About PayForward Meet The Team

Who We Are

PayForward has been a pioneer in financial technology platforms for over 10 years and we continue to drive innovation in the healthcare industry, and maximize outcomes for our clients. We pride ourselves on delivering premium, white-glove service and creating meaningful value for our clients, uncovering new revenue potential through strategic benefits administration.

  • 3M+ Members
  • 54+ Programs
  • 100% Client Retention

Meet Our Executive Team

Armando

Armando Rand

Chief Executive Officer and Co-Founder

With over 17 years of executive leadership experience, Armando co-founded PayForward to bring faster, smarter financial solutions to the healthcare space. His deep operational expertise ensures that clients benefit from a fintech partner focused on innovation, accountability, and long-term growth.

Ronnie

Ronnie Silos

Executive Vice President and Co-Founder

Ronnie brings over three decades of software architecture expertise to PayForward’s technology platform. Having developed enterprise-grade systems for Fortune 500 companies, he ensures that clients benefit from a secure, scalable infrastructure built for real-world healthcare and financial demands.

Dan Chambers

Executive Vice President and Chief Revenue Officer

Dan brings more than 25 years of sales leadership to PayForward, including 8+ years helping meet the needs of our premium healthcare clients. He understands the needs of health plans and is committed to building high-impact partnerships that support client growth, compliance, and member engagement.

Jim

Jim Saltmar

Vice President, Product Development & Compliance

Jim oversees the design and compliance of PayForward’s healthcare-focused payment solutions. With 35+ years in large-scale global information systems and past executive roles at Citigroup and Korn/Ferry, Jim ensures every implementation meets rigorous standards for regulatory alignment, data integrity, and client-specific needs.

Jacqueline

Jacqueline Collard

Chief Marketing Officer

Jacqueline leads PayForward’s marketing, UI/UX, and customer service strategy, helping clients deliver seamless, engaging member experiences. With 20+ years in B2B and B2C marketing, including roles at The Walt Disney Studios and PureBeauty, she ensures that every PayForward solution drives both adoption and satisfaction.

Vijay

Vijay Mandalam

Chief Operating Officer and Chief Technology Officer

Vijay leads PayForward’s technology and operations with a sharp focus on innovation, performance, and client success. He has launched digital payments and banking solutions at Green Dot, Hulu, and GMAC — and now helps healthcare clients leverage PayForward’s platform for better efficiency, compliance, and member outcomes.

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Kimberly Hall

Vice President, Implementation & Program Management

Kim leads PayForward’s implementation and program management teams, ensuring smooth onboarding for new and returning clients while providing ongoing program support. With over 25 years of experience in health insurance and treasury operations—including roles at Blue Cross Blue Shield—she collaborates across departments to deliver successful launches and build strong, trusted client relationships.

Becky

Becky Muro

Vice President of Product Management

Becky leads the development of PayForward’s platform products, driving strategy and implementation across mobile and SaaS solutions. With over a decade of experience in digital banking and payments, she brings deep expertise in building tools that help partners and members achieve their financial goals.

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