16+ years of BA/BSA experience in VISA and MasterCard issuing and acquiring processing: debit and credit cards, corporate cards, EFT, smart cards, card personalization, transaction switching, clearing, settlement, disputes, transit fare cards, POS, ATM, ABM, VAP, ISO8583, EMV, VSDC, MChip, Global Platform, Base I/II, VIS, Banknet, Verified by Visa, and MasterCard SecureCode, Base 24, TSYS, and ESP-Link

16+ years of BA/BSA experience in security techniques, PIN, MAC, HSM, and key management, including PKI, DEA, and PCI DSS