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Michael Galvin is the founder & CCO of TOQIO, a banking enabled Saas platform. Michael is also the Managing Director of Olivo Ventures, where Michael is passionate about building businesses. Additionally, Michael has held various positions such as CEO at Go4Venture, Co-Founder at GENIAC, and Senior Manager at Accenture, where Michael led transformation programs for clients. Michael also has experience as a Non-Executive Director at companies like PetroCorner and Webhelp SA, advising on market entry strategies and business development. Michael holds a B.S. in Business Administration from the University of Florida.