Philip E. Andreae
 Business, Technology and Operations Executive

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Who Is Philip

What make me tick

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As a Consultant



International Payments Business and Technology Executive

New product development and mobile financial services


Executive Summary


An internationally 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. 



Crafted and executed staff/expense/capital reduction process improvement programs, reducing 72 staff to 49 and budget by >30%.

Founded 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.

Broad international experience implementing, evangelizing, and developing technologies in financial services, , healthcare claims processing, energy, and government.

Consistent success in business environments constrained by tight budgets, limited execution time, and complex requirements.

Elite change manager, influencer, and trouble-shooter with business, operations, and technology expertise. 

Broad technology background: security, software development, network design, telecommunications, transaction processing, database management, mobile banking and payments. 

Skill Summary


Thorough knowledge and demonstrated expertise in the following areas:

  • Credit, debit, prepaid and eMoney cards
  • Mobile financial services; Payments, Banking, Loyalty
  • EMV, NFC and Chip Cards
  • Digital identity, credentials, smart cards, cryptography and security
  • Transaction processing for payments, healthcare and government
  • Resource management
  • Change Management
  • Program and Project Management
  • Board experience and C-Level interaction
  • Influence management
  • Advisory and committee management
  • Information distribution systems for commodity, bond, FX and equity trading floors
  • Telecommunications starting at the electrical layer
  • Information Technology as manager and original technician


Customer Summary


Created 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,, Unicate, VanCity, Verifone and Visa International,  


Driving Industry and Country Wide Deployments


Oberthur Technologies, Atlanta, May 2013 – Sept 2017 - Director Field Marketing - Payment NA


Accenture, Atlanta, Jan 2012 - May 2013 - Subject Matter Expert Payments

American Express, NYC, NY, Jan 2011 - January 2012 EMV Product Manager

Philip Andreae & Associates, Toronto, ON and Atlanta, GA, 2004-2010


Management Consultant

Business and technology consultant specializing in the evaluation, design, planning and implementation of emerging technologies aligned to long-term business and corporate strategies.

Strategic Highlights:


Situation:  Canada was moving to EMV based smart cards technology “Chip and PIN”.

Various Clients needed to redefine their canadian operations, product and technical solutions. 

Clients:  Lowe's, Canadian Tire, The Exchange, CUCC, CUETS, Dexit, VanCity

Result:  Created various strategies, plans and business cases.  


·         Architected 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.

·         Defined solution to support 600 credit unions and 800,000 MasterCard and Interac debit and credit cards.

·         Wrote strategy to manage migration to EMV for 2 million MasterCard and 450 stores.

·         Key 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. 

Impact: Key management and organizational changes.


Visa Canada, Toronto, Canada, 2002-2003

Vice President, Emerging Products and Technologies

Member 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.

Strategic Highlights:

·         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”.

·         Entered into dialogues with MasterCard and Interac with the goal of getting them to also embrace Chip and PIN.

·         Introduced a series of initiatives to position Visa in the contactless, mobile, pre-paid, co-branded, transit and debit.

·         Represented Visa Canada at the Visa International Global Product Development Council.


Business Management and Strategy


Philip Andreae & Associates, Brussels, Belgium and St Paul, Minnesota, 1996-2002

Consultant and Interim Executive

Strategic Highlights:

·         AT&T:  Three-year 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.

·         Oracle EMEA:  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 resources. 

·         Blue Cross 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


MasterCard International (Europay International), Brussels, Belgium 1991-1996

Director IT Strategy

Initial 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 Eurocheque.

·         Planned and secured board approval to expand operations focus on modernizing applications.

·         Drove new technology developments and implemented quality improvement.

·         Convinced the Board to triple the size of the IT division.

·         Key leader of the consortium that developed EMV, the international standard for Smart Card payments.


Mobilizing Technology and Building Infrastructure


Project Manager-Consultant

Smith New Court, London, UK, 1990-1991

Served as consultant responsible for evaluating technology RFPs for Smith New Court (major UK stockbroker) and its new London trading room 


Shearson Lehman Hutton Ltd., London, UK, 1987-1990

Vice President and Director, European Telecommunications

Reset 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.


Salomon Brothers, London, UK, 1986-1987

Vice President, Telecommunications / Operations Manager

Served 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 telecommunications. 


Independent Consultant

Large Scale IT and Infrastructure Project Management, New York, NY, 1982-1986

Leveraged telecommunications, technology, capital markets, brokerage, and construction expertise to assure the success of clients building new trading rooms on Wall Street 


Early Career Highlights

Technology, 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. 


Public Speaker

A 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.


Education: Bachelor of Business Administration (BBA ‘76), Emory University, Atlanta GA



A U.S. and Swiss Citizen with work permits for
Canada and Europe.  Will consider relocate and business travel +50%.