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Built for small business

Wave is an award-winning financial management software company providing one-stop money management for freelancers, self-employed entrepreneurs, consultants, and contractors. Wave provides easy-to-use tools that empower small business owners to simplify their finances while giving them more confidence to run their businesses.

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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.


Paul Marshall

Chief Operating Officer

Paul is the Chief Operating Officer and is responsible for driving operational outcomes and revenue for Wave. He has previously held several senior operational and financial leadership roles in the tech industry, including CFO and SVP Operations roles at Influitive. He was also the CEO at Ivara, where he led its successful acquisition.

At home, Paul is joined by five kids, two dogs, a cat, and his amazing wife who may or may not refer to him as her sixth child. To escape the bustle of everyday life, Paul enjoys the challenge and quiet time of a game of golf. He’s an avid reader, and looks to help others in any way he can find.

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 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.

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