Our Team

Our executive board has decades of expertise in both banking and software. They are fully involved in the day-to-day business operations and product development to ensure your bank has the products and services it needs to grow and serve the communities you live in.


Chuck Capel-IBT Apps CTO

Chuck Capel

Chief Technology Officer & Co-founder

Chuck Capel is the CTO and one of the co-founders of IBT Apps. With over 30 years of industry experience, he is responsible for significant movement in the banking technology space. Prior to developing the IBT Core platform, Chuck developed a banking core accounting system, PC BancPac, now owned and marketed by Fidelity (FIS) under the name “BancPac.” Currently, Chuck divides his time between two of the IBT Apps offices, Denver and Cedar Park, overseeing the product management team and the continuous development of products within the i2Suite Platform.

Mark Dittman-IBT Apps CEO

Mark Dittman

Chief Executive Officer

As CEO of IBT Apps, Mark Dittman leads our mission of setting a new standard for core processors in the Financial Services industry. As a business expert with over 30 years of experience in the financial technology space, Mark specializes in developing strategic partnerships with both clients and partners, while also simultaneously building the IBT Apps brand as the head of Sales, Marketing, and Human Resources. Mark stays proactive on industry issues by participating on several community-service and business boards in the local Austin area, along with staying active through various  financial industry associations.

Kristy Emmerich-IBT Apps Director of Compliance and HR

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 Headshot

Tara Alvarez


Tara Alvarez is the Controller 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- IBT Apps CIO

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.

Phil Layher-IBT Apps Director of Business Development

Phil Layher

Director of Business Development

Phil Layher has over 25 years of management experience working in the financial industry for large retail credit card sectors, FinTech start-ups, and early stage growth companies. As an accomplished leader in numerous executive, business development, and account management roles, Phil led client-focused teams to develop and build relationships for major brands like The Home Depot, Sears, and Sony. Most notably, Phil launched a specialty finance company from the ground up and grew it to over $75 million in receivables. At IBT Apps, Phil joins the sales and account management team in their mission to continue offering excellent customer service and support. In his role, Phil is responsible for managing new and existing client relationships and exploring opportunities for business growth. He graduated with a bachelor’s degree in business from Montana State University and currently resides in the Austin area.

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