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 Vice President 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.

Tomasz Jablonski’s first contribution at ABCoA was a BASIC-to-C compiler that allowed a mid-1980s migration of the first versions of company’s software from Basic to ‘C’ language. This allowed the company to expand the product line from personal computers to large multiuser servers based on various versions of UNIX. Since then, Tomasz has contributed to various ABCoA projects, including the Digital Loan Jacket and cyclCRM customer relationship management. Among other Tomasz’s accomplishments are software within the area of nuclear medicine, for radiation therapy (RADPLAN) and noninvasive measurements of Regional Cerebral Blood Flow (rCBF), development of a new UNIX compatible hard real-time operating system (System Six), and numerous Web Applications. When not sitting in front of a computer, Tomasz enjoys hiking, off-piste skiing and all forms of classical and progressive rock music.

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).

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.

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.

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.

Karolina joined the ABCoA family in January 2017 as the Human Resources Administrator. She studied Networking and Telecommunications Management at DeVry University in Pomona, California. She enjoys playing softball, golfing, boating with her friends and family, and attending live music events.

Jessica joined the ABCoA family in July 2019 as an Administrative Assistant. She is a Jacksonville, Florida native and attended Stanton College Prep School and studied Business Administration at Florida State College at Jacksonville. During her spare time, Jessica likes spending time with her adorable son and family.

Simone joined the ABCoA family in January 2019 as an Administrative Assistant. She is a Flagler College – St. Augustine alumna where she obtained her bachelor’s degree in Business Administration and Psychology. During her spare time, Simone enjoys golfing, spending time with her family, and taking her dog, Holly, for walks on the beach.

Linda joined the ABCoA family in February of 2020. Linda graduated from Andrew Jackson High School and studied Business Administration at Florida Community College at Jacksonville. Before coming to ABCoA, she worked for 27 years at Crowley Maritime in sales and as an Executive Secretary. During her spare time, Linda enjoys shopping and spending time with her grandchildren and family.

Jeno joined the ABCoA family in February 2008 as a Junior Programmer. He graduated from the University of Guam with a bachelor’s degree in Computer Science. Jeno enjoys playing video games and spending time with his lovely wife and daughters.

Jordan joined the ABCoA family in October 2018 as a Software Developer. He attended Brigham Young University where he obtained two bachelor’s degrees in Russian and Biochemistry. He also attended Utah Valley University where he obtained his third bachelor’s degree in Computer Science. During his spare time, Jordan enjoys playing tennis and the violin.

Scott joined the ABCoA family in May 2000 as a Webmaster. He graduated from the Rochester Institute of Technology with a degree in Information Technology. Scott enjoys eating an Italian meal, playing golf, watching college football, and FIFA soccer. Scott owns an adorable dachshund, Barney, who insists on being spoiled.

David joined the ABCoA family in December 2017 as a Front-End Designer. He is a US Air Force veteran and attended the Defense Information School in Fort Meade, Maryland. David is a Florida State College at Jacksonville alumnus where he obtained his bachelor’s degree in Information Technology Management. He enjoys traveling, the outdoors, learning new technologies, and art.

John joined the ABCoA family in August 2017 as a Software Developer. He is a Tallahassee, Florida native and attended Florida State University where he obtained his bachelor’s and master’s degrees in Computer Science. John enjoys spending time with his family, playing the piano for his church, attending FSU games, and playing Nintendo.

Rob joined the ABCoA family in June 2017 as a Software Developer. Rob is a Florida State University alumnus and obtained his bachelor’s and master’s degrees in Computer Science. When Rob is not coding, he enjoys spending time with his family, studying the Bible, practicing the guitar, and exercising.

Sean joined the ABCoA family in December 2018 as a Senior IT Technician. He is a US Air Force veteran originally from Flint, Michigan. During his spare time, Sean enjoys spending time with his family and 3D printing.

Anjelica joined the ABCoA family in April 2014 as an Account Specialist. She graduated from the Coggin School of Business at the University of North Florida with her bachelor’s degree in Accounting. She loves to read and write and enjoys shopping and traveling with her daughter.

Rachel joined the ABCoA family in May 2018 as an Account Specialist. She obtained her bachelor’s degree in Finance from the Coggin School of Business at the University of North Florida in 2019. She enjoys going to the beach, running, and spending time with her cat, Kona.

Hope joined the ABCoA family in November 2017 as an Account Specialist. She is an alumna of the University of Phoenix and obtained her bachelor’s degree in Supply Chain Logistics. She is also a Six Sigma Green Belt! Hope enjoys gardening, traveling, and spending time with her family.

Claire joined the ABCoA family in October 2018 as an Account Specialist. She is a Flagler College – Tallahassee alumna where she obtained her bachelor’s degree in Business Administration. Recently, she obtained her master’s degree in Finance at the Coggin School of Business at the University of North Florida. Claire enjoys playing tennis, going to concerts, and attending live football games.

Chris joined the ABCoA family in April 2016 as an Account Specialist. He is a Pittsburgh, Pennsylvania native and attended Penn State University where he studied Accounting. Chris enjoys riding dirt and mountain bikes and spending time with his family.

Scott joined the ABCoA family in September 2014 as an Account Specialist. He grew up in upstate New York before making Jacksonville, Florida his home. He enjoys spending time with his family and friends, playing video games, and going to concerts. Scott also has two rambunctious cats and enjoys collecting far too many shoes.

Bethany Rivette joined the ABCoA family in January 2020 as an Account Specialist. Bethany graduated from Sandalwood High School in Jacksonville, Florida and studied English at the Florida State College at Jacksonville. She loves decorating, interior design, and spending time with her family and pets.

Bethany Richardson joined the ABCoA family in February 2020 as an Administrative Assistant. She is a Kentucky native where she attended Berea College and studied Sociology and Spanish. Bethany enjoys photography, spending time at the beach, and having Sunday brunch with her friends.