The olive.com® difference
Shaking up the industry
With no waiting periods or inspections required, olive.com® is in the business of helping people live life covered with affordable vehicle repair plans. These plans cover mechanical failures after the manufacturer’s warranty has expired.
In an industry known for using robocalls and shady sales tactics, olive.com® is shaking things up for the greater good. We believe everyone deserves budget certainty from a company that has their back because, after all, vehicle breakdowns are 50x more likely than car accidents.
At olive.com® , we protect your vehicle and your wallet against expensive auto repair bills! Our goal is to be transparent with potential buyers, while providing you with valuable information, and never rushing your purchasing decision.
By providing affordable vehicle repair plans that can be purchased and managed 100% online, olive.com® helps customers adventure with confidencetm.
Quote & buy 100% online
No robocalls (ever)
Plans for every budget
Fixed rates for the term
Month-to-month pricing
We keep good company
Who is olive®?
olive.com®, the leader in payment services and online vehicle protection plans, was built to give customers peace of mind. Vehicle protection plans cover mechanical failure of the vehicle after the manufacturer’s warranty has expired. olive.com’s digital platform has created a wave of new consumer buyers to the vehicle protection plan market with over 59% of its customers being first-time buyers. Consumers are now able to buy a vehicle protection plan, on their own terms and in the comfort of their home through olive.com®. This digital platform lets consumers buy direct, with no pressure, the way they want to buy, giving them an assortment of coverage and deductible options that are convenient and fit their budget. olive.com® gives consumers products that are approachable, affordable, transparent, and user-friendly – real choice, all-digital at any time day or night.
olive.com® takes transparency seriously, and as a customer-informed product provider, seeks to offer the best coverage for car owners. olive.com’s products, customer service, and reputation for excellence have earned it an A+ rating with the Better Business Bureau (BBB) and partnerships with leading insurance companies and globally recognized brands. With no inspection or waiting period, and plans for every budget, olive.com® is in the business of helping people live life covered. PayLink Direct, the payment services division of olive.com® , is one of the largest financial service providers of payment plan programs and transaction processing. It is a leading financial services company that specializes in providing interest-free payment plans for the purchase of service contracts for vehicles, RVs, homes, commercial trucks, and other products. Since the company’s inception in 2006, PayLink’s high-performing infrastructure has processed four million service contracts and originated $11 billion in receivables.
Rebecca Howard
Founder and CEO,
PayLink Direct and olive.com®
Rebecca Howard is the Founder and CEO of PayLink Direct and olive.com®, affiliated businesses and leaders in payment services and online vehicle protection plans, headquartered in Chicago, IL, and serving the US and Canada. Rebecca brings with her 22 years of experience and leadership in the vehicle protection plan industry.
In 2006, Rebecca founded PayLink Direct, and under her leadership, the company has secured the largest market share in payment services. PayLink Direct has a 15-year track record of profitability and has processed more than four million service contracts – over $11 billion of originated receivables – since the company’s inception.
In 2019, Rebecca launched olive.com®, a digital vehicle protection plan platform built to give consumers peace of mind. olive.com® lets consumers buy direct, with no pressure, the way they want to buy, giving them an assortment of coverage and deductible options that are convenient and fit their budget. This digital platform has created a wave of new consumer buyers to the vehicle protection plan market, with over 59% of its customers being first-time buyers.
Prior to founding PayLink Direct and olive®, Rebecca led the growth and development of the vehicle service contract financing business for Mepco Insurance Premium Financing. She oversaw the company’s sales, marketing, and operations functions.
Rebecca holds a Bachelor’s Degree in Commerce and Business Administration from the University of Michigan’s School of Business and resides in Chicago with her husband and two children.
Justin Thomas
President and COO,
PayLink Direct and olive.com®
Justin Thomas is President and Chief Operating Officer of PayLink Direct and olive.com®, affiliated businesses and leaders in payment services and online vehicle protection plans, headquartered in Chicago, IL, and serving the US and Canada. Since he joined in 2019, Justin has been focused primarily on strategic execution and growth for the companies.
Justin is a protection plan industry veteran, having spent over 18 years working for some of the largest providers and insurers in the world. Additionally, Justin has experience across a variety of consumer product segments and has successfully scaled multiple businesses and divisions throughout his career.
Before his current role, Justin was the President of Global Financial Services & U.S. Automotive National Accounts at Assurant (AIZ). Prior to this, he held various positions at The Warranty Group from 2007 to 2018, most recently serving as Executive Vice President, TWG Specialty Solutions.
Justin received a Bachelor of Arts in Communications with a dual minor in Marketing and Management from DePaul University.
Armon Withey
Chief Financial Officer,
Paylink Direct and olive.com®
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Armon Withey is Chief Financial Officer of PayLink Direct and olive.com®, affiliated businesses and leaders in payment services and online vehicle protection plans, headquartered in Chicago, IL, and serving the US and Canada. Armon is responsible for all financial functions, while also maintaining the company’s banking relationships and supervising the company’s operations team.
Armon brings over 25 years of financial experience to the companies. He has been with PayLink Direct and olive.com® since 2008, first joining as VP of Accounting and Controller before becoming CFO in 2014.
Prior to this, Armon was a director of finance for Level 3 Communications, a multinational telecom and internet service provider, from 2006 to 2008. Armon previously served in leadership roles on the accounting team of Looking Glass Networks, a start-up telecom service provider, prior to its acquisition by Level 3 in 2006.
Armon has a Bachelor of Science in Accountancy from the University of Illinois and passed the CPA exam in the State of Illinois.
Brett Beckerman
Chief Information Officer,
Paylink Direct and olive.com®
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Brett Beckerman is Chief Information Officer of PayLink Direct and olive.com®, affiliated businesses and leaders in payment services and online vehicle protection plans, headquartered in Chicago, IL, and serving the US and Canada. Brett oversees all technology behind PayLink Direct’s payment services and online vehicle protection plans for olive.com®.
Since joining the company as CIO in 2008, Brett has been a visionary leader for using technology to satisfy both consumer and internal needs.
Brett has nearly 30 years of leadership experience serving in senior technology roles, predominantly in the financial services industry. Brett has created technology departments from the ground up with various organizations, prior experience in bringing organizations public, has instituted various internal compliance regulations to conform to PCI, SOC, SOX, etc., and has gone through due diligence, and M&A experience to combine the technology footprint of multiple entities into one. Prior to this, Brett was Vice President of Technology at Dovenmuehle Mortgage, where he was responsible for all technology for the mortgage loan sub-servicer and created a technology vision to provide enhanced services to his client base. Brett has also spent a number of years within the sub-prime auto lending industry creating customized proprietary, and hybrid, based payment processing, and credit scoring application solutions.
Brett holds a Bachelor of Business Administration in Management Information Systems from California State University, Long Beach.
Alejandro Cabrera
Chief Experience Officer
olive.com®
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Alejandro Cabrera is Chief Experience Officer of olive.com®. He is responsible for overseeing every facet of the customer journey to continually improve and deliver a better product customer experience.
Alejandro is an upbeat and dynamic marketing technology entrepreneur. A business leader with 20 years of experience in startups and large publicly held companies, he has planned and led strategic marketing at Amazon, Microsoft, Zynga, Procter & Gamble and Coinstar.
He has co-founded two technology startups, most recently Uproar.car, acquired by olive.com®, with a focus on disrupting the antiquated business practices of the auto warranty industry, and Bevyup.com, acquired by Nordstrom, with a focus on personalizing the in-store and online shopping experience for various retailers.
Alejandro is a U.S. Marine Corps veteran who served as an Infantry Leader during Operation Desert Shield. He has a Bachelor of Arts in Economics and International Relations from Boston University and a Master of Business Administration in Marketing from Northwestern University Kellogg Graduate School of Management.
Mauricio Cuevas
Chief Innovation Officer
olive.com®
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Mauricio Cuevas is Chief Innovation Officer of olive.com®. He oversees the implementation of new ideas and disruptive innovations through long-term and growth-oriented strategies.
Mauricio has co-founded and served as CEO in technology startups, most recently Uproar.car, acquired by olive.com® in 2021, innovating in the auto warranty market by offering a 100-percent digital, subscription-based experience and Bevyup.com, acquired by Nordstrom in 2018, a Software-as-a-Service platform providing advanced digital selling tools and insights for retailers.
Mauricio is passionate about growing technology companies and has over 20 years of experience. His leadership roles include senior leader at Microsoft, responsible for Bing.com international product management, managing partner at S4N.co (acquired by EPAM in 2020), an engineering and software development firm for the world’s largest retailers, insurance companies, and airlines. Mauricio has also several senior finance roles for Liberty Mutual.
Mauricio is on the Board of NPH USA, which supports homes, health services and educational programs for vulnerable children in Latin America and the Caribbean. He has a Master of Science in Finance and Economics from Boston University.
Mike Wymard
Chief Product Officer,
olive.com®
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Mike Wymard is Chief Product Officer of olive.com®. He leads all areas of the firm’s product development and management, focusing on maximizing product value, building and maintaining a robust product catalog, and developing innovative solutions for consumers’ protection needs.
Additionally, Mike manages all third-party administrative relationships and explores new partnership opportunities. Mike is an analytical and creative thinker who has spent his 15+ year career focused on insurance and warranty products and solutions at public and privately-owned companies globally.
Previously, he held roles at JM&A, The Warranty Group, and Assurant before co-founding Servicecontract.com and an affiliated international technology company. Mike has built and overseen teams of all sizes while maximizing efficiency and growth.
Mike has a Bachelor of Science in Finance and Marketing from Duquesne University and a Master of Science in Accounting from Purdue University. He resides in Chicago with his wife and two sons.
Christine Galatte
Executive Vice President of Customer Success,
Paylink Direct and olive.com®
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Christine Galatte is Executive Vice President of Customer Success of PayLink Direct and olive.com®, affiliated businesses and leaders in payment services and online vehicle protection plans, headquartered in Chicago, IL, and serving the US and Canada. In this role, Christine creates an industry leading customer experience by enhancing operational processes and seeking strategic solutions that support the businesses’ products and services.
Since joining in 2007, Christine has overseen contact center activities for customer service, client service and dealer service, including client onboarding, ongoing relationship management, all customer communication channels and customer retention.
Christine brings over 30 years of operational and strategic experience to the business. Previously, she was Director of Bank Operations and Payment Strategy for Discover Financial Services.
Christine has a Bachelor of Science in Finance from Northern Illinois University and a Master of Science in Communication and Media Studies from Northwestern University.
Kevin Hovis
Vice President, General Counsel and Corporate Secretary,
PayLink Direct and olive.com®
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Kevin Hovis is Vice President, General Counsel, and Corporate Secretary of PayLink Direct and olive®, affiliated businesses and leaders in payment services and online vehicle protection plans, headquartered in Chicago, IL, and serving the US and Canada. Since joining the company in 2010, Kevin has managed all legal matters, including drafting and negotiating all terms and conditions of contracts with administrators, sellers and insurers, and directing company compliance with state and federal consumer finance and marketing statutes and regulations.
Kevin has over 20 years of experience as a practicing attorney, including more than 13 years in the role of General Counsel for both public and private entities.
Prior to joining PayLink Direct and olive®, Kevin was the General Counsel for the Governor’s Office of Management and Budget for the State of Illinois, where he was Chief Legal and Regulatory Counsel for the agency responsible for the formulation and implementation of statewide fiscal, budgetary and managerial policy. Previously, Kevin was in private practice at Schiff Hardin LLP where he represented clients in the defense of nationwide consumer class actions and complex commercial disputes.
Kevin holds a Bachelor of Arts in English from Indiana University Bloomington and a Juris Doctor, Cum Laude, from the University of Illinois College of Law, and is licensed to practice law in the State of Illinois.
Paul Sherman
Advisory Board Member,
olive.com®
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Paul is an entrepreneurial-minded executive who has spent most of his 20-year career in the technology and retail sectors, at both public and privately held companies worldwide, maximizing brand awareness, market potential, competitive positioning to boost revenue through innovation.
Previously, he held leadership roles at SPX, Comcast, Gift Certificates.com (a previous Marlin Equities portfolio company), and Camping World. Paul has overseen global marketing budgets ranging from $5MM to over $100MM.
He has served on the board for Habitat for Humanity starting in 2013, and still helps this organization succeed through fundraising.
Paul studied Marketing at Purdue University.
