The Authoriti Network was founded in 2017 to identify new approaches to prevent misuse of Identifiers and Personally Identifiable Information. Our founders have significant leadership experience dealing with InfoSec at-scale in the world's leading financial institutions.


Authoriti develops the Authoriti Permission Code® platform, which puts control of transactions in the hands of the consumer and gives institutions the confidence that the transactions are authorized.  

Board of Directors

Michael C. Cutlip, President & CEO

Decades of experience in credit, operational and enterprise risk, and regulatory and financial crime compliance initiatives. 

Mike Cutlip is the Chief Executive Officer of The Authoriti Network, Inc., founded in 2017 to eliminate fraud and data privacy risks by letting customers easily and securely authorize any transaction.

Cutlip has more than 30 years of experience across a range of roles in the financial services industry, the majority at HSBC Holdings plc.  As COO of the Global Banking and Markets’ Banking business in the Americas, Cutlip led teams delivering and improving HSBC’s business management, credit, operational and enterprise risk, and regulatory and financial crime compliance initiatives. 

Concurrent with his COO responsibilities, Cutlip served on the Board of Directors of HSBC Capital (USA) Inc., HSBC’s direct and fund of funds principal investments business in the Americas.  Cutlip relocated to Hong Kong between 2009 and 2012 to build out GB&M’s Credit Portfolio Management capabilities covering 18 countries in Asia. 

Cutlip holds a Bachelor of Science Degree from Iowa State University and a Master of Business Administration from The University of Iowa.

Lou Steinberg, Chairman

Builds both startups and at-scale resilient, secure infrastructure.

Lou Steinberg is the founder of CTM Insights, an early stage technology studio & incubator, focused on finding new approaches to structural problems in Cyber Security.  Prior to CTM Insights, Steinberg served for 6 years as Chief Technology Officer of TD Ameritrade Holding Corporation where he was responsible for technology innovation, platform architecture, engineering, operations, risk management, and cyber security.

Prior to joining TD Ameritrade, Steinberg was the founder and CEO of Rev2, a Risk Management software company that focuses on operating risk. Previously, he was the interim CEO of Cranite Systems, which delivered highly secure, layer 2 VPNs. Steinberg also spent several years as CTO of Symbol Technologies (now Motorola), driving a company-wide solutions strategy while also serving as the General Manager of its Software Division.


Steinberg previously served as an entrepreneur-in-residence at Warburg Pincus and as a strategy advisor to senior management at companies including Comcast, Citigroup and Fidelity. He was the SVP of Marketing and Market Development at Micromuse (now IBM), a network management and analytics company. He joined Micromuse through the acquisition of NetOps Corp, an analysis and fault-prediction company that he founded and led as CEO. He spent over a decade at IBM in various technical and management roles, notably contributing to router development for the NSFNet, a second-generation Internet backbone. He has served on various IETF Working Groups related to network management, including SNMP-1, MIB-1, Ethernet MIB, RMON-1 and Alert Management.


Steinberg is the author of Troubleshooting with SNMP and Understanding MIBs (McGraw-Hill, 2000), as well as numerous articles on technology and infrastructure. He holds a bachelor's degree in engineering and a master's degree in computer science, both from the Stevens Institute of Technology and is an active member of both the Board of the Stevens Venture Center and the Board of Advisors to the School of Systems Engineering.  He has served on numerous private company boards.

Marv Adams

IT and Infosec leader at industry leading financials and providers.
Marv Adams is an executive advisor who previously worked for TD Ameritrade, responsible for all IT and operations functions, including systems development, data centers and infrastructure, networks, project management and process improvement, and retail brokerage clearing and operations.

He brings more than 30 years of operational and technology experience, much of which he served in the financial services industry.

Adams joined TD Ameritrade from TIAA-CREF, where he served as the executive vice president of shared services, overseeing operations and applications services technology and leading IT strategy and policy.


Adams also served in a similar capacity at Fidelity Investments, where he was responsible for enterprise transformation, and as chief information officer at Citigroup, Bank One Corporation and Ford Motor Company. Additionally, he served as the head of worldwide engineering systems for Xerox after starting his career at IBM.

Adams holds a Bachelor of Science Degree in Electrical Engineering from Michigan State University.

Larry Bettino

Investor in high growth tech companies.

Larry Bettino has more than 25 years of technology-focused, venture capital and private equity investing experience. He is currently Senior Advisor at StarVest Partners, LLC, a firm focused on investing in high-growth technology-based businesses.

Over his career Bettino has achieved a unique combination of technological and financial expertise working with firms such as IBM, Dillon Read Venture Capital, Baker Capital, Warburg Pincus and in his current role with StarVest Partners. He has significant experience in the technology areas of software, cloud-based computing, data management, application development, social media and mobility. His functional expertise has included business plan development, sales and marketing, pricing strategy, and business process and workflow.


Bettino holds a Bachelor’s of Science Degree in Electrical Engineering from Rensselaer Polytechnic Institute and a Master’s of Business Administration from Harvard Business School.

Joseph R. Saviano

​25 years of private equity and venture capital experience.


Joseph R. Saviano is the Founder and Managing Partner at Dot Capital, LLC, a New York City-based venture capital firm he founded in 2012. Dot Capital is focused on investments in companies that disrupt and drive the digital economy. Wireless applications, software-as-a-service, big data, digital media and internet infrastructure are its current areas of focus.

Previously, Saviano was a Partner and CFO of Baker Capital, joining the firm in June 1997 to lead all administrative functions at the firm. In 1998 he became a Partner and in 2001 joined the investment committee and worked on the firm’s investment activities in the telecomm-media-technology sector. At Baker Capital, Saviano led investments in the software, mobile application, digital media and Internet infrastructure sectors.

Prior to joining Baker Capital, he was the CFO of Harvest Partners and from 1992 to 1996 he worked at Apollo Management. From 1988 to 1992 he worked at Bear Stearns.


Saviano has been a member of the Board of Directors of several private companies which successfully exited or been marked up: Dotster (a leading domain name registrar and web services provider); IQNavigator (a software-as-a-service employee relationship management software solutions for the contingent labor market); Offermobi (a leading mobile only performance marketing network); Humandemand, Inc. (a first mover in the mobile demand side platform, data management space); and Wine.com (the most trafficked wine retailer on the web). Current Board of Director roles include: Console (a peering provider that links networks to provide low latency high available inter-connect solutions); Statsocial, Inc. (a social media, big data analytics provider); and Crowded.com Inc. (a marketplace for on-demand labor).


Saviano is the Chairman of the ARC Angel Fund and is on the advisory committees of DEV (Digital Entertainment Ventures) and Funding Wonder, Inc., a small business lending portal. Saviano received his B.S. in finance from Lehigh University and an M.B.A. from Fordham University.

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The Authoriti Network was founded in 2017 to create new ways of preventing identity theft, fraud, and misuse of data.  Our founders have significant leadership experience dealing with InfoSec at-scale in the world's leading financial institutions.  Authoriti develops the Permission Code® platform, which uses customer-originated Smart PINs to give businesses the confidence that every transaction is authorized.      



Copyright © 2018-2020, The Authoriti Network, Inc. All rights reserved.
The Authoriti logo and the Permission Code® platform are registered trademarks of The Authoriti Network. Empowering Transaction Security™, Eliminate Friction and Fraud™, Frictionless Security. Delivered.™
and the Authoriti "A" mark are trademarks of The Authoriti Network.


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