We Are

The Company

Micronotes helps financial institutions deepen customer relationships. Founded by tech entrepreneurs from MIT, the company’s fast, automated, cloud-based solutions apply machine learning to customer data to improve engagement and dialogue to effectively sell more financial services through the digital service channels and beyond. Privately held, Micronotes is based in Boston.

A rapidly growing number of financial institutions rely on Micronotes to engage with their digital banking users. AI-enabled bankers can do things that were impossible only a few years ago, including:

  • Leverage 100% of bank-held data for targeting
  • Interview up to 20% of digital users monthly
  • Validate 100% of the leads sent to the front lines
  • End-users train targeting models to reduce errors
  • Market to only in-market or high propensity users

The Team

Devon Kinkead, CEO & Founder

Devon Kinkead

Devon founded Micronotes and serves as the company’s chief executive. In 2005, he sold his first technology startup company, Extraction Systems, to Entegris and was invited to head one of its leading lines of business. Devon grew the $85 million business unit sales at 18% above industry growth and brought 20% of sales to the operating profit line.

He holds 16 patents and has authored dozens of articles for leading publications. Devon earned a master’s degree in management from the Massachusetts Institute of Technology (MIT) Sloan School of Management, and a bachelor’s degree in biology/chemistry from Pitzer College. Devon’s life compass is set for competence, promise-keeping and compassion. He is reasonably fluent in French and Cape Verdean.


Christian Klacko, COO & Cofounder

Christian Klacko

Christian is cofounder of Micronotes and the company’s chief operating officer. In his career, he has strategically implemented sales, marketing and business development functions across multiple verticals. Christian has been on the founding team of three successful early stage high-tech startups, including Nextel International and Akamai Technologies.

As head of international business development, he grew Akamai’s operations into 65 countries. Christian earned a master’s degree in management from the Massachusetts Institute of Technology (MIT) Sloan School of Management, an MBA in finance & investments from George Washington University, and a bachelor’s degree in economics & finance from the University of Scranton. A native of France, he is fluent in four languages.


Joe Heller, CFO

Joe Heller, CFO

Joe is an experienced venture capital investor generating significant returns while investing in over 40 companies through his roles as Managing Director of NextLevel Venture Partners and Manager of the Kaufman Family Office.  Joe is specifically skilled in sourcing deals, due diligence, contract negotiation and post investment work, including being an active board member for many companies. Joe was a Venture Partner for ABN AMRO’s Digital Impact Fund, a corporate venture arm of ABN AMRO.

Joe is also an operator of fintech and financial companies. Joe was the CEO of Ameracash Solutions, a payments company, which was sold successfully to Softgate Systems. Joe had a senior financial role with Arbor National Mortgage, a mortgage bank, which was sold to Bank of America.  Prior to that Joe worked as an analyst for Morgan Stanley and was a Senior Accountant for Ernst & Young. Joe is a Certified Public Accountant and has an MBA in Finance from Fordham University and a BS in Accounting from Purdue University.


KJ Jarnot, CTO

Kevin Jarnot

KJ leads the technology team at Micronotes, responsible for development of the company’s AI-based platform, system integration, security, and data privacy. He has more than 30 years of experience in the fintech, publishing, and medical verticals.

Previously, he was CTO and chief privacy officer of DebtX, the world’s largest marketplace for commercial real estate loan sales. Earlier, he was cofounder and CTO of BD-X, a financial information provider that produced real-time transcripts and databases of corporate earnings calls. BD-X was sold to Thomson Reuters/CCBN. KJ earned a bachelor’s degree in computer science from Canisius College and attended the Graduate School of Engineering & Applied Science at the University of Pennsylvania.


Board of Directors

Donald Layden, Jr.

Donald Layden, Jr.

Micronotes Chairman
Operating Partner
Baird Venture Partners

Kathryn Hinderhofer

Kathryn Hinderhofer

Retired EVP
National Bank Holdings Corporation

Mark A. Johnson

Mark A. Johnson

General Partner
TTV Capital

Devon Kinkead

Devon Kinkead

Micronotes CEO
& Founder

Ian Sheridan

Ian Sheridan

Cofounder & Managing Director
Vestigo Ventures


Our Partners


Fiserv Logo

Fiserv helps people and businesses move money and information every minute of every day. Their solutions connect financial institutions, corporations, merchants and consumers to one another, millions of times a day, behind the scenes, reliably and securely.

Fiserv is a global leader in Fintech and payments enabling innovative financial services experiences that are in step with the way people live and work today. Fiserv proudly serves clients in more than 100 countries, so their customers, members and consumers can move money when and where they need it, at the point of thought.



Temenos Kony

Temenos offers cloud-native, cloud-agnostic, API-first digital banking, core banking, payments, fund management, and wealth management software products, enabling banks to deliver consistent, frictionless customer journeys and achieve market-leading cost/income performance.

Temenos’ vision is to provide financial institutions, of any size, any sector and anywhere in the world, the software to thrive in the digital banking age.

In August of 2019, Temenos acquired Kony Inc, the fast growing US #1 digital banking SaaS company.



Regina Pisa

Regina Pisa
Chairman Emeritus – Goodwin Law

Luis Perez-Breva, Ph.D.
MIT School of Engineering – Artificial Intelligence

Mark Sievewright
President Sievewright & Associated, Former President @ Fiserv

Rebecca Taft, Ph.D.
MIT CSAIL, Cockroach Labs

Paul Poh
Managing Partner  – Radical Security