Matthew Wratten is the Founder and CEO of EverChain. Since launching the company in 2012, he has led its evolution into the premier platform for managing collections, vendor oversight, and compliant debt sales. Today, EverChain powers over $3 billion in transactions every quarter and serves as the backbone for creditors who demand visibility, performance, and regulatory confidence across the entire recovery lifecycle.

With more than 20 years of experience in financial services, including wholesale mortgage banking and credit decisioning, Matthew has long understood the need for innovation in default recovery. He has worked closely with many of today’s most successful fintech lenders from their earliest stages, helping them scale compliant recovery strategies from day one. Under his leadership, EverChain continues to deliver the technology, network, and oversight that today’s creditors require to optimize performance and protect their brand.