MK Decision

We're Leveling
the Playing Field

MK Decision is democratizing digital account opening and lending for community financial institutions of all sizes. By facilitating quality deposits and loans within communities, MK strengthens local economies and helps them thrive.

Empowering Financial Institutions Everywhere

MK is a financial technology company that supports community banks, credit unions, and finance companies with a modern loan origination and deposit account opening system. MK works tirelessly to address the problems faced by financial institutions due to paper applications, antiquated websites, and manual processes.

MK's Management

Our team is driven by a common goal—to acquire more deposits and more loans for our customers. Passionate and strategic, MK’s leaders inspire and guide our people to think outside the box and create incredible products.

Founding Team

Family founded by the Khalsas: Har Rai, Guru Dharam, and Jodha, MK is an established FinTech dedicated to serving communities with our online deposit account opening and loan origination platform. Together with our customers, we build innovative technology to transform the way local communities bank.

Har Rai Khalsa

Har Rai Khalsa

Chief Executive Officer

As CEO, Har Rai Khalsa is leading MK to become the new standard in digital account opening and loan origination. His vision is to empower financial institutions and strengthen local economies through innovative banking technology.

At MK, we see community financial institutions as the backbone of our national economy, which is why we’re committed to supporting them with our world-class technology and team.

Prior to founding MK, Har Rai spent a number of years at Service Finance Company leading the growth team. With his expertise in sales and business development, the home improvement finance company increased its yearly loan volume from $97M to $2B. Har Rai holds a Bachelor of Arts in Sociology and Anthropology from Lewis and Clark College.

Guru Dharam Khalsa

Guru Dharam Khalsa

Chief Operating Officer

As COO, Guru Dharam Khalsa leads MK’s Product Development and Software Engineering teams to provide financial institutions with high quality SaaS products. Guru Dharam is determined to bring user-friendly financial technology to the hands of customers worldwide.

It’s exciting to be able to shape the future of banking technology and help financial institutions focus on building relationships with their customers.

Guru Dharam's previous titles include CEO of 108 Solutions and Financial Analyst at Khalsa McBrearty Accountancy. During his time at 108 Solutions, Guru Dharam leveraged his 10+ years of experience in the finance industry to develop his first cloud-based loan origination platform. Guru Dharam holds a Bachelor of Applied Science in Entrepreneurship and Finance from Babson University.

Jodha Khalsa

Jodha Khalsa

Cheif Financial Officer

In his role as CFO, Jodha handles the accounting, financial modeling, and budgeting at MK. Jodha has over 35 years of professional services experience in tax preparation, tax reviews, and financial audits.

The intersection of finance and technology is directly impacting consumers and businesses globally. At MK, we keep the end user at the heart of every product we build to ensure it creates the maximum impact.

Jodha earned his Bachelor of Arts in Economics from Harvard University and holds a PhD in Accounting from Arizona State University. In 1984, he founded Khalsa McBrearty Accountancy, LLP and currently works with financial institution clients, such as Service Finance Company.

Executive Team

Mostafa Raddaoui

Mostafa Raddaoui

Chief Information Officer

Jon BenAmoz

Jon BenAmoz

Chief Revenue Officer

Jacquelyne Crockett

Jacquelyne Crockett

General Counsel &
VP of Compliance

Ayman Abi Abdallah

Ayman Abi Abdallah

VP of Engineering

LEADERSHIP TEAM

Tim Petrone

Tim Petrone

Lead Backend Engineer

Anthony Villanueva

Anthony Villanueva

Quality Assurance Lead

Andrew Hwang

Andrew Hwang

Product Lead

James Bowles

James Bowles

Creative Lead

Molly Irelan

Molly Irelan

Human Resources Coordinator

Newsroom

The financial industry is taking notice; get the latest on MK Decision in one centralized place. With so much growth, you’ll want to stay informed.

Community Banking

MK Decision Introduces Digital Account Opening

MK Decision's online account creation platform helps community financial institutions seamlessly open deposit accounts for their customers.

Read the story

Credit Cards

MK Decision Partners with First Bank of Alabama to Deploy Industry-Leading Credit Card Origination System (CCOS)

Read about MK's partnership with First Bank of Alabama to revolutionize their credit card program.

Read the story

MK Around the Nation

Headquartered in San Diego, with offices in Phoenix, AZ and Fort Lauderdale, FL, MK Decision aims to service financial institutions all over the country.