Board of Directors

Joseph Arrage

Co-Founder and CEO

Joe has been a leader in the Canadian Payments industry for 20 years. Prior to co-founding Clip Money, Joe was SVP of Cardtronics (Canada), the largest non-bank ATM operator of integrated ATM and financial kiosk products, where he led all commercial functions for the company’s $180M Canadian business. For Financial Institutions, solutions include payments, card acquiring, issuing, and mobile payments. Joe’s relationships span significant enterprise organizations including Scotia Bank, RBC, CIBC, BMO, TD, and Petro-Canada. Prior to Cardtronics, Joe founded and lead one of Canada’s largest private ATM operators before selling it to Cardtronics.

John Desmond


Mr. Desmond is a Senior Audit Partner with 42 years in public accounting principally serving mid-cap public and private equity backed global companies in a wide variety of industries including manufacturing, distribution, retailing, banking and leasing companies, software and technology companies, consulting and law firms, and not-for-profit organizations. Mr. Desmond was Partner-in-Charge, Senior Audit Partner and Partnership Board Member at Grant Thornton LLP (New York & Long Island) for approximately 35 years. He has experience in risk-based auditing across all core accounting/business functions, financial reporting and internal control. Mr. Desmond currently sits on multiple Boards, including The First National Bank of Long Island and Theodore Roosevelt Counsel, Boy Scouts of America.

Peter Dorsman


Mr. Dorsman brings over 20 years’ experience in sales, marketing, and customer improvement in the financial services, retail, hospitality, travel, telecommunications and technology sectors. Mr. Dorsman retired as executive vice president, global services, for NCR Corporation in 2014, after being responsible for all of NCR’s global support services including on-site repair, depot maintenance, refurbishment, remote resolutions and outsourced managed service offers. Mr. Dorsman has served on the board of Applied Industrial Technologies (NYSE:AIT) since 2004, and served as lead independent director on the board of HD Supply (NASDAQ: HDS) prior to being acquired by Home Depot.

Jeff Gibson


Mr. Gibson has founded numerous companies and brings over 30 years’ experience in financing, acquisitions, and business development with extensive experience in the High Technology industry. Mr. Gibson is the Founder, CEO and President of J-Squared Technologies Inc., a growing Rugged Electronic Systems provider of solutions in the Military, Marine, Mining, and Transportation industries. Mr. Gibson is the Owner and President of numerous Real Estate Holding Companies managing commercial land and buildings in Ottawa, Canada. Mr. Gibson received his BASc in Electrical Engineering from the University of Toronto.

Stuart Mackinnon


Stuart Mackinnon is the Chief Operating Officer for NCR Atleos. Appointed to this role in June 2023, Stuart is responsible for the successful execution of NCR Atleos’ business operations and strategies, as well as overseeing corporate functions, including product development and management, delivery of services to customers and technology. Prior to his current role, Stuart served as Executive Vice President, ATM Group, NCR Banking, where he was responsible for the strategy and implementation of NCR’s global ATM technology and operations, including ensuring around-the-clock operational status, performance monitoring, cash management, technical and call center support and field operations.

Documents & Charters

At Clip, our corporate governance approach embraces compliant and transparent business management. While we are focused on improving our corporate value and the soundness of our business, we are also committed to responsible business principles as detailed in the documents below.

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