2026 Arizona ORBIE Awards

2026 Arizona ORBIE Awards · Enterprise Finalist

Charles Ingram

Chief Information and Operations Officer

Pathward

Charles Ingram

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Bio

Charles Ingram is EVP, Chief Information and Operations Officer of Pathward and Pathward Financial, leading Technology, Security, AI, Product Management, Strategic Banking Operations and Transformation. He joined as CIO in 2020. Previously he was Chief Product Officer at Nextiva and VP of IT at PetSmart, following leadership roles at Yum Brands, Pfizer and Wachovia. A 2022 Arizona CIO ORBIE winner, he holds an MBA from Wake Forest University and an undergraduate degree from Furman University.

Success Story

Over my tenure, Pathward transformed from a traditional functionally oriented bank into a modern, fintech sponsorship platform — repositioning the company to compete and win as a partner-driven growth engine. We modernized to an API-first, cloud-enabled architecture and introduced a standardized product development model, growing partner onboarding significantly. During the past six years, revenue grew more than 60% and earnings per share doubled. Enabling all of it, we evolved from a generalist IT organization into a fintech and AI-specialized team. We didn’t modernize IT — we built the engine that allows Pathward to scale growth to support fintech speed with bank-grade discipline.

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Beth McCormick