Tess Bloch is the co-founder and Chief Operating Officer of Spade, a transaction-enrichment and merchant-intelligence platform powering use cases across the payments value chain, from decisioning and loyalty to customer experience. Before co-founding Spade, Tess led operations at Pinwheel and advised payments and private-equity clients at McKinsey & Company in London. She began her fintech career at Venmo while studying at Stanford, an experience that shaped her conviction that merchant intelligence would become critical financial infrastructure.