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Ryan Melcher currently serves as General Counsel at cartiga° since March 2023. Prior to this role, Ryan held the position of SVP and General Counsel at Marlin Business Services Corp.® from November 2019 to March 2022. Ryan's legal career also includes serving as VP, Deputy General Counsel and Corporate Secretary at PHH Corporation from October 2013 to February 2019, and as Counsel at Lowenstein Sandler LLP from September 2004 to October 2013. Ryan began the professional journey as a Summer Associate at Buchanan Ingersoll in May 2003. Academic credentials include a J.D. from the University of North Carolina School of Law obtained between 2001 and 2004, and a B.A. in Economics from Brandeis University, completed in 2001.