Bill Erbey


Bill Erbey is a successful serial entrepreneur, investor and a retired public company Chairman/CEO. He is passionate about solving big problems and finding better ways of doing things. Over a period of four decades, Bill founded and scaled up companies in diverse industries, ranging from loan servicing, real estate services, mortgage services to online real estate sales and video broadcasting technology. While the industries Bill has operated in are diverse, the common theme is always about use of innovative technology to serve a large and inefficient market. Bill holds a Bachelor of Arts in Economics from Allegheny College and a Master of Business Administration from Harvard University.

Bill started his career with General Electric in 1975, continuing to serve there in various capacities till 1983. In his last role he was the President and Chief Operating Officer of General Electric Mortgage Insurance Corporation. Bill also served as the Program General Manager of GECC’s Commercial Financial Services Department and as the President of Acquisition Funding Corporation.

Bill served as a Managing General Partner of The Oxford Financial Group, a private investment partnership from 1983 to 1995. He was the Chief Executive Officer of Ocwen Financial Corporation (NYSE : OCN) a leading sub-prime servicer from 1988 to 2010 and served as the Executive Chairman of its Board of Directors, from 1996 to 2015. Bill has also served as Chairman of the Board of Directors for several other public companies, Altisource Portfolio Solutions S.A. (NASDAQ : ASPS), Home Loan Servicing Solutions, Ltd., Front Yard Residential Corporation (NYSE : RESI) and Altisource Asset Management Corporation (NYSE : AAMC).

Josh Tate

Co-CEO & Chief Legal Officer

Josh is a seasoned executive officer with more than 20 years of experience as an entrepreneur, practitioner and legal professional.

Prior to joining the System73 team, he founded and launched multiple companies in the real estate, energy and finance industries.

Most recently Josh held the position of Managing Partner at CDP Companies and provides a wealth of experience in traditional finance, tax credits and public finance.

He holds a Bachelor of Science from Kansas State University and a Juris Doctor from the University of Kansas.

Doron Paz

Co-CEO & Chief Technology Officer

Doron is a telecommunications professional with over 20 years’ experience in Last Mile networking.

He brings a wealth of experience in hardware, software and network management design from several global equipment vendors.

Doron held the position of VP Engineering at DASAN Zhone Solutions, and several engineering and senior management positions at Bell Northern Research, Nortel Networks, and Zhone Technologies.

Malcolm St John

Chief Financial Officer

Malcolm has worked in the financial services industry since 1999.

He started his career as a banker at HSBC Bank Malta plc. He qualified as a certified public accountant in 2008. He pursued his career in the funds industry after joining Apex Fund Services in 2008 with his last position held as Head of Compliance.

Malcolm has also been appointed as Director on various collective investment schemes. Most recently Malcolm was responsible for the setting up and managing of Mainstream Fund Services (Malta) Limited.

He holds an accounting degree and masters level qualification with the accreditation of the Association of Chartered Certified Accountants (ACCA).