks exposed and vulnerable to compliance risk and stuck in delays. With no effective solution available, they built ējis®: a patented AI software designed specifically for financial institutions. ējis® automates digital content testing with real-time, audit-ready validation—so banks can launch marketing campaigns faster, eliminate manual errors, and satisfy even the most complex compliance standards. Built by insiders for the realities of banking and finance, Cr24 empowers your team to deliver speed, accuracy, and precision.
Josh Kelso
Co-Founder
Josh Kelso leads Cr24’s culture of innovation in application intelligence, ergonomic design, and digital best practices. Previously, he held VP and SVP roles at MBNA and Bank of America, driving process improvements and partnerships with top financial brands. As a strategic executive at Trellist and SoFi, Josh expanded market share for Visa, Capital One, AT&T, and more, impacting over 200 million households. At Cr24, he aligns R&D, patent innovation, and business architecture to deliver digital-forward, client-centric solutions. Josh is active in youth charities and enjoys fitness,sports, and family travel.
Byron Burpulis (1966-2022)
Co-Founder (In Memoriam)
Byron Burpulis was a visionary co-founder whose leadership and determination helped shape Cr24’s foundation, mission, and culture. His ideas and values continue to inspire our team and guide our growth. Before Cr24, Byron held leadership roles at Trellist, CTI, and North Fyord, serving global brands such as AstraZeneca, CVS, Bank of America, Capital One, Citi, Barclay’s, IBM, Campbell’s, Samsung, and Coca-Cola.