A Product Cannot Live on Dogfood Alone Toby is the Director of User Experience at Simple, where they are working to craft the best personal banking experience around. As one of the first employees at the company, he helped design and build a modern approach to banking from the ground up. When he's not helping build his dream bank, he's either listening to metal, playing the drums, or making things out of leather. He lives in Portland, Oregon with his wonderful wife and the 2 cutest kiddos around.