We are Wave

Why we do what we do

At Wave      , we believe small businesses are the heart of our communities, and championing them is worth fighting for.

We will create a future where small business owners manage their finances fearlessly, and more aspiring entrepreneurs have the confidence to live their dreams. To get there, we'll be the simplest, all-in-one money management solution small business owners can’t live without.

The values that guide us:

  1. 1
    Believe in small business owners
  2. 2
    Reimagine the possible, together
  3. 3
    Do fewer things, simply and beautifully
  4. 4
    Care deeply and challenge directly
  5. 5
    Achieve extraordinary results

Wave through the years

  • 2010
    • In a shared workspace with a team of eight, co-founders Kirk Simpson and James Lochrie launch Wave Accounting
  • 2011
    • Wave reaches 100,000 customers
    • Makes Deloitte's 100 Companies to Watch list
    • Moves into the historic Wrigley Factory
  • 2012
    • Launches payroll and payments products in North America
    • Surpasses 500,000 customers
  • 2014
    • Launches free invoicing
  • 2018
    • Launches Wave Advisors
  • 2019
    • Grows to more than 250 employees
    • Makes Best Workplaces in six categories
    • Makes Deloitte North American Fast 500
    • Acquires fintech startup, Every
    • Gets acquired by H&R Block
  • 2020
    • Launches free banking product, Wave Money
    • Receives more nominations and podium finishes at the 2020 Canadian HR Awards than any other company
  • 2022
    • Co-founder & CEO, Kirk Simpson, announces his successor
    • Zahir Khoja becomes Wave’s CEO
  • Our Future
    • Continuously innovates one-stop money management for small business owners
    • Stay tuned as our story unfolds...

Executive Team

Zahir Khoja

Chief Executive Officer

Zahir is our Chief Executive Officer. He comes to Wave with decades of executive experience, most recently as General Manager for Afterpay North America, and previously as Executive Vice President at Mastercard. He joined Mastercard in 2012 as Chief Executive Officer for Mobile Payment Solutions (MPS) where he was responsible for deploying mobile solutions in Brazil, Argentina, Egypt, Indonesia, Philippines, India and Turkey.

Zahir has always had a passion for small business and enabling financial access for all. This led him to a four-year stint as President and CEO of M-Paisa Afghanistan, bringing banking and financial education to underserved communities.

Speaking of passion, Zahir’s mad love for Canada’s own Vancouver Canucks follows him everywhere (including into his pocket⁠—check out his phone case if you get the chance!). These days he calls California home, and lives there with his wife and two daughters.


Tam Khuu

Chief Financial Officer

Tam is the Chief Financial Officer, responsible for accounting/finance, taxes, and compliance at Wave. She's led the company through its successful acquisition by H&R Block, a financing round, several corporate reorganizations, and multiple ERP and payroll system changes. Prior to joining Wave, Tam served as the CFO of FinanceIt, a fintech company in the marketplace lending space, where she was integral to the launch of their U.S. lending business, acquisition of a substantial lending portfolio from a major bank, and more.

Tam has a passion for travel and has visited Antarctica, Patagonia, and the Maldives. She’s a proud supporter of animal rights and rescues, and LGBTQ+ causes. You'll often find her doing hot yoga, playing badminton, scaling a rock wall, or hanging with her teacup Yorkie.

Geoff Vona

Chief Product & Technology Officer

Geoff is the Chief Technology Officer. He's been a professional software developer and leader for over 35 years. Geoff's passion is using technology to solve problems for people. He believes that at its heart, software development is a human endeavour that requires empathy and best-of-breed collaboration. He has held leadership positions at Sitraka Software, Quest Software, Dell, and most recently Amazon, working in technologies ranging from embedded C, cross-platform C++ UI frameworks, front-end Java, back-end Java, and Python.

Outside of work, Geoff is an avid cyclist who puts thousands of kilometers on a poor, overburdened, hybrid bike each year. He loves kayaking, hiking, and is almost always the worst hockey player on any team he joins.

David Axler

Chief Strategy Officer

David Axler is the Chief Strategy Officer, focusing on formulating, communicating, and fulfilling Wave’s initiatives and future goals. With over five years at Wave, David brings an enthusiastic leadership style and unyielding service to our customers. Prior to Wave, David was a GM and Chief of Staff at a B2B technology company, Influitive, and was previously a management consultant with Deloitte. A graduate of the Rotman School of Management at the University of Toronto, he has a wealth of experience knowledge in business strategy and growth.

Outside of work, David can be found in various arenas across the city, including coaching his kids’ hockey teams and, when he’s lucky enough to find the time, paddling a canoe across an open lake or struggling his way around a golf course.

Victoria MacDonald

Chief People Officer

Victoria MacDonald is our Chief People Officer who is accountable for driving our culture, employee experience, talent acquisition, and total rewards. She brings a wealth of experience, including CPO positions at Real Matters Inc and We.org. She is known for creating cultures of high performance and engagement by connecting employees to the mission, vision, and values of an organization.

At home, Victoria has a number of passions, including family time at the cottage, agility classes with her dog, River, and attending live music events. And don’t be surprised if you find her in culinary school one of these days—it’s her not-so-secret ambition

Leadership Team

Angie Dobbs

VP, Fraud & Risk

Tina Goyal

VP, Engineering

Andrew Hull

VP, Engineering

Alo Mukerji

VP, Product

Andrew Ratcliff

VP, Financial Planning & Analysis

Kerry Reynolds

VP, Marketing

Maggie Lau

Senior Director, Finance

Joseph Pierri

Senior Director, Platform Engineering

Reza Rahimi

Senior Director, Financial Capabilities & Payroll

Julianne Smola

Senior Director, Brand & Communications

Dennis Woo

Senior Director, Financial Services Ops

Lawrence Levinson

Director, Wave Advisors

Swap Mehta

Director, Risk & Strategic Projects

Sophia van Delden Saunders

Director, Product Design

Takisha Williams

Director, Compliance

What's happening at Wave

We are thrilled to announce three wins at the 2020 Canadian HR Awards:

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Wave is honored to announce that for the fourth year in a row, it's been named one of the 2020 Best Workplaces ™ by Great Places to Work®.

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Wave is honored to announce that for the second year in a row, it's been named one of the 2019 Best Workplaces ™ for Women by Great Places to Work®.

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