Tom Glassanos is founder and President of The Bavelos Group, the leading consulting services firm for payables-related working capital. He is a working capital veteran who has helped hundreds of global clients improve cash and profitability. Tom is credited with key innovations such as “Dynamic Discounting” and “Buyer Initiated Payment (BIP)” cards, and Supply & Demand Chain Executive Magazine has recognized him as a “Pro to Know” three times. He was founder and CEO of AP automation pioneer, Xign Corporation, and his career in business led to two successful IPOs. Tom has an MBA from the Harvard Business School.