John Philpott was a founding team member and third employee at S1 Corporation, which created the world's first internet bank in 1995 and later grew into a $200M+ revenue software company, giving him hands-on experience with the early infrastructure challenges of online banking including literally hand-writing checks when digital payment systems failed. After serving as CEO of a wealth management platform representing over $70B in assets and co-founding a family office, he now invests at FINTOP Capital with a focus on B2B fintech infrastructure, serving on boards of companies like Trovata where his early internet banking experience directly parallels their treasury management mission.