# Francois Horikawa

## Chief Financial Officer

Francois is the Chief Financial Officer at Extend, bringing deep expertise from more than two decades in the payments industry. Prior to joining Extend, he led finance for the Consumer division at PayPal. Earlier in his career, Francois spent 20 years at American Express, holding leadership roles across the U.S. and internationally. Born in Japan and raised in France, Francois has called Dobbs Ferry, New York home for the past 15 years. He is the proud father of four adult children.

## More from Francois Horikawa

**Blog**  **The ultimate guide to making a balance sheet**  Read more

**Blog**  **What are expenses? Guide to track business costs**  Read more

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# Page not found

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# Overview

- [The Extend app](/content/platform-overview/index.html)  
- [Virtual card API](/content/virtual-card-api/index.html)  
- [AI toolkit](/content/ai-toolkit/index.html)  
- [Preferred bank partners](/content/participating-banks/index.html)

# Features

- [Virtual cards](/content/app-features#virtual-cards/index.html)  
- [Budgets](/content/features/budgets/index.html)  
- [Bill pay](/content/features/bill-pay/index.html)  
- [Receipt management](/content/app-features#receipt-management/index.html)  
- [Expense Reports](/content/app-features#out-of-pocket-expenses/index.html)  
- [Reconciliation](/content/app-features#reporting-and-reconciliation/index.html)  
- [Integrations](/content/app-features#integrations/index.html)

# Participating Banks

- [American Express](/content/pages/american-express/index.html)  
- [Banc of California](/content/get-started/index.html)  
- [BMO](/content/banks/bmo/index.html)  
- [City National Bank](/content/get-started/index.html)  
- [Corpay](/content/get-started/index.html)  
- [HSBC](/content/banks/hsbc/index.html)  
- [PNC](/content/banks/pnc/index.html)  
- [Regions Bank](/content/get-started/index.html)  
- [Silicon Valley Bank](/content/get-started/index.html)  
- [Texas Capital](/content/banks/texas-capital/index.html)

# Extend for

- [Vendor payments](/content/solutions/vendor-payments/index.html)  
- [Virtual employee cards](/content/solutions/employee-cards/index.html)  
- [Expense management](/content/expense-management/index.html)  
- [Tracking spend](/content/solutions/control-spending/index.html)  
- [Reconciliation](/content/solutions/automate-reconciliation/index.html)  
- [Integrated payments](/content/solutions/integrated-payments/index.html)

# By industry

- [Retail & ecommerce](/content/industries/retail-and-ecommerce/index.html)  
- [Legal services](/content/industries/legal-services/index.html)  
- [Construction & manufacturing](/content/industries/construction-and-manufacturing/index.html)  
- [Media & production agencies](/content/industries/media-and-production-agencies/index.html)  
- [Life sciences & medical](/content/industries/life-sciences-and-medical/index.html)

# Learn

- [Case studies](/content/resources/case-studies/index.html)  
- [Blog](/content/resources/blog/index.html)  
- [Guides](/content/resources/guides/index.html)  
- [Webinars](/content/resources/webinars/index.html)  
- [Why virtual cards?](/content/resource/the-benefits-of-virtual-credit-cards-for-businesses/index.html)

# Helpful links

- [Help center](https://support.paywithextend.com/hc/en-us)  
- [Schedule a demo](/content/get-a-demo/index.html)  
- [API Docs](https://paywithextend.stoplight.io/docs/extend-api/d1215e3bb6d62-extend-api)  
- [FAQs](/content/faqs/index.html)  
- [Trust Center](https://trust.paywithextend.com/)

# Company

- [About](/content/company/index.html)  
- [News](/content/news/index.html)  
- [Partners](/content/company#partners/index.html)  
- [Leadership](/content/company#leadership/index.html)  
- [Careers](/content/careers/index.html)