Shad is Founder and Chairman of ABCoA, Inc., a company he founded in 1983. A pioneer in the BHPH technology industry, Shad created both the AMS and Deal Pack softwares, in addition to more than 54,000 programs over the past 35 years. He patented credit inquiry and reporting via the Internet, worked with Tom O’Connell to discover the IRS loopholes that made the Related Finance Company possible, and has never lost an IRS litigation. Mr. Hedy programmed for various industries – healthcare, public accounting, construction, automotive, and financial services. He realized the need for automation and standardization in the used car industry after working with a prominent car dealer in North Florida. With a focus on total solutions and superior service, Mr. Hedy created AMS, a Unix-based application that debuted in 1983, and Deal Pack, a Windows-based software that launched in 2000. Mr. Hedy leads the strategy and growth of ABCoA and continues to develop industry standards. He holds a Bachelor’s of Arts degree in Accounting and a Bachelor’s of Science degree in Computer Science from the University of Florida and Jones Business College.

Jonathan Hedy is a native of Jacksonville, Florida, and the son of Shad and Evelyn Hedy. As President, Jonathan oversees daily operations and major initiatives, while developing the strategy and driving performance, of ABCoA and its subsidiaries. Jonathan has held roles in every department at ABCoA, where he learned each aspect of the company, the industry it promotes, and customers it serves. He has two decades of experience in the automotive, finance, and technology industries - a period which relocated him from Jacksonville to San Francisco and Manhattan. Jonathan's interest in the subprime finance community drives his desire to make positive contributions consistent with the community's founding principles and long-term interests. Jonathan has always balanced an open mind with respect for tradition, an ability to discover new solutions with the decisiveness and consistency to achieve results. Awarded "30 Under 30," recognized by two U.S. Presidents, and Member of the National Society of Collegiate Scholars, Jonathan graduated from the University of Florida with a bachelor’s degree in accounting. Jonathan is a frequent speaker at industry compliance and technology conferences.

Evie is Director of Marketing at ABCoA, Inc. She has managed the company’s marketing and sales channels since 2001. Prior to this role, Evie worked as the marketing executive secretary with Burns and Roe, then moved to marketing assistant at Crowley American Transport, where she was rapidly promoted to the customer service then telemarketing sales departments. Mrs. Hedy began with only a single Deal Pack customer in the state of Georgia. Today, her territory spans 48 states and six countries worldwide. Support after the sale is imperative to Evie, and she takes pride in knowing that the ABCoA team stands behind her all the way. Evie holds an Associate’s degree from Jones Business College.

Jillian joined the ABCoA family in July 2011. She grew up in Jacksonville, Florida as a 4th generation Floridian and is a graduate of Florida State Community College. She loves spending time with her family (husband, 2 sons and 3 dogs), fishing, traveling, watching football, cooking and spending time with friends.

Sammy Rabiei joined ABCoA in 2005 and acts as Product Manager, a function designed to intersect business, technology, and user experience. Sammy is a graduate of the University of North Florida and is a double major in Finance and Accounting.

Amir has been with the company for combined 12 years. He played the violin professionally for 13 years and was a member of the Jacksonville Symphony Orchestra at the age of 18. He loves fishing and the great outdoors.

Paul joined the ABCoA team in September 2001. He has spent the last 30 years in the Information Technology community working as an IT Manager in the finance community and proudly served his country in the United States Navy. He is a Microsoft Certified Systems Engineer with vast experience in all aspects of the Information Technology field. Paul is married to his wife of 24 years with one child. He enjoys the outdoors and is an avid fisherman. He has also been known to enjoy a fine cigar with an aged whiskey.

Chunghwan has worked as a programmer at ABCoA since 1998. His academic background is electrical/computer engineering and he has a master degree in it. He enjoys living in Jacksonville with his family and likes fishing and traveling widely. Important aspects of his life include God and family (wife, one daughter and puppy).