Four disciplines. Decades of experience each. Zero guesswork.

The discipline behind CognitivaOS's cognitive record is scoring model development and structured financial decision systems — built over more than 30 years inside European banking, trade credit insurance, and multi-party credit infrastructure. Three prior companies. Three exits to category-defining acquirers. More than 15 years of advisory service on government-to-government (G2G) projects worldwide, including large infrastructure projects in Europe, Asia, Africa, South and Central America, and the Middle East.

The discipline behind CognitivaOS's multi-market launch is customer operations at scale, multinational team leadership, and global sales execution — built over more than 20 years across international companies, multiple regions, and diverse cultures.

Roshani Gami is a technology executive with 20+ years of experience across software engineering, fintech, investment banking, enterprise platforms, and startups. Her international experience spans the United States, India, the United Kingdom, and France, where she has worked across complex financial and technology environments.

At Cognitiva Systems, she leads technology strategy, architecture, engineering, AI, data infrastructure, security, and global platform development. Her background in financial services and investment banking brings deep experience in building secure, scalable, and highly reliable systems for regulated and transaction-intensive environments.

Jonathan is a Tampa-based tax attorney and Certified Public Accountant focused on state and local taxation, sales and use tax, and multistate compliance. As both a lawyer and a CPA, he handles the legal and the accounting side of each tax matter.

He began his career as a prosecutor, then represented clients in divorce proceedings, where property division and asset valuation raise complex tax questions. That work led him to tax. He joined PricewaterhouseCoopers LLP as a State and Local Tax specialist, and after the U.S. Supreme Court's South Dakota v. Wayfair decision he co-founded Physcal Sales Tax LLC to help companies handle the new economic-nexus rules adopted by nearly every state.

As a professor in the Accounting department at Southern New Hampshire University, he taught graduate tax coursework. He contributed to the American Bar Association Section of Taxation's 2012 comments to the IRS on proposed regulations under Section 892, speaks English, Spanish, French and Mandarin, and is a frequent speaker on sales tax, tax reform and multistate tax planning.