Payments Business and Technology Executive
product development and mobile financial services
experienced executive with an exceptional record of
accomplishments. Delivering proven results in business environments
constrained by tight budgets, limited execution time frames and complex
user requirements. International experience with payment solutions
ranging from credit and debit cards to ACH, wire and mobile.
A business, operations and
technology executive proficient at developing strategies, driving
business development, mentoring product development, managing projects,
operations, telecommunications and information technology.
and executed staff/expense/capital reduction process improvement
programs, reducing 72 staff to 49 and budget by >30%.
the consortium that crafted the EMV specifications reducing
reducing worldwide payment card fraud by
50% with 1.5 billion cards and 23 million terminals deployed.
international experience implementing, evangelizing, and developing
technologies in financial services, , healthcare
claims processing, energy, and government.
success in business environments constrained by tight budgets, limited
execution time, and complex requirements.
change manager, influencer, and trouble-shooter with business,
operations, and technology expertise.
technology background: security, software development, network design,
telecommunications, transaction processing, database management, mobile
banking and payments.
Thorough knowledge and
demonstrated expertise in the following areas:
debit, prepaid and eMoney cards
financial services; Payments, Banking, Loyalty
NFC and Chip Cards
identity, credentials, smart cards, cryptography and security
processing for payments, healthcare and government
and Project Management
experience and C-Level interaction
and committee management
distribution systems for commodity, bond, FX and equity trading
starting at the electrical layer
Technology as manager and original technician
and implemented solutions for companies including Accenture, ACI,
Anderson Consulting, AT&T, AT&T Unisource, Bank of Montreal, Blue
Cross Blue Shield of Minnesota, British Telecom, Caledon, Canadian Tire
Financial Services, Carlson Marketing, CGI, Chemical Bank, Citibank,
CUCC, CUETS, Dexit, EF Hutton, GlobeID, IBM, Magenn Power,
MasterCard International, MBank, Meridian
Credit Union, Merrill Lynch, National Westminster, NCR, Novida, Ontario Ministry of Justice, Oracle, Paybox, Philips SemiConductor,
Phoenix Technologies, Prudential Bache, RSA, Shearson Lehman Brothers,
Smith New Court, The Strawhecker Group, UC.com,
Verifone and Visa International,
Industry and Country Wide Deployments
Technologies, Atlanta, May 2013 – Sept 2017 - Director Field Marketing -
Atlanta, Jan 2012 - May 2013 - Subject Matter Expert Payments
Express, NYC, NY, Jan 2011 - January 2012 EMV Product Manager
Andreae & Associates, Toronto, ON and Atlanta, GA, 2004-2010
and technology consultant specializing in the evaluation, design,
planning and implementation of emerging technologies aligned to long-term
business and corporate strategies.
Situation: Canada was moving to
EMV based smart cards technology “Chip and PIN”.
Various Clients needed to
redefine their canadian operations, product and
Clients: Lowe's, Canadian Tire, The
Exchange, CUCC, CUETS, Dexit, VanCity
Result: Created various strategies,
plans and business cases.
necessary changes to 1800 instances of a point of sale system, central
payment switch and new settlement and reconciliation systems capable of
supporting a peak of 3,000,000 transactions per day.
solution to support 600 credit unions and 800,000 MasterCard and Interac debit and credit cards.
strategy to manage migration to EMV for 2 million MasterCard and 450
member of team that produced response to Qualification resulting to be
selected as one of the three bidding for the $250+ million program.
Situation: Key members of the
executive team could not agree on which alternate Lighter-Than-Air (LTA)
power generation solutions to fund.
management and organizational changes.
Canada, Toronto, Canada, 2002-2003
President, Emerging Products and Technologies
of the executive committee mandated to reinvigorate the group responsible
for driving the adoption of new products and technologies in support of
the 23 member banks. Key objective: launch
Chip and PIN – EMV.
Foreseeing a growth
in fraud, led the Visa Canada Board to approve the roadmap for the
implementation of EMV based smart card or “Chip and PIN”.
dialogues with MasterCard and Interac with the
goal of getting them to also embrace Chip and PIN.
series of initiatives to position Visa in the contactless, mobile,
pre-paid, co-branded, transit and debit.
Visa Canada at the Visa International Global Product Development Council.
Management and Strategy
Andreae & Associates, Brussels, Belgium and St Paul, Minnesota,
and Interim Executive
engagement as technology advisor and mentor to the calling card,
multi-media (Internet Services) and Universal Card Services divisions.
GlobeID: Analysis of markets
and industry trends leading to a recommendation to cease further funding.
Interim executive - Director Financial Services Consulting Europe Middle
East and Africa, initiated the development of a Center of Excellence to
provide country teams with key Business and technical consulting
Blue Shield of Minnesota:
Led complex data conversion project.
Unicate BV: Multi-year
engagement focusing on developing the “go-to-market” strategy for a new
technology capable of proving irrefutable proof of identity
International (Europay International),
Brussels, Belgium 1991-1996
assignment: assumed the role of Interim General Manager of European
Payment Systems Services (EPSS), and served as member of executive team
responsible for merging EPSS, EuroCard, and
secured board approval to expand operations focus on modernizing
technology developments and implemented quality improvement.
Board to triple the size of the IT division.
Key leader of
the consortium that developed EMV, the international standard for Smart
Technology and Building Infrastructure
New Court, London, UK, 1990-1991
as consultant responsible for evaluating technology RFPs for Smith New
Court (major UK stockbroker) and its new London trading room
Lehman Hutton Ltd., London, UK, 1987-1990
President and Director, European Telecommunications
the strategic directive and rebuilt confidence in the telecommunications
department. Boost departmental confidence while reducing headcount
by 30% and capital equipment and annual expenses by 25%.
Successfully integrated EF Hutton trading staff (aquired
in 1988) into operation while continuing to streamline costs and staff.
Brothers, London, UK, 1986-1987
President, Telecommunications / Operations Manager
as Project Manager of a £170 million project to develop Salomon’s UK
headquarters, completed on budget and on time, assuring Salomon’s success
as a market maker when London dematerialized and deregulated the stock
market. I managed a team of 23 people responsible for European
Scale IT and Infrastructure Project Management, New York, NY, 1982-1986
technology, capital markets, brokerage, and construction expertise to
assure the success of clients building new trading rooms on Wall
management and project management roles with National Data Corporation,
Manufacturers Hanover Trust, Bankers Trust and Chemical Bank. Early
career exposure to broad range of programming languages, systems design,
operations research, call center operations and planning, network
management, computer operations, product control, quality control,
broadband and LAN/MAN/WAN network technologies and project management
techniques including CPM, I-J and PERT.
featured speaker at company-sponsored events and international trade
associations including Lafferty, NCR, ACI, VeriFone, Carte, EFMA European
Finance Management Association, Europay, Tender
Retail, and EFTA Electronic Funds Transfer Association.
Bachelor of Business Administration (BBA ‘76), Emory University, Atlanta
A U.S. and
Swiss Citizen with work permits for
Canada and Europe. Will consider relocate and business travel +50%.