About us




Our core team and advisors have extensive relevant experience in loyalty, finance, capital markets, and technology development

The ACE Board

Atanas Christov

  • Serial entrepreneur, seasoned executive, 27 years in relevant roles
  • Built a Loyalty Finance & Strategy advisory, Affinia Volo Inc. (New York)
  • Senior McKinsey consultant focusing on Airlines and Financial Institutions
  • Experience in loyalty finance, strategy advisory, consultancy of airlines and financial institutions
  • Harvard Business School graduate

Jerry Baker

  • Entrepreneur with 31 years of experience in international insurance
  • Co-founder and Chairman of Benefit Architects, insurance brokerage firm
  • Founder and CEO of LifeSpan Partners, life insurance distribution company

The ACE Advisors

Dimitar Karaivanov

  • Executive with 15+ years of experience in finance and strategy
  • EVP of Financial Services and Corporate Development at Community Bank System
  • Former MD, Middle Market Advisory, FIG at Lazard and MD at FIG Investment Bank RBC Capital Markets

Howard Wettan

  • 20+ years of experience in the fintech space, licensing and commercial transactions in the payments sector
  • General Counsel at Deep Labs; Former Partner at White & Case LLP and Senior in-house Attorney at both Visa and Apple
  • Counsel to participants in recent loyalty finance deals for U.S. airlines

Michael Simon

  • Principal at Damaron LLC, experienced attorney in financial services regulation, providing consulting services to Exchanges and Broker-Dealers
  • For 18 years Head of the Legal and Regulatory Division of the International Securities Exchange
  • For 9 years Assistant Director at U.S. Securities and Exchange Commission; Head of SEC’s CAT project

Miguel Dembinski

  • Executive with 30+ years of experience in aviation finance
  • Former MD, Head of Aviation, Structured Finance Office for EMEA, MUFG Bank; Worked at Banque Indosuez, Credit Agricole and DVB Bank
  • Massachusetts Institute of Technology graduate