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BankSimple’s dream team (left to right, from top): Thomas Lockney, engineer; Shamir Karkal, CFO; Bill DeRouchey, creative director; Josh Reich, CEO; Toby Sterrett, engineer; Brian Merritt, operations; Alex Payne, CTO; and Ian Collins, engineer. Inside BankSimple's quest to put user experience above all else. "LET'S START a retail bank." That was the email subject line that greeted Jerry Neumann, a venture capitalist, one morning in 2009
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