Chuck Capel

Founder & Senior Advisor to the CTO

Chuck Capel is the founder of IBT Apps and Senior Advisor to the CTO. With over 40 years of industry experience, he is responsible for significant movement in the banking technology space. Prior to directing the development of the IBT Core platform, Chuck developed the first widely accepted Windows-based core banking system. As the Senior Advisor, Chuck focuses on designing industry-leading banking solutions and engages with customers to support further product development. He also actively contributes to the IBT Apps’ long-term vision and guides IBT Apps’ strategic initiatives, ensuring we leverage technological advancements in the current market.

Mark Dittman

Chief Executive Officer

Mark Dittman, as CEO of IBT Apps, focuses on developing strategic partnerships that enhance the services provided to community financial institutions. With over 30 years of experience, Mark is dedicated to fostering collaboration with clients and industry partners to drive innovation and growth. He oversees mergers and acquisitions for the financial services portfolio of companies, ensuring strategic alignment and expansion. Mark remains actively involved in organizations that support community financial institutions, participating in numerous community-service and business boards in the Austin area, as well as engaging with various industry associations. Internally, Mark empowers the IBT Apps team to consistently uphold and exemplify the company’s core values in their commitment to serving financial institutions nationwide.

Kristy Emmerich

Director of Compliance & Human Resources

With 20 years of experience in the banking industry, Kristy works alongside our board members to ensure our company is compliant with all regulatory and compliance related items. This includes ensuring our company is current with regulatory guidelines, internal compliance, and that vendor relations are prioritized. As the liaison for all employee relations, Kristy implements the culture, systems and training that develop key qualities needed amongst our staff. Her focus on improving internal processes and building an environment at IBT Apps that encourages employee retention and advancement, contributes to the culture and values within our company.

Tara Alvarez

Director of Finance

Tara Alvarez is the Director of Finance at IBT Apps and ensures the accuracy of all financial reporting, along with assisting the CEO with strategic fiscal planning. With 20 years of financial industry experience, her career spans both front and back-office roles, including three years as IBT Apps Support Manager. She attended the University of Texas at Austin School of Civil Engineering, earned a Bachelor of Science degree from the University of Phoenix, and achieved her Master’s in Business Management from Texas A&M Corpus Christi, graduating with honors.

Tara is as passionate about the successful future of grassroot financial institutions as she is about numbers.

John Cortez

Chief Information Officer

John Cortez is the Chief Information Officer of IBT Apps.  With over 25 years of experience in Information Technology and Cybersecurity, John is responsible for leading all technology, infrastructure and security services, including IBT’s Managed Network Services offering.  Before joining IBT, John served in multiple technology leadership roles at several fortune 500 companies and currently holds numerous IT and cybersecurity industry certifications. John attended the University of California Irvine and holds an Executive MBA from Pepperdine University.