Meet The Team

Mike Kratzer - Founder / CEO

Mike sold his first company, Lower Fees, Inc., to (NYSE:RATE), the number one consumer finance website, in 2008. Founded in 2004, Lower Fees, Inc. (owner of, was a consumer based financial web portal relating to real estate and mortgage transactions.

After the purchase by, Mike remained CEO of and joined the board of Bankrate. Revenues and organic traffic increased during his tenure. After Bankrate, Mike developed several IOS apps for Mike Krzyewski (Coach K) and David Falk (FAME), as well as “Get In My Belly” and “Inspire Me”.

In 2012 Mike founded citytwig. With over 25 million validated and verified businesses and professionals, citytwig is one of the largest databases encompassing millions of unique data points and records. Recognizing that we are awash in data, including reviews and star ratings, Mike developed a proprietary scoring system to consolidate important and actionable information into a confidence and opportunity score.

Mike’s expertise has made him a regular on national news media. He has appeared in special features on CNBC, CNN ABC, NBC and The New York Times.

Mike holds a Master’s of Science (MS) in Clinical Psychology and a Master’s of Business Associates (MBA) from California Lutheran University. He completed his residency in Psychology at County USC Hospital, and has been published in the American Psychological Association (APA) Journal.

Robert J. Werner - President / COO

Robert joined citytwig in 2015 as CFO before becoming President and COO in 2017. He is responsible for overseeing all areas of business operations, management of corporate relationships and investor relations.

Previously he served as Executive Director of Anfield Capital Management LLC, an investment management firm founded by former PIMCO executives, where he focused on client relationship management, asset building and strategic planning. Prior to Anfield, Robert served as a manager at PricewaterhouseCoopers.

Robert joined his first startup in 2000, backed by Jim Clark of Netscape and John Chambers of Cisco, as a Principal of

Robert earned a Juris Doctor degree, cum laude, from St. John’s University School of Law and holds a BA in Communications from the State University of New York at Albany. He was an Editor for the St. John’s Law Review and is a retired member of the New York State Bar Association.

Steven Griffith - EVP Business Coaching

Steven joined citytwig in 2016 as part of the management team with responsibility to provide client onboarding structure, client understanding of key products and simplifying big data.

For the past 25 years, Steven has been a high performance coach, and researcher, working with America's Top Organizations and teams, Entrepreneurs, CEOs, Executives, Celebrities, Authors, Entertainment Professionals, Pro Athletes and Military Leaders.

Steven is a noted speaker and author.  His books include “High Performance Coaching: The New Science of Performance”, “Email Power: How to Get What You Want from Every Email You Send, Simple Decisions Life-Changing Results”, and “TIME CLEANSE - The Ultimate Life and Business Detox” being released in 2017.

He has been featured on ABC, NBC, CBS, FOX, Style and Esquire TV.

His High Performance Formulas have been effectively used by many notable individuals and organizations including “Jimmy Kimmel Live” show, the United States Military, Citibank, Wells Fargo, the Los Angeles Police Department, USC, UCLA, and The National Academy of Sports Medicine, players and coaches from NBA, MLB, NFL, and NHL.

Steven also holds a patent for his email communication analysis software.

Tanner Kratzer - Senior Vice President

Tanner is responsible for data acquisition, integrity and accuracy. He manages several teams of specialists targeting real-time business verification methodologies.

Over the past two years Tanner has expedited the citytwig database expansion. He has worked closely with several Fortune 500 companies on pilot programs illustrating various commercial applications of the citytwig database and RiskEngine (e.g. Verizon, Facebook, H&R Block.)

Tanner joined citytwig in 2014 after a successful stint on the professional golf tour. He attended PGA Qualifying School and has competed in numerous professional tour events.

Jeannine Cooper - VP Operations

Jeannine Cooper has over two decades of sales experience in the finance and online marketing industries. Prior to Citytwig, Jeannine served as sales manager at online marketing firm, Local Lighthouse. Her duties included consultative sales with customized websites, SEO, online directories and account management.

Prior to Local Lighthouse, Jeannine was the Business Manager for Anfield Capital Management where she was responsible for marketing and compliance.

Jeannine attended the prestigious Northeastern/Tufts dental program where she studied healthcare.

Pat Norton - EVP National Sales

Patrick Norton has spent the last ten years as a senior executive in the insurance industry, most recently as SVP of Brokerage at Mass Mutual. Prior to Mass Mutual, Norton was managing partner of ISN Premier, a partner of Insurance Designers of America, one of the leading life insurance and annuity marketing companies in the country.

Prior to joining the insurance industry, Norton spent four years a professional football player in both the NFL and Europe Football Leagues.

Norton is a graduate of the University of California, Los Angeles where he earned two Bachelor’s degrees and was a four-year member of the UCLA football team. He is also former top ranked High-School All-American Fullback.

Alan Huber - Lead Developer

Alan is responsible for the key development, enhancement and refinement of citytwig’s technology. He handles a multitude of responsibilities including front-end development, database administration and back-end development.

In the lead developer role, Alan employs a fluid workforce model for new product roll-outs and development ramp-ups. Alan has extensive experience in PHP, Laravel, HTML, MSQL, MongoDB, Linux, and jQuery architecture.

Prior to joining citytwig, Alan was the lead developer at InboundProspect, a leading financial services focused digital marketing / lead generation company.

Alan graduated from the Illinois Institute of Art, majoring in web design and interactive media and continues to study the latest coding developments.

Andrew Marin - VP National Sales

Andrew joined citytwig in 2016 to assist in enterprise sales and provide insurance expertise for our customers.

Mr. Marin is a consultant active in a niche market of financial planning known as premium finance - helping run one of the most successful premium finance platforms in the industry. Operating in the Greater San Diego area, Mr. Marin’s financial services practice focuses on estate planning and preservation, bank-funded life insurance and creative funding solutions for advanced life insurance planning. He’s worked with advisors across the country, acquiring experience in helping small businesses structure and fund complex life insurance transactions.

Mr. Marin was born and raised in San Diego, graduating from California State University San Marcos. Furthering his education and enhancing his outreach, he is a first year part time law student at California Western School of Law with an anticipated graduation in 2018. Sharing his time between San Diego and Los Angeles, Mr. Marin enjoys boating, hiking, volunteering with his family’s non-profit Helen’s Foundation, real estate and spending time with his family.