Senior risk management, security and product consultant with deep and broad experience in the payments, banking, m-commerce, e-commerce, and enterprise software industries.

Expert in building profitable products and ecosystems where security, trust and usability are key priorities: mobile and online payments, digital wallets, branchless banking, cloud based services, digital identity systems, and enterprise networks. Keen understanding of emerging technologies, evolving threat and vulnerability trends, and business drivers. Core competencies include:

 Business Process – Payments (credit, debit, prepaid, smart cards, ACH, GIRO, clearing & settlement, chargebacks, dispute resolution, V/MC/AX operating rules); Transaction Security (consumer & business KYC, account onboarding, profile management, authentication, authorization, nonrepudiation, fraud detection & analysis); Information & Cyber Security (audits, risk assessments, threat modeling, strategy, policy, architecture, compliance (PCI, ISO ***** , COBIT, SSAE 16, AML, GLBA, US & EU privacy laws, external audit preparation & response, application & network security, incident management, business continuity, physical security, investigations); General Technology (application development, standards development, process engineering).

 Technical – Payments (smart cards, contactless, NFC, magnetic stripe, POS terminals, TSMs, gateways, transaction switches); Data Security (encryption, MFA, PKI, biometrics, HSMs); Application Architecture (web multi-tiered, mobile apps); Network Architecture (Internet, GSM, Ethernet); Physical Security (access management, surveillance.

 General Business – program & project management, product development, bridging business & technical organizations, business models & plans, technology & vendor evaluation, entrepreneurship, strategic business development & marketing, mergers & acquisitions, partnerships, international expansion, management consulting, interim executive.

Past employers include Visa, HP (VeriFone), CommerceNet, CrossCheck. Consulting clients include Visa, Bank of America, Wells Fargo, RBC, TD Bank, Intuit, CyberSource, Javelin Strategy, NTT Data, SMI-Hyundai, Richemont, and multiple startups, strategy consultancies, expert networks and law firms.

Internationally recognized speaker and media commentator in the area of building security and trust in remote transaction channels. US citizen with extensive global experience (lived and worked in Singapore, United Arab Emirates, United Kingdom and Dominican Republic, with significant business exposure in 25 other countries).