Happier
financial lives.

Twine empowers people to save more, save better, and save together.

Startup meets
John Hancock.

We're designers, programmers, researchers, strategists, marketers, analysts, and bookworms. We work from our startup office in San Francisco and John Hancock office in Boston.

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SENIOR FULL-STACK ENGINEER

Bill
Kaufman

👓 “Hey Bill, what programming languages do you know?” — “All of them.”

Bill was a nerd before nerds were cool. He came to California to study at UC Berkeley and has ridden the tech booms ever since. He’s excited to work on a product that helps people (and involves complex math).

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RESIDENT FINANCIAL PLANNER

Misty
Lynch, BFA, CFP®

🔮 Misty didn’t buy a single item of clothing or footwear in 2018; she’s competitive with new year’s resolutions. When she’s not blogging, reminiscing on her rugby days, or tending to her Rottweiler, you can find Misty helping her clients make wiser financial decisions. Or making meals her toddlers will never eat.

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VISUAL DESIGNER

McKenna
Pahl

🥰McKenna came to San Francisco from the lush mountains of Santa Cruz, and is stubbornly trying to replicate the same abundance of plants in her new urban home. Incubated in performance marketing, she enjoys creative strategy, grand schemes (creative campaigns), and tinkering with new methodologies. Talk to her about plants, games, and your so-called “crazy” theories.

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DIGITAL RIA OPERATIONS MANAGER

Susana
Ngan

🍾 Susana brings over 15 years of financial services operations and compliance experience to the Twine team. She enjoys knitting, traveling, urban organic farming and all things food related. While traveling, she always designs her itinerary around restaurant reservations.

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GROWTH MARKETING MANAGER

Stephanie
Xu

🎇Most likely off taking a nap, Stephanie was unable to provide her own introduction. zZZ


SH, CHINA -> WI -> SF


Stephanie is super passionate about boba, spicy food (especially hotpot), learning different languages, and sleeping in on the weekends. She loves puzzling the truth together while reading & watching mysteries/thrillers.  🙂

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FRONTEND ENGINEER

Alex

🙂 Alex built his first website in 11th grade to promote La Sierra High School’s Prom of 2002. He has been building web experiences ever since. When not writing JavaScript, Alex can be found in his kitchen cooking up new recipes. He enjoys the challenge of preparing vegetables because “anyone can cook a good steak”.

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HEAD OF MARKETING

Kai
Hansen

Kai is often found in the lab (with a pen and a pad) tinkering with marketing and growth strategies to help people live happier lives. When his nose isn’t in a book, Kai can be spotted exploring his new home in the Bay Area.

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INVESTMENT ANALYST

Alexandra
Baker

🐕 A finance major turned programmer, Alex worked in equity trading, portfolio operations, and quantitative research before joining the team. She’s excited to now use her knowledge to help Twine users reach their goals. Originally from Southern Louisiana, Alex loves cooking up a feast to share with friends. She also dabbles in anything outdoors or active. You’ll find her sailing around the Bay, diving under the sea, camping in the woods, climbing a rock wall, or exploring a new country. Though she has no pets in SF, she’s a proud dog aunt to many.

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USER RESEARCHER

Ryan
Anderson

🎣At Twine, Ryan gathers data and forms insights by talking directly with real customers every day. When he isn’t conducting research, you might find him fly fishing, taking care of his two brand new kittens, or enjoying a cup of freshly brewed pour-over coffee.

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CLIENT EXPERIENCE SPECIALIST

Emily
Cunningham

🤓 While hard at work in the Boston office, Emily has a passion and talent for building and maintaining robust operating processes between teams in Boston and abroad. Outside of her love of numbers, she enjoys traveling and discovering fun new restaurants to add her list of favorites.

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CUSTOMER EXPERIENCE MANAGER

Kevin
Yarbrough

🏍 Through his years of customer service and product development, Kevin has helped make countless users feel at home. He’s a big hockey fan (and a middling hockey player), a Bay-Area native, and when he’s not at work, he’s probably motorcycling by the ocean.

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HEAD OF DATA AND BEHAVIORAL ANALYTICS

Scott
Burns

👼 He studied why some countries get wealthier—now he’s applying academic insights to help American families reach their financial goals. After a time managing emerging market investments, he returned to California and co-founded what we now know as Twine.

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ENGINEERING INTERN

Hailey
Wang

🍭”All you need is Hailey” Roots in China, lived in Canada, Hailey has now reached the Bay. She’s a bundle of energy that brightens the mood. Off work, she’s an aspiring musician; She knows the rhythm of any drums and the melody from the piano. Snacks are her favorite; you’ll catch her munching day and night but you better act fast, if you want any.

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OFFICE MANAGER

Ciana
Catudan

🌻 San Francisco native Ciana is a dog/animal lover, calligraphy enthusiast, bullet journalist, and organizational neat freak. She enjoys a VERY large cup of coffee in the morning, Japanese pop culture, collecting Disney pins, and most importantly: hanging out with her rescued Labrabull named Lilo.

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FULL STACK DEVELOPER

Kaël
Quet

Originally from Vancouver, Kaël loves all things northwest: skiing, snowboarding, and sushi. After quitting hockey at age four he went through several dream jobs including: dentist, apricot, and pilot. He settled with engineering and studied at the University of Waterloo. When not typing on a keyboard, he’s at the rink, or spinning some of the hottest records.

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SENIOR PRODUCT MANAGER

Lulu
Lin

🍙Lulu loves learning new languages and exploring new places. She was born in Taipei, and have lived in Japan and the Bay. When she’s not cooking up a storm or designing something on her laser cutter, she’s thinking through how to automate her life to make it more efficient.

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SENIOR PRODUCT MANAGER

Manya
Scheps

🌵Manya has been creating and managing mission-driven products since 2010. She lives in Oakland with her husband, a cat, and 150 houseplants.

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ART DIRECTOR

Erin
Opperman

😍 Erin has spent the last 8 years working in professional creative services, the follow-up to a short-lived career as a starving artist. Passionate about enhancing and extending marketing initiatives, she champions strategic story-telling through visually stunning work. She’s also passionate about bulletproof coffee, vintage everything, and prepping for the zombie apocalypse…or any other unforeseen dystopian future.

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HEAD OF ENGINEERING

Terry
Chen

🎾A native of LA and Taipei, Terry resides in the East Bay with his spouse and their two daughters. On the weekend, Terry moonlights as a competitive tennis player.

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SENIOR DESIGNER

Brent
Otterlei

🍺 When Brent isn’t BBQing, brewing beer or chasing after his two daughters you can find him sketching and scribbling ideas in his notebook trying to devise new ways to delight users. A Bay Area native and questioner by nature his most effective tools are his notebook and the word, why.

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MOBILE ENGINEER

May
Yang

🤷🏻‍♀️May is a Bay Area native and a Comparative Literature major turned puzzled engineer. When she’s not scratching her head at some lines of code, she’s likely saying sweet nothings to her cat Tigerlily or her leopard gecko Cheetah. She is not ashamed of her passion for reality television.

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SENIOR INFRASTRUCTURE ENGINEER

Steven
Schwartz

📚 “Keep production running” – the infrastructure mantra. Steven has been doing that for a long time, all over the Bay Area. When not doing that, or building tools to help Twine move faster, he’s fencing in the SCA, playing games of all sorts, or writing (and reading) SF/F.

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RECRUITING COORDINATOR

Meghan
Grady

🥨Meghan roots from South Philadelphia, PA and considers finding her passion to be her passion- as she will try (mostly) anything once. In her free time Meghan enjoys going to the beach, attending concerts, traveling, and sending snail mail. She loves any event with a theme attached, can tell you where to get the best cheesesteaks, and greets every pug that crosses her path.

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iOS ENGINEER

Damir
Štuhec

Born into a musical family, Damir was hooked by computers and code at a young age. When not tinkering behind a keyboard, he loves to play guitar, cook, run, and get competitive playing football. Yes, the real football.

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FULL STACK ENGINEER

Tyler
Doss

👨‍🍳 California native and adventure seeker. Tyler loves to hike, fish, run, and BBQ when he’s not indoors. He’s not great with spicy food, (though determined to not let it beat him) however he’s a super solid engineer. He enjoys tackling tough problems and coming up with creative ways to solve them.

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ASSISTANT VICE PRESIDENT, COMPLIANCE

Bob
Hartigan

👀 A staunch believer in consumer protection practices, Bob has made a career out of putting customers’ needs first. In his free time, he can often be found jogging through Southie. He likes his tea to be English and his coffee Philz style. If a book has space travel or magicians in it, he’s probably read it.

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ACQUISITION LEAD

Thomas
Pan

👟Sneakers? USC sports? Acquisition strategies? If you want to chat about these topics, Thomas is your guy. Having spent many years doing performance marketing in mobile gaming, ride sharing, and health tech, he’s now helping Twine go up and to the right. Thomas digs a big sneaker drop, exploring various neighborhoods, and hiking in the Bay Area.

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PRODUCT MANAGER

Etienne
Maugain

✈️ Originally from France, Etienne is always testing the latest apps and thinking about “what’s next”. He is passionate about shipping features that make an impact for our Twine users. Outside of work, you might find Etienne road tripping, hiking, or kitesurfing…or taking care of Mallow (his fluffy samoyed), and Bob and Bobby (his favorite goldfishes).

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EXECUTIVE ASSISTANT

Sandra
Stotz

🤗 Sandra’s a foodie who loves to explore new places and never turns down dessert. Recently moved to LA, she loves soaking in the sun whether at the beach, on a hike, or picnicking at the park. When she’s not scheduling people’s lives, one calendar at a time, you can often find her doodling and painting.

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SENIOR DATA ANALYST

Carina
Deng

🏹 Carina is both logical and artistic. She is passionate about formal reasoning world of coding and interrogating data to confess. She is also fascinated by (over)dramatic artworks and accessories. She always likes to challenge herself. Along with doing archery and tennis, she insists on eating cheese while knowing full well she’s lactose intolerant.

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ENGINEERING INTERN

Rachel
Zhu

🙈 Being Twine’s youngest team member, Rachel likes to drink her milk and juice in wine glasses to blend in. At work, Rachel can barely see her desk because it’s covered with sticky note reminders. Despite her forgetfulness, she can remember the lyrics to every Backstreet Boys song. She loves music and you can usually find her jamming to one of her 40 Spotify playlists.

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MARKETING COMMUNICATION MANAGER

Vinh
Bui

😬 Vinh is excited to join Twine and work outside the mobile gaming space. Beyond gaming and marketing, Vinh is an enthusiastic foodie (he hates the label though) and casual sports fan. If you need one more for ping pong, spikeball, or cornhole, he’s more than willing to step up.

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HEAD OF LIFECYCLE

Danny
Dhillon

🕺Danny found out about Twine when his girlfriend told him she’d started saving for their future through the app. He’s been a fan ever since! A native of Medan, Indonesia by way of the San Fernando Valley, Danny is passionate about Salsa and Bhangra dancing, International Relations, and historical computer games. He regularly looks for ways to experiment in the kitchen and do guerrilla gardening around Oakland. When not at work, Danny is usually walking around Lake Merritt while planning international trips, thinking about hostels and how many things he can fit in a carry on.

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LEAD DATA ENGINEER

Edward
Lau

Edward a parent to the first high schooler musician in the clan (any 80s synth-pop fans here?). He grew up in Malaysia and studied in Canada and moved up from Orange County, CA to the Bay Area during the dot-com days. He also loves to travel and seeking out good food. Professionally, he has worked in many different industries from retail to media to philanthropic. He is very excited to be at Twine.

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PROGRAM MANAGER

Alex
Sullivan

👯 Originally from California, Alex has embraced the East Coast and calls New England home. When she’s not crossing items off of her daily to-do list, she enjoys exploring the area while listening to her favorite country music, rooting for the Celtics and Patriots, and traveling back to the West Coast to visit family and friends

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SENIOR COUNSEL

Dan
Carlson

Dan has worked as an attorney for over 16 years and with that brings his expertise, way with words, and attention to detail to Team Twine. He makes sure that what we say as a company is exactly what we mean, and is always focused on the needs of Twine customers. When he’s not in Boston, he loves to spend time in Florida.

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LEAD DATA SCIENTIST

Paul
Wyatt

⛰️ Paul is always eager to explore. At the office you’ll find him combing through Twine’s data with everything from bash to tensorflow. Outside work you’ll find him exploring nature. He had a wonderful time hiking the PCT from Mexico to Canada and his friends refer to wearing boots and a bandana as his natural state.

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SENIOR BACKEND ENGINEER

Rob
Arshonsky

🥑 Rob enjoys hiking, philosophy and Test Driven Development. Many guys are proud to show off pictures of their motorcycle. Not Rob. Rob will show you pictures of his homemade Ethereum mining rig. “Cryptocurrency and smart contracts are going to change everything,” he says (with a wild look in his eye).

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FRONT-END ENGINEER

Grace
Park

🐑 A Los Angeles and a New York native, Grace was the typical math geek throughout high school taking her traits from her grandfather who was a mathematician. She, instead, pursued a career in fashion design and came out of Parsons the New School for Design with a Fine Arts degree. Down the road, she realized her real career destiny should be in tech where her natural talent in math and experience in fine art can be put to great use. When out of office, you can find Grace taking Instagram selfies for her online jewelry line, Kora Story.

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DIRECTOR, DIGITAL STRATEGY

Jeff
Fernandes

🛳 Jeff believes that investing is for everyone, and wants to make sure people have the tools they need to make good financial decisions and achieve their personal goals. He lives in the Boston area with his wife and Golden Retriever, and enjoys golfing and cycling in his spare time.

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HEAD OF BACKEND

Michael
Boardman

🤖 Michael joins Twine after a decade of work on robots and secret space stuff. He is equal parts fancy and nice. You’ll probably find Michael at an artisanal cheese tasting — and you’ll definitely find Michael when you need help with your dev environment.

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HEAD OF PRODUCT & DESIGN

Elena
Patra

🙏 Elena used to write code and has led product at various personal finance, e-commerce and referral marketing startups. She’s a self-starter that can make something out of nothing and loves building teams that make products people want to use. When she’s not making stuff she salutes the sun (200 YTT), hikes or travels. Coffee is her jam.

How we work.

Stronger

Stronger with every thread

We believe our team’s success is driven by how well we share, learn, and iterate together.

Customer

The customer decides

We bring our customers’ perspective into every meeting, every discussion, and every decision we make.

Candor

Candor and compassion

We strive to share what’s on our minds candidly and with empathy – with our peers, managers, and partners.

Trust

Nurture trust

We foster a safe and inclusive environment for our team to do the best work of our lives, while vigilantly safeguarding the most trusted data in our customers’ lives.

Empowered

Empowered and accountable

We empower each other to take ownership, while holding each other accountable for seeing work through.