An experienced and passionate management team that is dedicated to creating a banking experience you can love.

Jay Sidhu

Chairman & CEO

Jay Sidhu serves as the Chairman and CEO for BankMobile and Customers Bank, a $9+ billion asset bank with headquarters in Wyomissing, Pennsylvania. He has an extensive and recognized background in banking. Prior to joining Customers Bank, he served as the Founder, Chairman and Chief Executive Officer of Sovereign Bancorp Inc. There, he grew the organization from an Initial Public Offering of $12 million to a market cap approaching $12 billion, crediting it as the 17th largest banking institution in the country.

what jay does for fun

Jay likes to read, travel, play golf, spend time with family, chill out and occasionally cook on the grill for them.

Luvleen Sidhu

Co-Founder & Chief Strategy Officer

Luvleen Sidhu is the Co-Founder & Chief Strategy Officer at BankMobile and the Director & Founder of the BankMobile Foundation. Prior to her current role, she was a management consultant at Booz & Co. in their financial services practice. Before attending business school at Wharton, she worked as the director of corporate development at Customers Bank. While at the company, Sidhu introduced several growth projects, including partnering with a New York City-based start-up to improve the banking experience through innovative technology.


Luvleen likes to travel, read, cook, meditate, and spend time with family and friends. She also has interests in fashion, health and wellness, and of course, being an entrepreneur!

Dan Armstrong

Chief Digital Officer

Dan serves as the Chief Digital Officer of BankMobile.  Prior to BankMobile, Dan worked on launching successful mobile banking and payments products for Dutch bank Rabobank (€771 bln), as well as other large banks in countries like Brazil, Rwanda, Paraguay, China, India, Tanzania, Mozambique, Poland, Botswana, Zambia and Cameroon – having worked in 40+ countries. Dan has distinctive expertise in developing new products, technologies and distribution strategies that accurately match technology with consumers’ needs, instant-account opening and correspondent banking, telecommunications, NFC, alliances, regulatory, feasibility and automation programs.


In his free time, Dan is an accomplished experimental electro-acoustic musician with 9 albums under his belt and almost a hundred concerts throughout Europe, North America and Asia. He has spent time as a volunteer director of non-profit wildlife rehabilitation centers on the Kenyan coast and has set up non-profits dedicated to ensuring access-to-space launch facilities for developing markets. He also enjoys golf.

Kirk Barrett

Chief Technology Officer

Kirk has been the catalyst and tech-visionary for state and local governments, Fortune 500’s and start-ups. Kirk helps to transform raw business ideas into polished, fully-operational, high-value intellectual property to be operated, marketed or sold. Kirk specializes in assembling, motivating and empowering near-magical innovation teams to ensure extraordinarily high output and high quality of mass consumer technologies. Kirk blends sales, marketing and design acumen, software development, and leadership skills to greatly accelerate a start-up’s success and time to market.


Kirk is a seasoned workaholic, but he allows quality time for two boys and his wife, a farmette full of animals, electronics projects, boating and a little bit of sleep.

Lutz Braum

Chief Marketing Officer

Lutz is a seasoned marketing executive with over 20 years of experience in financial services, with deep expertise in digital marketing, consumer engagement, and direct marketing. He has a successful track record of increasing revenues and profits for business units, start-ups, and products, both domestically and internationally, with innovative marketing strategies, effective team leadership and clear vision.  He thrives on leveraging data, insights and segmentation to scale opportunities from ideas to experiences that influence millions.


Lutz is an avid amateur photographer whose works have graced album covers, billboards, office buildings and magazines. He loves tennis, rock climbing, and his family (not necessarily in that order).