CAPE’s seasoned staff provides our clients with maximum payment cost reductions, superior data security and an improved customer experience. David, Bibek, Susan, Matt and Paola have worked together for years and produce meaningful results - as a cohesive and collaborative team. CAPE’s consulting team is both personable and professional. We work closely with our clients and we listen to their thoughts and ideas. We deliver outstanding results that reduce your payment costs, improve your data security and create happier customers. We strive to make the experience we share with our clients not only financially rewarding, but also enjoyable.

David Graham

David is the founder and CEO of Card Association Payment Experts (CAPE) LLC. David began his banking and payment processing career at the Federal Reserve Bank in the 1970’s. He held various senior management positions at Barnett Bank from 1983 through 1993 when he became CEO of Intuition Inc. He remained in that position until 2003. He built and operated a members-only hunting and fishing lodge in coastal Georgia from 2004 until 2012. David was most recently Co-President and CEO of Bill2Pay from 2015 through 2017, re-engaging in payment processing. He holds an MBA from Jacksonville University.

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Bibek Das

Bibek has over 24 years of consulting and IT development experience in electronic payments. He has consulted and worked with industry leaders like PayPal, Walmart and Kohl’s. Bibek has provided consulting services and has lead teams providing software development services to Visa, Discover, FIS, Card Connect and Bill2Pay. He led enterprise-wide, multimillion dollar strategic programs at Paypal. Bibek successfully architected, developed and launched a cloud-based payment service for a start-up he founded. He holds a Bachelor’s degree In Mechanical Engineering and a Master’s degree in Systems Engineering and Management from the Indian Institute of Technology (IIT), Kharagpur, India. He is based in San Francisco.

Susan Mozo

Susan is CAPE’s new Director of Card Services. Susan has over 20 years’ experience in the financial services industry with a concentration in card processing, operations and compliance. Susan has served in multiple managerial positions with various financial service providers. Previous employers include TSYS, JPMorgan, FSV and Bill2Pay. Susan holds a BSBA in Accounting and an MBA from Troy University.


Matt Brown

Matt began his career as a financial analyst in 2009 after graduating from the University of Central Florida with a B.S. in finance. Matt served as Program Financial Analyst in government contracting until 2015 when he transitioned into payment processing and credit card analytics with Bill2Pay as a Senior Financial Analyst. Matt is currently a Commercial Finance Senior Analyst with Southeastern Grocers in Jacksonville, Florida and also serves as a consultant to CAPE as the Manager of Payment Analytics and Reporting Services.

Paola Shepherd

Paola has worked as an accountant and business manager since 2000. She holds a B. S. in Accounting from Florida State University, and an MBA and MHA from the University of Florida.  Paola served as an Administrative Health Services Resident at Shands Hospital System at the University of Florida. She currently holds the position of Director of ClienteleHealth, a concierge healthcare company. Paola established Paola Shepherd Accounting Services in 2011, providing business management and accounting services to companies throughout north Florida. Paola and her firm support CAPE’s business management needs.