About Us


We anticipate every need for a successful transition by building a tailored, 360-degree experience model. Our process leads to right-fit partnerships to deliver service excellence to consumers.

Laura Deutschman


Founder and CEO

Laura Deutschman, Founder and CEO, Finovative Technologies

Laura Deutschman founded Finovative Technologies in 2018 to help credit unions and banks with strategic financial technology and growth solutions. Laura saw a need for financial institutions of all asset sizes to receive support services.

Laura started her banking career as a banker at Citizens Bank, and worked her way up to be a Branch Manager and Business Banker. She enjoyed working with clients to learn how to find right fit solutions. After leaving Citizens Bank, she went to work for Empower FCU as a Business Analyst, where she advanced in data analytics, technology and compliance. She helped launch the credit union’s business deposits program.

In 2014, she began working for CUSO, United Solutions, as a Sales Manager, and was promoted to Director of Business Development. While at United Solutions, Laura started a call center with sales staff that offered software solutions, participated in the development of software solutions and Check 21 solutions. She also oversaw client sales, client management, product support, vendor management and project management. Laura spent time with financial institution senior management teams to find the best fit solutions for the client’s needs.

Her background in FI’s and vendors has helped her to understand how to address the needs of the organization, employees and consumers. Consulting has provided an opportunity to help give back by helping clients find right fit solutions. Her Finovative Team believes relationships and building trust are the most important parts of the business. Their satisfaction comes from helping clients grow and be successful.

In addition to her company, Laura serves as the Dean of Literacy for Rollan College. The staff of Rollan College serve as missionaries to help provide literacy, divinity and entrepreneurship. They believe in educating to create opportunities and growth for immigrants and the underserved in Africa.

Laura lives with her family of six in Tallahassee, FL. In her spare time she enjoys going to the beach and spending time with her family. Laura holds a Bachelor of Arts Degree from Le Moyne College in Psychology. Laura holds four certificates in Cyber Security. Laura was recognized as one of the top 10 most promising FinTech organizations in 2020 by CIO Review Magazine. Laura’s faith leads her purpose in serving others.

In the same way, let your light shine before others, so that they may see your good works and give glory to your Father who is in heaven. -Matthew 5:16

Joe Riccardo


Managing Director

Joe Riccardo, Managing Director, Finovative Technologies

Joe is an accomplished senior executive with more than 40 years of diverse executive level management experience in financial services. Backed by a strong proven track record of leadership, he possesses a deep understanding of technology, innovation and business transformation and the crucial role they play in successfully executing strategic objectives of the bank or credit union. Areas of expertise include leading digital and cultural transformation, process improvement, vendor management, management, strategic facilitation and planning, shared service startup and operations (CUSO), as well as leading all aspects of mergers and acquisitions.

Joe’s career in banking started with a savings and loan where he held various management and C-level positions. He spent several years with Fiserv, where he held several management and executive level positions for Credit Union division business solution providers. In 2013 he moved back into the CTIO/CIO positions where he led several financial institutions with planning and execution of Technology and Innovative strategies as well as serving as CEO of a credit union operations CUSO, Member Support Services LLC where he oversaw the business operations with Lending, Asset Recovery, Backoffice/Card Processing operations and Information Technology and Services.

Working with Finovative Technologies allows Joe to build on the integrity and trust of established long-term relationships that he has secured over the years and to help credit unions and community banks identify, evaluate, negotiate and execute the best possible solutions for their long term business strategies. It allows him to share his knowledge and experience to all those around him.

Joe earned a BS in Accounting from King’s College in Wilkes-Barre, Pa.

When he is not on the job, Joe enjoys spending time with his wife Julia, grandchildren and German Shepherd and Sheltie.

Jeff Brown


Strategic Technology Consultant

Jeff Brown, Strategic Technology Consultant, Finovative Technologies

Jeff Brown is a Banking Strategy Consultant who provides consulting and strategic planning services to Financial Services firms, Payments companies, FinTechs, Software Providers, and Venture Capital firms. Prior to a consulting career, Jeff had executive positions at Capital One, Huntington Bank, and US Bank in Technology, Product, and Strategy. Jeff has led vendor selection and contract negotiation in Agent Bank Credit Card Issuing, ATM/Debit Networks, Merchant Acquiring, Large Online Banking Systems, and salesforce.com.

Jeff has deep expertise in the following areas:

  • Product strategy
  • Software/ vendor selection
  • Contract negotiation
  • Large program delivery
  • Providing leadership and assistance to software companies selling to financial institutions
  • Providing financial services subject matter expertise to venture capital and investment firms