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About Us

Building the future
of personal finance

We started Pulse with a single conviction: everyone deserves access to the same powerful financial tools that were once reserved for the privileged few.

From a bold idea to a global platform.

Pulse was founded in 2022 by three engineers who were frustrated by the gap between what technology could deliver and what traditional banks actually offered. We believed banking should be instant, transparent, and accessible to everyone — not just those with the right zip code or account balance.

What started as a simple spending tracker in a shared apartment quickly evolved into a full-stack neobanking platform. Our mission: democratize financial services by removing every unnecessary fee, gate, and friction point that keeps people from building wealth.

Today, Pulse has grown from those 3 founders to a team of over 200 engineers, designers, and financial experts across four continents — united by the belief that the future of money should work for everyone.

What we stand for

Four principles guide every product decision, hire, and line of code at Pulse.

Transparency

No hidden fees, no fine print, no surprises. Every rate, charge, and policy is published in plain language. We believe trust is built when nothing is obscured.

Security First

FDIC insured, SOC 2 Type II certified, PCI-DSS Level 1 compliant. We invest more in security infrastructure than marketing because protecting your money is non-negotiable.

Customer Obsession

Every feature we ship starts from a real customer problem. Our support team responds in under 60 seconds, and our product roadmap is shaped by the people who use Pulse every day.

Innovation

We ship fast, learn faster, and never settle for "good enough." From AI-powered budgeting to real-time global transfers, we push the boundaries of what a bank can be.

Leadership

The team building the next generation of financial infrastructure.

AR

Amara Reynolds

Co-Founder & CEO

Former VP of Product at Stripe. 12 years in fintech infrastructure and payments.

DK

David Kim

Co-Founder & CTO

Ex-Google principal engineer. Led distributed systems for Google Pay across 40 countries.

SP

Sofia Petrov

Chief Financial Officer

Former Goldman Sachs MD. 15 years in capital markets and regulatory strategy.

MN

Marcus Nguyen

VP of Engineering

Built core banking platforms at Revolut and N26. Scaled systems to 10M+ users.

500K+
Users worldwide
$2.8B
Deposits managed
50+
Countries served
200+
Team members

Our Journey

Key milestones on the path to reimagining personal finance.

2022
Founded in San Francisco
Three engineers left their roles at Stripe, Google, and Goldman Sachs to build a bank that works for everyone. Pulse was born in a shared apartment with a $50K angel check.
2023
Series A — $12M raised
Led by Sequoia Capital with participation from a16z. Launched the Pulse debit card, crossed 50K users, and obtained our banking charter partnership.
2024
500,000 users milestone
Introduced AI-powered budgeting, virtual cards, and 4.5% APY savings. Named "Best Neobank" by Fintech Magazine. Team grew to 150 across three offices.
2025
Global expansion
Launched in 50+ countries with real-time cross-border transfers. Opened offices in London and Singapore. $2.8B in deposits under management.

Join us on the journey

We're hiring world-class engineers, designers, and financial minds. Help us build the bank of tomorrow.