Management Team
Joseph Coschera
CEO
Joseph Coschera leads ISA's development efforts as well as new business development and business partner relationships. Joe also serves as Chief Financial Officer and Principal Accounting Officer for ISA. Joseph Coschera's financial experience came from his previously held a position as Vice President with JPMorgan Chase, which spanned 18 years. There he rose from the position of Systems Engineer to Manager of Facilities and Hardware Planning for the Retail Banking Division. Joe's responsibilities were extremely diverse and included direct interaction with financial departments. As part of managing the deployment of state of the art banking technology (ATMs and Platform Automation) to more than 200 branches, Joe had extensive interaction with the financial systems departments in order to perform his tasks more efficiently. He has kept up to date with the Sarbanes-Oxley Act of 2002 via the Internet. He has also reviewed PCAOB guidance from its web site and has read the portion of the SEC web site that deals with the Office of Chief Accountant. He surrounds himself with CPA's and reads 10-Q's and 10-K's from other companies. He also reads PPC checklists which mandate the exact detail disclosure requirements that will be expected of him once the company is fully reporting.
Loire Lucas
Vice President, Director
Loire Lucas began her career with the NCR Corporation upon graduation from Florida Atlantic University in 1982 where she received her Bachelors of Applied Science. As a Systems Engineer, she worked on banking clients projects in Europe and Africa. Upon her return from Africa, she continued to work at corporate headquarters in Dayton, Ohio. Following her headquarters position, Loire transferred to NCR's New York sales office where she worked with major financial institutions managing their banking platform migration to state-of-the-art hardware and software platforms.
Michael Hull
Chief Financial Officer
In the early part of his career, Mr. Hull spent 11 years auditing both public and private companies for Price Waterhouse, advancing from audit staff to audit senior manager. Upon leaving Price Waterhouse, he accepted the position of CFO for BCT International, a public company that is a franchisor of wholesale printing businesses with annual network sales of $107 million. Subsequently, he worked for Resources Global Professionals, where he was a member of a team that assisted a $4 billion subsidiary of a $40 billion multinational company in complying with Section 404 of the Sarbanes Oxley Act of 2002. Most recently, Mr. Hull served as the CFO of BabyUniverse, a public company traded on NASDAQ. His responsibilities included preparing the annual 10-K and quarterly 10-Qs filed with the SEC and coordinated the annual financial statement audit and quarterly reviews. Mr. Hull is a 1985 graduate of the University of Central Florida with a B.S.B.A. in Accounting. He has been a Certified Public Accountant since 1986 and is a member of the Florida Institute of Certified Public Accountants, a member of the American Institute of Certified Public Accountants, and a member of the Financial Executives Network Group.