Philip has a long history of working within the payments industry and a solid record in building new companies. He has acted as the Executive Chair and Managing Director of T24 since establishing the company back in 2006.
Prior to establishing T24, Philip was with Nasper/MIH, a large South African and International Media Group, and was responsible for all existing and new technology and media for Naspers.
Grace has a degree in Business Studies from the Hong Kong Polytechnic University.
Grace joined Transact24 shortly after its inception in September 2006 to assist with setting up and running Credit Card Acquiring operations.
After a short leave of absence, Grace re-joined Transact24 as Acquiring Manager. Grace expanded the Transact24 acquiring capabilities to include various payment options.
Grace speaks fluent Chinese, Japanese and English and currently heads up all Acquiring in the APAC region.
Having graduated from Umea School of Business and Economics at the University of Umeå in 2005, he has been working in the payments industry ever since, moving from Stockholm to Hong Kong in 2007 to be part of the formation of Transact24 in Hong Kong.
Having had several roles within the Group, Erik is now Head of Transact24 Prepaid Cards division, responsible for department performance, development and strategic profile.
Richard is an entrepreneur by nature with broad exposure in international arenas.
In 1996, Richard started his formal career founding an IT business, which he rapidly grew and used as a base to start taking positions in other IT companies. The most notable of these was the position he took up in ITEX, which managed more than 30,000 card payment (‘POS’) terminals for one of the large South African banks.
Richard took a sabbatical from the IT industry in 2005 and bought into a defence manufacturer, Milkor, in 2006. The company performed very well under Richard’s management as CEO. He exited his executive position in 2009 to pursue other opportunities and interests, including investment into several manufacturing businesses.
In 2014, Richard joined Transact24 to head up the Credit Card Acquiring business unit.
Christoff Fourie has been with Transact24 Limited since 2008.
Christoff and his Prepaid operations team looks after the daily VISA prepaid card operations based in Hong Kong. They service all Prepaid Card Clients processing applications, facilitating the loading of cards, Implementation and go-live of new functionalities related to CardDirector. His team also looks after the operational aspects related to the T24 Union Prepaid card.
His ACH team based in South Africa and Hong Kong respectively manages all aspects related to the ACH payment processing business unit focusing on the US based market.
Ernest Lau has been working within the payment industry since the inception of e-Commerce.
As a result, he’s witnessed first-hand the evolution of online payments, from transaction processing via electric data capture (EDC) terminals, to full-blown Internet Payment Gateways that connect various card acquiring institutes.
He possess extensive knowledge on system architecture for transaction processing systems and keeps abreast with the latest payment technologies, apply them in practice to the betterment of Transact24’s own proprietary systems and technologies.
Ernest is a techie at heart, but also a great communicator with a knack for problem solving, making the integration of your own systems with ours a straight forward, painless process.
Josephine Wu has been with Transact24 Limited since 2008.
She and her team prepare all the accounting work for the Group and work with external auditors and tax advisors in the preparation of audited financial statements and tax returns.
She also works with each business division to prepare merchants account reconciliation and settlement, and assist merchant with account statements and system interface.
B.Com LLB LLM Honours in Business & Administration MBA (cum laude)
George is the founding member of George Rautenbach Attorneys Incorporated, a focussed South African corporate and commercial law firm, based in Pretoria, South Africa.
George is a specialist corporate and commercial attorney, admitted in the High Court of South Africa. He is also an experienced business rescue practitioner, transactional advisor and deal negotiator. George has successfully structured, negotiated, concluded and procured funding for various high value commercial transactions. He has also through negotiation resolved various complicated and sensitive corporate legal and financial disputes, nationally, internationally and on the African continent.
Following his admission as an attorney, George pursued various commercial- and property investment opportunities. George co-founded Gatekeeper Asset Management with Martin Venter. Gatekeeper was the appointed development manager of the prime Val de Vie Wine and Polo Estate development in the Western Cape, South Africa. At the annual International Property Awards in Dubai in 2013 and 2014, Val de Vie won various awards, amongst others the prized 5-star award for Best Development, Multiple Units and Best Leisure Development in South Africa.
Theo Haarhoff is a non-practising advocate of the High Court of South Africa. He served as legal adviser for Old Mutual, during which period he obtained membership to the Institute of Life and Pension Advisers by successfully completing the required examinations.
Theo elected to use his experience and legal background as a foundation from which to pursue a career in business and started his own independent brokerage, which he built to a very successful brokerage. Theo later went on to pursue numerous investment opportunities, which inter alia included pursuing selected investment opportunities within the property market and later joined the property development company Gatekeeper Asset Management.
In 2014, Theo joined Transact24 and is responsible for operations jointly with Richard Potgieter, as well as being responsible for compliance related to the Credit Card Acquiring business unit.
Marc has degrees in mathematics and law and is a dually qualified lawyer in Germany and the UK. After some time in private practice, he has worked for many years in the payments and fintech sector, holding legal and compliance positions within banks, insurers and payment services providers.
He is interested in the intersection of technology, financial services, data protection and compliance. He has co-founded a company developing products around customer verification and compliance automation.
Marc has joined Transact24 to head the compliance and AML functions of the business.
Chris Telfer is a digital marketing and design professional who has been working within the world of dot com for over 9 years and has been with Transact24 since joining back in 2013.
He is responsible for digital marketing across the company, working to promote both our business lines and brands.
In addition to his marketing role he also has as a hand in the design, development and direction of corporate image for the company as a whole, being responsible for our websites, presentations and other marketing collateral requirements.
Michael joined Transact24 as Processing Manager in 2010. One year later his responsibility changed to include the handling of prepaid cards processing and subsequently was promoted to manager of our operations team.
Before joining T24, Michael gain experience over several years from numerous different industries such as banking, telecommunication, network marketing, and insurance fields and mainly responsible for manage the client’s application, account payment, settlement, and reconciliation duties.
Freda Ho is the HR & Admin Manager at Transact24. She graduated from the University of Florida, with bachelors degrees in Statistics, minor in Business Administration and Actuarial Science.
After graduation she moved back to Hong Kong and joined Transact24 in year 2010 as an Administrative Assistant. She has 5 years solid experience in the human resources and administration field.
She is responsible for working with the management team in recruiting, compensation performance management, employee compensation, benefits and more.