Murali Subbarao
Founder & CEO

Murali Subbarao brings over 16 years of experience in high-tech industry. Previously, he was Senior Director, Strategy and Alliances, for the Financial Services Business Unit of Hewlett-Packard, developing solutions for Internet Banking, CRM, B2B Payments, and Electronic Exchanges for financial institutions worldwide. He has also served as VP of Business Development at Arula Systems, a provider of remote management appliances, and as COO at Imeco Ultrasonics.

Subbarao has an MBA from UC Berkeley, MS in Computer Science from University of Wisconsin, Madison, and B.Tech. from the Indian Institute of Technology, Chennai, India.

Allwyn Lobo
Cofounder, Vice President of Engineering & Operations

Allwyn Lobo brings over 15 years of experience managing, architecting and designing mission critical enterprise systems and delivery of Internet and client/server based services to a wide variety of businesses and markets. Previously, at Metavante Corporation Lobo led the migration effort of the entire Paytrust customer base for several large financial institutions such as Citibank, American Express and Dreyfus into Metavante’s next generation EBPP platform. He has designed and developed platforms for Internet and mobile healthcare applications at Healtheon/WebMD, for lead generation systems at Respond Networks, and for OnDemand Interactive Television at Silicon Graphics. Lobo holds a patent in Replication Server Technology.

Lobo has earned an MA in Economics from University of Pune, B. Tech from Institute of Technology, Pune, and has taken graduate level courses in Computer Science at Stanford University.

Robin O’Connell
Vice President of Business Development

As Vice President of Business Development, Robin O’Connell is responsible for building Billeo’s growing customer and partnership base, as well as expanding existing relationships with leading financial institutions. O’Connell brings with him considerable experience in the payments industry and specifically in the emerging growth area of online bill payments. O’Connell was with Visa USA for six years, where he recently served as the Director of Product Development managing the Visa Bill Payment Initiative. Prior to Visa, O’Connell was a marketing manager with an Internet start-up. His background also includes marketing and advertising experience as an Account Supervisor with McCann-Erickson and J. Walter Thompson working on worldwide brands like Nestle, Lysol and Wells Fargo.

O’Connell has a B.A. from the University of Virginia and a M.B.A. from the Kellogg Graduate School of Management at Northwestern University.

Jarlath O’Carroll
Vice President of Products

Mr. O’Carroll has 17 years experience in the Technology space. A substantial amount of his career was spent building cutting-edge products for the financial services sector, such as: Wells Fargo online banking, Charles Schwab UK electronic brokerage and Fortis online warranty program. Most recently Mr. O’Carroll worked for Deloitte Consulting - CIO Services, where he formulated IT strategies and managed the largest IT-lead change initiatives in the UK for clients including the Department of Work & Pensions, British Telecom, Department of Health and Transport for London. O’Carroll is a veteran of several Silicon Valley startups where he held Founder and Director of Engineering positions.

O’Carroll has a M.S. in Management from the Sloan Fellowship program, London Business School; and completed undergraduate studies in Computer Science at the Dublin Institute of Technology, Ireland.