Management Team

Harold Montgomery - Chairman and Chief Executive Officer

Harold Montgomery is the Chairman and Chief Executive Officer of MoneyOnMobile. He has been in the payment processing business since 1987. Before leading the formation of Calpian, now MoneyOnMobile, he was the CEO of A.R.T. Holdings, Inc. (dba Calpian from 2002 to 2009), a company that underwrote and acquired hundreds of merchant portfolios totaling approximately 350,000 merchants. He brings the same leadership team from A.R.T. to MoneyOnMobile.

Montgomery has more than 25 years of payments industry experience including work in the ISO, merchant payment processing and mobile payments vertical markets, and in sourcing capital. He is a widely known industry authority, a speaker at regional and national trade shows, and writes a regular monthly column for Transaction World Magazine.

He has been a resource for the Federal Reserve Bank Card Payment Center in Philadelphia and has served the U.S. Congress as an expert witness on credit card legislation. Montgomery attended Stanford University, where he earned BA and MBA degrees. He currently serves on the Board of Trustees for the Communities Foundation of Texas, a $750 million community trust organization, and the Board of St. Mark’s School of Texas. He has served as President of the Dallas Committee on Foreign Relations and Young Audiences of Greater Dallas.


Scott Arey - Chief Financial Officer

Scott Arey is the Chief Financial Officer of MoneyOnMobile. Arey has over 25 years experience in finance since graduating from Stanford University. After starting his career at KPMG, Mr. Arey spent 10 years at Bank of America where he was the CFO of the Commercial Banking Division and the International Trade Bank. He is expert in arranging financing in many forms including credit facilities, private placements, public offerings, and project finance. Since leaving Bank of America, Arey has assembled more than $300 million in credit facilities through banks and raised more than $350 million in private placement investments from venture and private equity firms. Arey lives in Dallas with his wife, who is a Professor at Southern Methodist University.


Ranjeet Oak, Jt. Managing Director of MoneyOnMobile

Ranjeet Oak is a co-founder of MoneyOnMobile.  During his 20 years, Mr. Oak has worked predominantly in IT Training, BPO & KPO industries. His assignments include a broad spectrum of responsibilities including BPO operations, Client Servicing, Business Development, Relationship Management, and Soft Skills Training. He set up Aptech centers in Nigeria and also handled Business Development, Culture, & Franchisee Network Management for them. Being a certified Six Sigma expert, he implemented various quality initiatives everywhere.  Mr. Oak is a Commerce Graduate from Mumbai University and a Certificate in Software Engineering.


Will Dawson - Chief Operating Officer

Will Dawson is the Chief Operating Officer of MoneyOnMobile. Mr. Dawson has over 20 years of experience in the technology industry. Prior to MoneyOnMobile, Mr. Dawson was the Chief Operating Officer at a MasterCard and Smart Communication joint venture, which created mobile money ecosystems in Asia, the Middle East, Africa, and Latin America. Mr. Dawson rolled out mobile money solutions in Turkey with the largest mobile operator and two banks, and in Egypt with the Central Bank of Egypt, a mobile operator, a bank, and a bill payment aggregator. He earned a Bachelor of Science in Mechanical Engineering and a Bachelor of Science in Economics from the University of Pennsylvania, and an MBA from London Business School.