FutureFuel - About Us

what we do

FutureFuel.io makes implementation of debt repayment easy. We offer student debt pay down, as a service. Our best-in-breed SaaS platform empowers employers and partners to “turn on” student debt repayment as a new employee benefit — enterprise-wide or for special employee populations. Refinancing and other value-add products are embedded into a contextually-aware, targeted, user experience, prompting financial literacy. Whether utilized as a branded or white label solution, FutureFuel.io serves up an elegant, simple, and intuitive process for all stakeholders.

Vision

Laurel's vision is to dramatically accelerate borrowers ability to retire student debt by aligning interdependent parties in a novel way: the private sector´s need to hire and retain top emerging talent with millennials' need to crush student loans.
In partnership with employers, we are revealing a new path to prosperity and a (student) debt-free America.

Mission

FutureFuel.io's mission is to democratize access to student debt repayment as a new normal in employee benefits. Partnering with the private sector will enable us to eliminate more than $1,500,000,000 in student debt by 2021. This is $1,500,000,000 that we liberate, from debt towards wealth — contributions to 401(k), savings, home ownership and beyond.

the team

Laurel Taylor

Founder & CEO
Bio

Laurel Taylor

https://www.linkedin.com/in/ltmit/

https://twitter.com/laureltaylor1

Laurel Taylor is the founder and driving force behind FutureFuel.io. Laurel’s mission is to reduce student debt by $1.5B by 2021, in partnership with the private sector.

Laurel has lived the problem we solve for both of our customers – as a leader seeking innovative incentives to retain top talent and as a student funding her education. When presented with a 9% interest rate on a student loan to fund her stint at MIT, with a credit score north of 800, she knew there was both an arbitrage opportunity and a serious need to innovate our way out of the mess that is student loan indebtedness and inappropriate risk profiling.

Laurel previously held a Head of Industry leadership position within Google’s Global Business Unit within the Large Customer Sales division, where she was responsible for meeting and exceeding eight-figure revenue targets. During this time, she also served as a super connector and cross-functional bridge within Google: Google Ventures, Partnerships, X, and Enterprise. Prior to Laurel's role at Google, she served as the Chief Revenue Officer and Executive Vice President of a technology and engineering firm in the San Francisco Bay Area, TEECOM. Her 15+ years at the intersection of technology and humanity enabled Laurel to internalize strong user preferences for all-things-mobile, efficiency, simplicity, instant access and engagement.

Laurel holds a Master of Business Administration from the Massachusetts Institute of Technology, Sloan School of Management. She holds an undergraduate degree from Texas State University where she majored in Organizational Communication, graduating summa cum laude.
Sergio Pereira

CTO
Bio

Sergio Pereira

https://www.linkedin.com/in/sergiomcpereira/

https://twitter.com/sergiomcpereira

Sergio leads technology and product development, and is responsible for setting the product vision and assembling the technology capabilities that allow FutureFuel.io to achieve that vision.

He brings 8 years of professional experience building technology, both as an operator, a founder and an executive.
Sergio is a MSc in Computer Science who has been a self starter since college, where he built a machine learning enabled bot for the stock market. After that as an IT Consultant at Accenture, he evolved from a software developer in a small team to a tech lead in a large team distributed across several geos.

Eventually he left Accenture to become a founder. The first venture was Goalstat, a sports marketplace where Sergio was the sole founder, being in charge of both the technology and sales. He built the first iteration of the technology, and as he landed the first sales assembled a small team to improve the tech and do marketing. The company grew to 80 client accounts in a few months.

Prior to joining FutureFuel.io, Sergio has spent 2.5 years as CTO of Clickly, an AdTech marketplace. Clickly grew from two founders to a multinational company with clients over the main geos in Europe. The technology Sergio directed was responsible for serving 500M+ user targeted ad impressions a day, and managing considerable amounts of data.
Kristen Tyrrell

Head of Growth
Bio

Kristen Tyrrell

https://www.linkedin.com/in/kristen-tyrrell-ba174525/

https://twitter.com/KristenTyrrell

Kristen Tyrrell, Head of Growth, finished her master's degree in Shanghai early in her career, and then spent several years working for a global management consulting firm, specializing in innovation management and capacity building for Fortune 500 clients in the US and Asia. She then moved into financial services, leading a team for a startup in Boston developing and scaling a pipeline of financial products and services. Kristen also previously led the Hult Prize to over 1M users within two years. As Head of Growth at FutureFuel.io, Kristen is responsible for catalyzing adoption and serving at the intersection of operations, marketing, product development, and user insight. Kristen manages our partnership outreach, user interface, Brand Ambassador program, and overall market growth strategies and execution.

Kristen has spent her career building innovative solutions to difficult problems. She believes that business must be a force for good. Kristen has a Masters in International Business and Bachelors in Mathematics and Economics. She has lived in Los Angeles, Buenos Aires, London, Shanghai, and Boston.
Matthew McHardy

Account Manager
Bio

Matthew McHardy

https://www.linkedin.com/in/matthew-mchardy-0792a269/

Matthew McHardy is an Account Executive at FutureFuel responsible for B2B business development and helping to shift employer perspective as it relates to flex benefits, particularly student loan repayment. Prior to joining the FutureFuel team full-time, Matthew spent two years at Boston’s biggest tech company, HubSpot. During his time at HubSpot, Matthew gained hands on experience with a SaaS sales cycle learning certain nuances found in the tech space. Matthew has a BA from the University of New Hampshire and currently resides in Somerville, Massachusetts. In his free time, Matt enjoys skiing, golfing, playing and keeping up with local sports.
Rodrigo Souza

Software Engineer
Bio

Rodrigo Souza

https://www.linkedin.com/in/rodrigomaio/

Rodrigo is a Brazilian-born Software Engineer with about 10 years of professional experience. He has deep technology expertise, and has worked with companies of different sizes throughout his career, ranging from multinational financial groups to early stage startups. When not programming, Rodrigo is a homebrewer and craft beer enthusiast.
Miguel Heitor

Software Engineer
Bio

Miguel Heitor

https://www.linkedin.com/in/miguelheitor/

Miguel Heitor, Full Stack Developer, has been playing with computers since his 9th grade. Started with Medal of Honor and ended with React and Laravel. For some time he wanted to follow Law, but soon understood that there were lots and lots of books to study. Having always preferred something more practical, the perfect path for him was Computer Science.

Graduated in 2013 he has worked with a diverse set of technologies, from old school languages to the latest javascript frameworks. Since he left college, he has worked on some different businesses like Real Estate, car parking and a publishing company. Loves to travel and every year, he tries to go to a different place.
Tiago Raposeira

Software Engineer
Bio

Tiago Raposeira

https://www.linkedin.com/in/tiago-raposeira-5120b976/

Tiago Raposeira started playing with computers since high school, where he took an IT Management and Development course, allowing him to start his ventures, on software and hardware ground.

After graduating as a Computer Scientist he got an opportunity to work at software development, and so he did ever since. With a major focus on the open source world, Tiago has been working with web frameworks as a full stack developer, building various web applications, websites and API’s in big companies and not so big ones.

Right now, he’s exploring the startup world, learning and expanding his tech savviness.
Tomas Monteiro

Software Engineer
Bio

Tomas Monteiro

https://www.linkedin.com/in/tomás-taborda-monteiro-090a10b9/

I've been working as a Web Developer for a few years.

I was studying political science when I decided to create a music centric startup with a few friends. Because we lacked investment I learned how to program with the help of youtube, stack overflow, etc. I’ve been programming ever since. My interest in psychology has pushed me to be an advocate for the user and to understand their needs so that I can improve my UX development in a modern and fun way. I aim to build intuitive platforms that leave a long lasting impression in the end user.
Tiago Silva

Software Engineer
Bio

Tiago Silva

https://www.linkedin.com/in/engtiagos/

Tiago Silva, software engineer, completed his MSc. in Systems and Networks Engineering in 2009. Since then, he is been working as IT professional in multiple contexts. From R&D projects in health and biology to online classifieds in one of the global leaders of this market. He worked for well known companies such as Unicer and OLX before moving to FutureFuel.io.

Along the years, he had the chance to work with mainstream development tools as well with cutting edge technologies in the fields of data mining, machine learning and computer vision. He is also expending his knowledge in product and project management.

Born in Oporto, moved to Lisbon in 2011. In his free time he enjoys to run and listen to new bands.
Sarah Biller

Advisor
Bio

Sarah Biller

https://www.linkedin.com/in/sarahbiller/

Sarah Biller is very active in the FinTech community as an Entrepreneur, Advisor and Investor. She is the co-Founder of the FinTech Sandbox and currently sits on its Board of Directors. Sarah also sits on the Advisory Board of start-ups in the robo-advisory, blockchain and FX trading sectors and teaches a graduate level course on the evolution of Financial Technology at Brandeis University .

Sarah was most recently the Head of Innovation Ventures at State Street Bank and its Chief Operating Officer for Innovation. Prior to joining State Street, Sarah was a Principal in the launch of several successful venture-backed start-ups in the FinTech and Life Sciences sectors. She was the Co-Founder and President of Capital Market Exchange (CMX), a venture-backed predictive analytics platform utilizing investor sentiment to help capital markets professionals anticipate near-term changes in bond and CDS spreads.

Sarah has also held roles at Fidelity Investments; worked on MCI’s corporate venture team; and launched and led research divisions for Fortune 500 CFO’s and treasurers at the Corporate Executive Board. Ms. Biller studied Finance at West Virginia University and George Washington University.
Kevin Walker

Advisor
Bio

Kevin Walker

https://www.linkedin.com/in/kevinrobertwalker/

Kevin is a serial fintech / edtech entrepreneur. He started his career by founding a language school in Russia. Kevin was the second employee at student loan pioneer, First Marblehead, where he led a unit that developed custom student loan programs at dozens of colleges. He later started and led the company’s marketing department. Following First Marblehead’s IPO, Kevin founded SimpleTuition (acquired by LendingTree), which has helped more than 20 million students and parents make sense of college financing choices. Kevin has been CEO and founder/acquirer of several businesses focused on lowering college costs: SmarterBucks, a bank and rewards program that helped graduates earn rewards to pay down their student debt. SmarterBucks was acquired by Gradifi (now First Republic). ValoreBooks, a textbook marketplace, grew more than 8x in three years, exceeding $100MM in sales in 2015 and appeared twice on the Inc. 1000. Boundless, a digital textbook platform, served more than 50MM students/educators in 2015. ValoreBooks and Boundless were acquired by Follett Higher Education. In addition, Kevin was a VC for a Russia-focused fund, working for the chairman of Yandex, Russia’s leading search engine. Kevin was also a management consultant at the Parthenon Group. Kevin has been a presenter/panelist for many fintech and edtech events, and was a New England finalist for EY Entrepreneur of the Year. Kevin holds degrees from Amherst and Harvard.
Kirstan Barnett

Advisor
Bio

Kirstan Barnett

https://www.linkedin.com/in/kirstan-barnett-ab153a9/

Kirstan Barnett is the sole partner of kbb capital llc, which invests in private companies across sectors and at the pre-seed and seed stage. She is an active angel investor in Boston and New York start-ups. Kirstan has 20+ years of management, M&A, financing, regulatory, strategic, operating and Board experience. She was a partner at Bracebridge Capital, one of the world's leading investment advisory firms with over $10 billion in aum, for 13 years. As a member of the senior management team of a company in high growth mode, she played key strategic roles with respect to risk, operations and management. She built out the regulatory, legal and compliance team and directed all legal and regulatory affairs. Ms. Barnett founded and is Chairman of the Board of SheGives, which has been acclaimed for its innovative model of giving. Together with a cohort of 100 of Boston's most accomplished women in healthcare, biotechnology, finance, venture capital and technology, in its first three years SheGives made grants of over $720k to a carefully diligenced portfolio of high impact nonprofits in Greater Boston.

Before that, Kirstan ran financing and M&A deals for major law firms in Boston and NYC, primarily for technology entrepreneurs, VCs and leading investment banks.

Kirstan has a BA from the University of New Hampshire, a JD from Georgetown University and an MBA from MIT.
Scott McKay

Advisor
Bio

Scott McKay

https://www.linkedin.com/in/scott-mckay-aa7533/

Scott has over 35 years of professional experience in software, where he has architected, designed, and implemented numerous large, complex systems, including operating systems, network stacks, compilers, interactive development environments, high-volume transactional web sites, and the first successfully delivered from-scratch rewrite of an airline reservation system. He has managed projects, led tech organizations (currently ZappRx; and before that, Cleartrip), and has helped grow companies from early stage to IPO (Symbolics, Inc, which was Internet domain #1 – the very first '.com') or acquisition (ITA Software, acquired by Google for $750M in 2011).

When he's not building products, he enjoys laid-back sports like windsurfing, free skiing, and rock climbing; he is also an incorrigible and expert amateur cook and wine collector.
Michael Westover

Advisor
Bio

Michael Westover

https://www.linkedin.com/in/mwestover/

Michael Westover, Advisor, grew up around computers, buying his first computer, a Commodore 64, in 8th grade. He graduated from the University of Washington with a Bachelor of Arts in History, but was employed as "the computer guy" for a number of small firms both during and after college. After a brief stint working in San Francisco, Michael headed to the East Coast and Boston College for an MBA. He graduated in 1997 with a concentration in Finance. Following graduate school, Michael started in the Corporate Research group at Liberty Mutual. He continued at Liberty Mutual progressing through various technical leadership roles. In 2006 Michael left Liberty Mutual in search of more entrepreneurial pursuits, involving a few startup business and consulting with major insurance carriers on innovation in software development. Most recently he held the role of Chief Information Office for Fidelity Life Association.

Michael has served as an advisor to FutureFuel since the early days, stepping in as Interim CTO while the search for the perfect CTO was conducted. He is currently in the early stages of an insuretech startup.
Chuck Kane

Advisor
Bio

Chuck Kane

https://www.linkedin.com/in/chuck-kane-22a18639/

Charles Kane is a Senior Lecturer in Technological Innovation, Entrepreneurship and Strategic Management Goup and also in the Global Economics and Management at the MIT Sloan School of Management.

Kane is currently chairman of the One Laptop per Child (OLPC) Foundation and was formerly the president of OLPC, a nonprofit organization that provides technology to enhance education in less developed countries. Prior to OLPC, Kane was a founding investor and CFO of Global BPO Services Corp., a Special Purpose Acquisition Corp. that acquired Stream Global Services.
Prior to Global BPO, Kane was the CFO of RSA Security (acquired by EMC); CFO of Aspen Technology; president and CEO of Corechange, Inc. (acquired by Open Text Corp.); and CFO of Informix Software (acquired by IBM). He has also served in financial executive positions at Stratus Computer, Prime Computer, and Deloitte.

Throughout his career, Kane has been involved in developing and executing sophisticated financial strategies in globalizing corporations and mergers and acquisitions. He is a frequent speaker and writer on these topics, as well as other international financial topics and social entrepreneurial ventures. Kane is the audit chairman on the boards of Progress Software (PRGS); Carbonite (CARB); Demandware (DWRE); RealPage (RP); and Photobox LTD.
He also served on the Boards of Applix (acquired by IBM); Borland Software (acquired by Micro Focus LTD; and Netezza Corp (acquired by IBM). Kane is also on the Board and a founding member of the Hult Global Challenge which is now part of the Clinton Global Initiative. He is a certified public accountant and has taught international finance at the business schools of Boston College and Babson College. Kane is the coauthor of the book Learning to Change the World—the Social Impact of One Laptop per Child.

Kane holds a BBA in accounting from the University of Notre Dame and an MBA in international finance from Babson College.
Anthony Phalen

Advisor
Bio

Anthony Phalen

https://www.linkedin.com/in/anthony-phalen-098a9610/

Anthony Phalen is an Account Executive on Google's Health Systems team and works with large hospital systems and their agency partners to plan, execute, measure, and optimize their digital marketing strategies across all of Google's platforms to improve patient experience and grow their businesses. His team’s mission is to help providers make their medical expertise accessible to all patients and caregivers and empower individuals to make informed healthcare decisions.

Anthony has worked at Google since June 2011. He started at Google in San Francisco working with clients in the education space aiming to improve their return on investment with Google by refining their online advertising strategies. Anthony then moved back east to the Cambridge, MA office to work with small and medium businesses on their digital marketing tactics before joining the Health Services team. Outside of his core role, Anthony works on both the Google for Nonprofits team and the Community Affairs team focusing on nonprofit and entrepreneur outreach in the Cambridge and Boston area. Before joining Google, he worked as a paralegal at a litigation law firm in New York City. A graduate of Swarthmore College, Anthony grew up in a suburb of Boston and loves playing and watching all sports.
Anuraag Khandelwal

Advisor
Bio

Anuraag Khandelwal

https://www.linkedin.com/in/anuraagkhandelwal/

Anuraag works as a Senior Account Manager on Digital Marketing Strategies for Google's Healthcare clients in Google's Cambridge office. He's been at Google for 4 years and his skills are in Digital Marketing products like Adwords, Youtube & Analytics. He's passionate about bringing a positive change in society and works as a part-time trainer and consultant for nonprofits, small businesses and startups. In his free time, Anuraag loves to dabble in a little Improv, Trivia, Karaoke and travel as extensively as he can.

Crush Your Debt.
Fuel Your Future.

what we do

Vision

Mission

the team

connecting with our emerging workforce