Amber Carroll
Chief Financial Officer at PonyPay
- Role
- Chief Financial Officer at Ponypay
- Location
- Lexington, KY, US
- LinkedIn followers
- 500 followers
About Amber Carroll
CFO | DBA | Fintech & Sustainability StrategistI am a Chief Financial Officer and Doctor of Business Administration (DBA) specializing in financial systems, operational strategy, and sustainable business development.My career foundation began in hotel management, where I developed a strong operational mindset and a deep understanding of customer experience, team leadership, and service excellence. This background continues to shape how I approach business today, combining financial strategy with real-world operational insight.With extensive experience in fintech and merchant services, I now lead financial operations across multi-entity organizations, focusing on revenue optimization, payment processing systems, and improving visibility into cash flow and performance. My work centers on building efficient, scalable infrastructures that support both growth and long-term stability.My doctoral research examined sustainability in U.S. businesses, exploring the factors that influence the adoption of sustainable practices and their measurable impact on pollution reduction, financial performance, and operational efficiency.In addition to my work in finance, I am actively developing ventures in agriculture and land stewardship, including orchards, cut flower production, and sustainability-driven business models. I am passionate about creating systems that align profitability and purpose, supporting both economic success and environmental responsibility.Areas of Focus:• Financial Strategy & CFO Leadership• Merchant Services & Payment Processing• Revenue Optimization & Cash Flow Management• Operational Leadership & Customer Experience• Sustainability in Business• Entrepreneurship & Scalable Growth• Agricultural & Land-Based Ventures
Experience
Chief Financial Officer
Feb 2019 — Present
Education
University of the Cumberlands Graduate and Online
Master of Business Administration - MBA
2018 — 2019
University of Kentucky
Bachelor of Arts (B.A.), Architectural History
2000 — 2004
University of Kentucky
Minor in Spanish Language
University of Kentucky
Minor in Japanese Studies
University of the Cumberlands
Doctor's Degree, Business Administration and Management, General
University of Kentucky
Associate of Arts - AA, Interior Design/Architecture
2000 — 2002
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