Adam Klappholz is Head of Product for Zelle® at Early Warning Services (EWS), where he leads product strategy and innovation for one of the nation’s most widely used real-time payments networks. Since taking on the role in 2024, Adam has focused on expanding Zelle’s consumer and small-business experiences, partnering with financial institutions and cross-functional teams to deliver seamless, reliable, and intuitive money movement at scale.

Adam brings more than a decade of leadership experience across payments, banking, and fintech. He previously served as General Manager of U.S. SMB Direct Payments at J.P. Morgan, overseeing the firm’s credit card processing and acquiring business for small and medium-sized businesses. Earlier, he helped scale SMB products at Venmo and held senior roles at PayPal, where he advanced global strategy and launched new growth initiatives in consumer and merchant lending.