John Reap
President and Chief Executive Officer

John Reap has headed TNB Card Services and its parent, Town North Bank, since September 1994. He is the second president the company has had in its entire history. He began his banking career at Republic Bank, Dallas, and joined Town North in 1976. Mr. Reap is a business administration graduate of the University of Arkansas and earned his MBA at Southern Methodist University. He is a graduate of the Graduate School of Retail Bank Management at the University of Virginia. Mr. Reap serves on the MasterCard International U.S. Business Committee and the Dean’s Executive Advisory Board of the Sam Walton College of Business at the University of Arkansas.

Scott Wagner
Executive Vice President – Card Services

Scott Wagner joined TNB Card Services in 2005 as executive vice president and is responsible for managing the day-to-day operations of the company. Mr. Wagner brings more than 20 years of experience in corporate and entrepreneurial business management to TNB. Before joining TNB he held executive level positions with First Data Corporation, Inc. in Omaha, Nebraska and Commerce Bancshares in Kansas City, Missouri. He has a bachelor's and master's degree from the University of Nebraska.

Phil Davis
First Senior Vice President – Card Operations

Phil Davis joined TNB in 2007 and is focused on cardholder operations, including credit underwriting, member servicing, fraud, and compliance. Mr. Davis is a seasoned executive with nearly three decades of credit card industry experience, most recently with Citigroup. He has a degree in management economics from Hampden-Sydney College.

Jay Kurian
First Senior Vice President - Agent Issuing Program

Jay Kurian joined TNB in 2002 from Banco Popular where he was director of U.S. card products in Orlando, Florida. He has extensive expertise in the credit card industry and previously held management positions responsible for card products at Signet Bank and AT&T Universal Card. Jay is responsible for TNB Card Services' agent issuing program for credit unions and other financial institutions.  

Dusty Bowers
Senior Vice President - Client Relationship Manager

Dusty Bowers, who has over 20 years experience in the credit union industry joined TNB Card Services in March, 2006. He comes from the CUNA Mutual Group, where he was a division vice president and supported account managers in Texas, New Mexico, Oklahoma, Arkansas and Louisiana. At TNB, Dusty leads the sales and account executive teams.

Jan Dailey
Senior Vice President - Marketing

Jan Dailey has over 30 years of experience in marketing including a decade in credit and debit card program marketing. She joined TNB in 2001 after holding marketing positions at J.C. Penney and GE Card Services (now GE Consumer Finance). Jan directs TNB's marketing, public relations, training, and communication areas.

Mark Fenner
Senior Vice President – National Sales Manager

Mark Fenner joined TNB Card Services’ executive team and sales force in 2007 as the new national sales manager. In this leadership position, Mr. Fenner is responsible for developing new business prospects for TNB’s credit and debit card processing business, as well as its agent issuing services.  His experience spans the financial services and technology industries, in which he managed and led sales teams in initiating and expanding business relationships with companies such as Citigroup, JP Morgan Chase, Wells Fargo, American Express, and Alliance Data Corp.

Janice Savage  
Senior Vice President - Operations

Janice Savage joined TNB Card Services in 1992 and has over 30 years experience in the credit card industry. She is responsible for the operations of cardholder servicing, including the call center, security, disputes and data entry. Prior to joining TNB, she was senior vice president at United BankCard managing cardholder programs for agent banks.

Linda Tremmel
Senior Vice President - Project Services

Linda Tremmel joined TNB in 1997 with over 30 years experience in the financial services industry. Linda is responsible for the FDR system, set-up of new and enhanced products, conversions, custom reporting, special projects and VIP technical support. Prior to joining TNB, she was with Carson Finance, NTS/PHH, EDSFleet and was Director of Business Resources with National Freight.