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Toby Sembower is the Founder at CardRates.com. Prior to their current position, they were the General Manager of the Consumer Finance division at Oversee.net from January 2010 to December 2011. There, they managed partnerships, website development, SEO, SEM, and P&L for the consumer finance vertical. Before that, Sembower owned and operated NewVenture Corporation, an online marketing firm specializing in the consumer finance vertical, from January 2004 to December 2009 when it was sold. From January 2002 to December 2003, they provided freelance online marketing consultations to a variety of clients in the finance, retail, industrial, and health supplement industries. Sembower's career started as a Web Marketing Specialist at SAE International from January 2000 to December 2001.

Toby Sembower's educational career includes a Bachelor of Science in Public Relations and Business Administration from the University of Florida.

Some individuals on their team include Adam West - Managing Editor, Lillian Guevara-Castro - Content Editor, and Matt Walker - Industry Analyst.