***** ***** has 25+ years managing consumer financial service products. Products designed, launched and optimized include ***** s (credit, debit, prepaid, loyalty) and others. Checks, ACH, e-services (Web, ATM, Mobile, e-wallets), wires, Remittances (P2P+B2P). His experience runs the full spectrum of management including engaging large teams, Vendors, ‘blank sheet’ strategic planning, new product development, marketing and sales channel training & development
This includes product & platforn management ranging from in branch, self serve(ATM, IVR), web, mobile, social Media, SEO/SEM, chip &PIN, NFC, Pay/pal, RDC, check acceptance, AmEx's SERVE, ISIS, Bling Nation, Realtime ACH, and more.
In 2010 ***** was Director of Prepaid Products for Walmart Inc; responsible for the Wal-Mart Money ***** (largest GPR portfolio in the world) and Open Loop gift ***** s (Visa + Amex).
This includes owning the P&L, product, pricing, promotion and channels.
From 2005 to 2010 he was with Fifth Third Bank in Cincinnati Ohio. He began at Fifth Third/FTPS as Officer of Merchant Payment Products, designing and launching new B2B products, including gateways to numerous ***** , check, processors. He also served the Fifth Third/FTPS as a subject matter expert on ***** products & financial transaction processing.
 


In 2006 he was promoted to the Fifth Third ***** Issuing Group to re-launch Debit ***** programs and launch Master ***** open loop prepaid gift ***** s and stored value products. In 2007 he was promoted to Vice President of ***** and Payment Products for Fifth Third’s Retail Bank. Responsibilities included defining ***** strategy, defining market niches, and launching products for consumer and small business markets for all ***** products, n June 2009, ***** was awarded additional duties as VP of products for unbanked and underbanked consumers. Products include a general purpose reloadable ***** , a secured credit ***** , Western Union services, low-line short term loans (payday lending), check cashing services, mobile banking diligence and other products.

***** began his career at Sears Roebuck & Co. where he held many credit& Risk, collection, ***** operations and ***** IT management assignments. He was promoted to Sears Corporate Planning in 1982 and served as a founding member of Discover ***** (1984).

He served Discover ***** from its inception in 1984 (a “Dawner“) to 1996 years in management positions in IT, International Planning, Product Development, and as Discover ***** 's Executive head of B2B products.

From 1996 to 2004, ***** was Managing Director of his own executive payment industry-consulting firm, providing his experience and expertise to dozens of clients in the payment systems industry, with a primary focus on delivering strategic planning, and product development. Clients included both major corporations and startups. ***** Has had major roles in, authoring high-level business, sales, and product development plans, and serving in interim executive capacities.