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Our Team

Jack Zoeller


Experience: Jack has been a CEO in the financial services industry for 32 years, including at EF Hutton Indemnity, Capital Risk Management and Cordia Bancorp. He has started five new companies including Purefy since 2014, centered on the idea of simplifying and reducing financial risk. He served as Chairman of Bank of Virginia from 2010 to 2016 and stepped down recently to run Purefy.

Jack launched his finance career on Wall Street, where he quickly established himself as an innovator and leader in the early years of the U.S. derivative markets. After his selection as CEO of a new E.F. Hutton subsidiary, Jack built the most profitable line of business in that firm, and then became CEO of the largest home mortgage lender in New England.

Jack graduated first in his class from the U.S. Military Academy at West Point, served as a United States Army Ranger and infantry commander in the 82d Airborne, and holds degrees from the Harvard Kennedy School and Oxford University, where he studied as a Rhodes Scholar.

Interesting Facts: Jack has lectured at the Library of Congress and written extensively on Alain Locke, father of the Harlem Renaissance and the first African American Rhodes Scholar. He served as Chairman of Bank of Virginia from 2010 to 2016 before stepping down to run Purefy.

Bill Hubert


Experience: Bill brings over 25 years of entrepreneurial experience to the Purefy team. He has successfully built and sold multiple in-demand finance and technology businesses. His most recent company, Cology, was the technology and services backbone for over 400 of the nation’s fastest growing private student loan programs. A passionate advocate for building trust through transparency, Bill seeks to change the way business is done by setting new examples for efficiency, awareness and fun. Bill oversees growth and new partnerships at Purefy and is always eager to share ideas.

Interesting Facts: Bill is a certified chef and culinary school graduate with a strong desire for adventure. He has swum Alcatraz twice, reached the 14,505 ft. summit of Mt. Whitney during a winter storm and competed in many triathlons, including an Ironman. Currently topping his bucket list is to successfully row across the Atlantic in the Talisker challenge.

Everett McCoy

Chief Technology Officer

Experience: Everett is our chief architect and leads a team of developers to oversee, build and launch a multitude of systems. He is the founder and CEO of Practiced Strategies, which was acquired by Purefy. He is also the former co-founder and CTO of PlanServe Data Systems, acquired by SunGard and operated by FIS.

Everett has been architect and lead developer on numerous cloud-based projects across a wide variety of enterprises including governmental, not-for-profit, small business, and Fortune 500 customers. While most of his accomplishments have been in the area of financial technology integration, Everett also has a passion for making technology widely available and affordable to NGO's and non-profits.

Everett's formal training was in ministry, graduating from Texas Bible College in 1985. He has since volunteered his time to serve in various pastoral roles, and is now the Founder and Executive Director of Life Discovered and Christian World Business Exchange.

Interesting Facts: Everett resides in Cedar Rapids, Iowa with his wife and three daughters and covets any opportunity to put on a pair of waders and walk a trout stream.

Brian Attridge

SVP of Business Operations

Experience: Brian helped launch the Purefy program in the fall of 2014, and currently oversees our operations center. He brings an abundance of student loan experience to Purefy, having held leadership positions in marketing, operations, IT, and project management for several years at Campus Partners. His roles have included the originating, consolidating, and servicing of both private and federal student loans.

Brian earned his MBA degree from Wake Forest University's School of Business. He also received a BA degree from Emory University in Economics.

Interesting Facts: Brian has always been a baseball fanatic and hopes to one day see a game at every Major League and Minor League ballpark. In the fall, he can be seen traveling to college football stadiums across America. During the offseason, he enjoys traveling, reading, and exploring the burgeoning Richmond food and beverage scene.

Kelsey Radcliffe

Operations Analyst

Experience: At Purefy, Kelsey’s primary focus is guiding borrowers through the refinancing process, but she also helps implement projects and manages social media. Her background includes several jobs and internships in the music industry, most recently at Insound in New York City. She also has experience in customer support, financial services, and both print and broadcast (radio) journalism.

Kelsey graduated from Virginia Commonwealth University with a B.S. in Print Journalism.

Interesting Facts: Kelsey is an avid music fan and obsessive record collector. Most of her free time is spent going to shows and hanging out with her Corgi mix, Reggie.

Shannon Toombs

Operations Analyst

Experience: Shannon is a proven sales leader and has a background in real estate, financial services, and customer support. Before joining Purefy in 2015, Shannon worked for Citibank in New York, where she consistently ranked in the top of her department for sales and providing excellent customer service. At Purefy, Shannon manages communications logistics, project implementation, and helps out borrowers in all stages of their refinance.

Interesting Facts: Shannon is an avid sports fan. When she isn’t cheering on The Redskins, Caps, Nationals, and Hokies, she can be found at the gym, hiking, or going on long runs through the city.

Donovan Herman

Operations Analyst

Experience: Donovan has worked in sales, client management, and operations in both consumer goods and financial services. Prior to joining Purefy, Donovan worked with Bank of America Merchant Services in Richmond, VA, and Summit Appliance, a specialty appliance manufacturer in New York City. At Purefy, Donovan is an integral part of our operations team and makes sure that our customers are always happy. He is constantly thinking of ways to do things better to make sure our refinancing process is constantly improving.

Donovan graduated from George Mason University with a B.S. in Management.

Interesting Facts: Donovan is an avid traveler and recently achieved his goal of visiting all 50 states. When he’s not busy providing top notch service to his clients or planning his next adventure, you can find Donovan drawing, playing sports, or relaxing with his cat – Bill “Tom Hanks” Murray.

Evan Niciphor

Operations Analyst

Experience: Evan brings years of highly rated customer service and problem solving skills to Purefy. He works diligently to provide individualized service to his customers, and with his thorough understanding of the Purefy loan products he is able to answer the many questions that arise during the refinancing process. Evan's goal is to exceed expectations by going the extra mile to make the experience as smooth as possible.

Evan was a student athlete at Coastal Carolina University while pursuing a Bachelor's Degree in Recreation and Sport Management. After 6 years of living and working in the Myrtle Beach area, he is excited to return to his hometown of Richmond, Virginia.

Interesting Facts: When not at work, Evan can be found in the kitchen experimenting with new recipes to entertain family and friends. He also enjoys working out and taking long runs on the many trails at Pocahontas State Park.

Melissa Sawyer

Project Manager

Experience: Melissa's role at Purefy includes project management, keeping the team organized, and tasks running smoothly. Her expertise is providing the guidance and solutions companies need to grow their business with her excellent communication and organization skills. Melissa started her career in corporate finance before moving overseas where she spent five years living in both in China and Hong Kong while traveling various cities across Europe and Asia. Melissa's global perspective helped to shape her problem solving abilities and commitment to better communication in the workplace.

Melissa has been in a leadership role for a wide range of web projects and client types including small businesses, non profits, and government. Melissa manages projects with clear, efficient communication of expectations to keep projects on time and on budget.

Interesting Facts: She resides in Atlanta with her husband, daughter, and three dogs. When not managing projects, she can be found with a camera in hand. While abroad, she started her own photography business and took online courses to earn her Associates Degree and plans to continue pursuing a higher education.

Ron Phillips

Senior Software Engineer

Experience: Ron is a senior software engineer with a background that goes back 25 years, through telecom, eCommerce, and now fintech. Apart from a 4-year stint as an audio engineer, he’s been a backend systems developer with the occasional trip though website and native development. He came to us recently from Go Daddy where he spent most of his time swimming through web traffic analytics data on their emerging “big data” platforms. He is looking forward to bringing his experience to the Purefy team.

Interesting Facts: Ron is a native of the desert Southwest and now a captive of the Midwest. He is a passionate bass fisherman and will tell you that nearly every good substantial memory in his life has been on or near the water. He is a father of two who are his pride and joy, as well as his most significant achievement. He loves electric guitars, amps, and outboard gear and has been a part of a few dynamic worship bands over the last 15 years. He only knows two annual seasons, Summer and “not Summer.”

Rio Wibowo

Senior Lead Developer

Experience: Rio is Purefy's senior lead developer and is responsible for making sure everything works as it should. Rio provides front and back end web development and solutions to make sure that Purefy is always on the cutting edge of technology and innovation. Rio is also the lead analyst for our team and is an expert at tracking and analyzing data to make the most of our systems. Rio is skilled at making sure all of our systems are running smoothly and that all customer data is secure.

Rio completed degrees at Kirkwood Community College and Montgomery County Community College focusing on Communications and Computer Information Systems.

Interesting Facts: Rio is an active member of his community and brings people together through his love of board games. When not playing games or working on what's next for Purefy, he enjoys playing basketball and spending time outdoors. He is originally from Semarang, Indonesia and immigrated to the United States at 16 years old. Before moving to Cedar Rapids, he called Philadelphia his home where he fell in love with his wife, the Philadelphia sports teams (especially the Super Bowl Champions Philadelphia Eagles), and Philly Cheesesteaks. He always looks for an opportunity to go to an adventure with his wife and two children.

About Us

Purefy is a national online lender offering student loan refinancing. We started in 2014 as a product launch from a community bank and today we are a growing company with offices in Washington, DC and Richmond VA. Our mission is to help college graduates and parents get out of student debt faster. We offer low interest rates and 5, 8, 10, 12, 15 and 20-year5, 8, 12 and 15-year terms to student loan borrowers who have earned their degree and launched their careers.