
Rick Hensbergen
Founder and CEO
Rick trained as a mechanical engineer and went into risk management, which led him to software testing. He spent the next twenty years in banking, leading testing and quality teams around the world for major banks in the United States and the United Kingdom.
The systems were real-time payment platforms: critical to the banks that ran them, crossing borders and jurisdictions, and held to regulatory deadlines that did not move. At one bank he was responsible for everything between design and production, from the infrastructure and architecture to the testing that decided whether a system went live.
He was approved by the UK's Financial Conduct Authority as a Senior Manager (opens in a new tab) at Metro Bank, under the Senior Managers Regime, which holds named individuals personally accountable for their areas of a regulated firm.
Esther began there. Rick had led testing teams of several hundred people, and much of their effort went into finding basic problems. As AI matured, he saw that it could do that routine work more efficiently and more thoroughly, leaving people free for the work that needs judgment. He built Esther to keep the discipline banking demands: every call traceable to evidence that someone else can check.

