Tom Glassanos is President of The Bavelos Group, a trusted leader in best practice consulting for early pay programs and supply chain finance. He is a working capital veteran who has helped hundreds of global organizations improve cash and profitability. Tom is credited with key innovations such as “Dynamic Discounting” and “Buyer Initiated Payment (BIP)” cards and has been recognized by Supply & Demand Chain Executive Magazine as a “Pro to Know” three times. Tom was founder and CEO of AP automation pioneer, Xign Corporation. His executive leadership led to two venture funded IPOs. Tom has an MBA from Harvard University.