Meet The Team

Mike Kratzer - Founder / CEO

Mike sold his first company, Lower Fees, Inc., to (NYSE:RATE), the number one consumer finance website, in 2008. Founded in 2004, Lower Fees, Inc. (owner of, was a consumer based financial web portal relating to real estate and mortgage transactions.

After the purchase by, Mike remained CEO of and joined the board of Bankrate. Revenues and organic traffic increased during his tenure. After Bankrate, Mike developed several IOS apps for Mike Krzyewski (Coach K) and David Falk (FAME), as well as “Get In My Belly” and “Inspire Me”.

In 2012 Mike founded citytwig. With over 25 million validated and verified businesses and professionals, citytwig is one of the largest databases encompassing millions of unique data points and records. Recognizing that we are awash in data, including reviews and star ratings, Mike developed a proprietary scoring system to consolidate important and actionable information into a confidence and opportunity score.

Mike’s expertise has made him a regular on national news media. He has appeared in special features on CNBC, CNN ABC, NBC and The New York Times.

Mike holds a Master’s of Science (MS) in Clinical Psychology and a Master’s of Business Associates (MBA) from California Lutheran University. He completed his residency in Psychology at County USC Hospital, and has been published in the American Psychological Association (APA) Journal.

Robert J. Werner - President / COO

Robert joined citytwig in 2015 as CFO before becoming President and COO in 2017. He is responsible for overseeing all areas of business operations, management of corporate relationships and investor relations.

Previously he served as Executive Director of Anfield Capital Management LLC, an investment management firm founded by former PIMCO executives, where he focused on client relationship management, asset building and strategic planning. Prior to Anfield, Robert served as a manager at PricewaterhouseCoopers.

Robert joined his first startup in 2000, backed by Jim Clark of Netscape and John Chambers of Cisco, as a Principal of

Robert earned a Juris Doctor degree, cum laude, from St. John’s University School of Law and holds a BA in Communications from the State University of New York at Albany. He was an Editor for the St. John’s Law Review and is a retired member of the New York State Bar Association.

Tanner Kratzer - Senior Vice President

Tanner is responsible for data acquisition, integrity and accuracy. He manages several teams of specialists targeting real-time business verification methodologies.

Over the past two years Tanner has expedited the citytwig database expansion. He has worked closely with several Fortune 500 companies on pilot programs illustrating various commercial applications of the citytwig database and RiskEngine (e.g. Verizon, Facebook, H&R Block.)

Tanner joined citytwig in 2014 after a successful stint on the professional golf tour. He attended PGA Qualifying School and has competed in numerous professional tour events.