Phil Layher is currently the Director Of Sales And Business Development at IBT Apps®. Prior to this role, Layher has held various executive positions at companies such as Divido, TEMPOE, FlexShopper, NewComLink, Rock River Advisors, American Finco Financial Services, LLC, CitiCorp Retail Solutions, and HSBC Retail Services. Layher graduated from Montana State University-Bozeman with a B.S. in Business in 1985.