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About Us

The OLS Story On-Line Strategies (OLS) was founded in 1996 by Terry Richards to provide better production support for on-line transaction processing (OLTP) customers. OLS has always held a customer-centric focus. In the late 1990s OLS provided its customers with strategic payment planning as well as comprehensive maintenance services. Early in the new millennia, OLS extended its capabilities to include data mining and a variety of complementary products for legacy systems. OLS.Switch was created in 2004 and its first customer was a Fortune 500 company. So successful was OLS.Switch that it became the platform from which all other OLS services operated.demanding users, but is equally appropriate for traditional users needing fewer capabilities to serve their customers. It is also ideal for organizations desiring or required to replace or augment an existing legacy system.

The overriding value of the OLS transaction engine is its ability to host numerous value-added applications simultaneously. The integration of electronic payments, whether initiated in-store, online, or from a mobile device, coupled with extensive consumer loyalty (e.g., rewards and purchase incentives) can result in a significant competitive advantage. For every business it supports, OLS provides strategic benefits and improved customer satisfaction, along with measurable financial and operational improvements.

In August 2012 OLS became a wholly-owned subsidiary of InComm, the world leader in prepaid card and related transaction processing technologies. While OLS continues to operate autonomously in the payment transaction market, it can leverage the experience and resources of InComm, and other InComm subsidiaries, as needed.

Our Vision

On-Line Strategies’ overall vision and desire is to process financial and related value-added transactions for every company that lacks the means or the desire to do so for themselves.specialized and costly transaction processing systems. Architected from the ground up by some of the industry’s most seasoned and respected “founding fathers” using financial software development best practices and the latest technologies, OLS.Payments manages from a few to all of the following capabilities:visions. Then we endeavor to understand existing issues, processing inefficiencies, or bottlenecks you may be experiencing, along with their consequences and overall organizational impacts. From there we work together to prioritize technology alternatives that make sound business, financial and operational sense. Should we mutually decide to do business, OLS will develop an in-house license or hosted-system arrangement and ongoing services structure that best suits your organization’s visions and business model.

Our Mission

Our mission is to design, architect, sell, maintain and host the leading switching platform and applications necessary to cause significant and measurable financial and operational improvement for our customers, while ensuring competitive advantage through superior service and shopping convenience for our customers' customers:

Leadership Team

Terry Richards


Mr. Richards founded On-Line Strategies in early 1996 to, in his words, “provide better and more honest production support for online transaction processing customers. When OLS was born, hardware companies were buying software companies and the resultant focus was on selling computers to new customers, instead of supporting and strategically helping the existing base. Our mission was to change all that – and we have – growing rapidly and consistently ever since.”

Formerly a VP with Shared Financial and S2 Systems for over 12 years, Mr. Richards led both companies’ technical and professional services infrastructures, providing support and guidance to many of the world’s largest banks, retailers, healthcare organizations and financial services providers. In the years prior, he held leadership positions with Pacific Technologies, Banking Systems and Affiliated Computer Services.

A graduate of Tarleton State University in 1975, he holds a Bachelor’s Degree in Business Administration.

Andy Orrock

Chief Operating Officer

Mr. Orrock has been involved with complex, mission critical transaction processing systems and workflow optimization for over 25 years. He joined On-Line Strategies in 2002, and serves not only as COO, but in numerous leadership roles involving software and project management, customer and business development, technical guidance, research and development and ongoing strategic planning.

Before joining OLS, Mr. Orrock managed the day-to-day operations of Tosco’s critical payments system and its support team, handling in excess of $4 billion each year in payment transactions. Prior to that, he was employed by S2 Systems, pioneers in payment processing. His role at S2 was a mixture of IT analyst, business process engineer, project manager, technical sales support and account manager. And while there, he designed and managed the implementation of a point-of-sale network for Unocal’s 76 Products Division, providing online authorization and messaging support to over 6,000 service stations and convenience stores.

Mr. Orrock earned his undergraduate degree from Bates College and holds an MBA from Rice University.

David Bergert, CPP

Chief Technology Officer

Mr. Bergert joined On-Line Strategies in early 2007, and is responsible for product development and strategic technology direction for the company. After serving in several capacities and functional areas for a major US bank, he began his professional IT career in 1999 and has since led systems development, data center operations, network operations, strategic IT development, and security and risk management for both a major payment processing company and a highly respected IT security consulting firm.

Mr. Bergert has attained coveted CISSP, CISA and CPISM/A certifications and is a former QSA and regularly contributing member to numerous IT security-related professionalorganizations. He is also an Electronic Transactions Association (ETA) Certified Payments Professional (CPP).

Mr. Bergert holds a BA in Accounting and an MBA, both from St. Ambrose University in Davenport, Iowa.

Billy Terrell, CPP

Sales Director

Mr. Terrell, while new to On-Line Strategies, has over three decades of experience in systems design, development, business process optimization, sales, implementation and production support, through numerous managerial andexecutive-level capacities. His industry knowledge covers a broad payments and financial services spectrum, including banking, merchant retail, and healthcare, in environments ranging from mainframe-driven to cloud-based systems.

With OLS, Mr. Terrell is responsible for new account identification, development, sales and post-sale support coordination for both direct initiatives and indirect opportunities brought to the company through its partners and parent, InComm.

Prior to joining OLS in 2013, he held various executive and managerial sales and operations positions with industry-leading companies, including eGistics, Trintech and S2 Systems. He is a graduate of Mary Hardin Baylor University and The Wharton School of Business, and has attended numerous nationally-recognized sales, managerial and professional development programs throughout his career.

Ron Barker, CPP

Business Development Director

Mr. Barker began leading On-Line Strategies’ business development and technical project management functions in early 2010. Bringing a wealth of experience in online transaction processing and over 20 years with ACI Worldwide, he has served as a software design engineer, product architect, and manager / director for BASE24, BASE24-eps and Proactive Risk Manager products. He has worked closely with many of the largest banks in the world helping to ensure their business, operational and technical requirements and visions were understood and fulfilled.

He is the go-to professional for all things “project” at OLS, working closely with customers and prospects to define winning business and technology strategies, and then fine-tuning the resultant project management plans to ensure on-time, on-budget performance and significant, measurable operational results.

Mr. Barker holds his undergraduate degree from Nebraska Wesleyan University and an MBA from the University of Nebraska Lincoln. He was an inaugural Electronic Transactions Association (ETA) Certified Payments Professional (CPP) and regularly serves on the ETA Research and Communications Committee.

Todd Hemphill, PMP, CPP

Director - Third Party Relationships

Mr. Hemphill, who has held strategic positions with several companies in the transaction processing and payments industry over the past 20 years, joined On-Line Strategies in early 2014, where he now oversees strategic partner relationships and is involved in other areas that include project management and strategic sales support.

Prior to joining OLS, he was the Vice President of Merchant Technology for FleetCor, the world’s largest fleet card company, for 10 years. Before FleetCor, he held management and principle positions with S2 Systems, ACS, EDS, CardSystems, First USA/Paymentech and Bank One. During his career, Mr. Hemphill has done strategic consulting and been involved in card processing projects in over 20 countries, while also helping to create industry leading solutions in the retail, fleet and commercial card arenas.

Mr. Hemphill holds a BBA in Finance from the University of Texas – Arlington and an MBA in Management from the University of Texas – Austin. He also holds his PMP (Project Management Professional) and CPP (Certified Payment Professional) certifications.