Payments Business and Technology Executive
development and mobile financial services
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.
business, operations and technology executive proficient at developing
strategies, driving business development, mentoring product development,
managing projects, operations, telecommunications and information technology.
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
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.
change manager, influencer, and trouble-shooter with business, operations, and
technology background: security, software development, network design,
telecommunications, transaction processing, database management,
mobile banking and payments.
knowledge and demonstrated expertise in the following areas:
Credit, debit, prepaid and eMoney cards
financial services; Payments, Banking, Loyalty
NFC and Chip Cards
Digital identity, credentials, smart cards, cryptography and security
Transaction processing for payments, healthcare and government
Program and Project Management
Board experience and C-Level interaction
Advisory and committee management
Information distribution systems for commodity, bond, FX and equity trading
Telecommunications starting at the electrical layer
Information Technology as manager and original technician
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, UC.com, Unicate, VanCity,
Verifone and Visa International,
Driving Industry and Country Wide Deployments
Technologies, Atlanta, May 2013 - Present - Director Field Marketing - Payment
Atlanta, Jan 2012 - May 2013 - Subject Matter Expert Payments
Express, NYC, NY, Jan 2011 - January 2012 EMV
Andreae & Associates, Toronto, ON and Atlanta, GA, 2004-2010
Business and technology consultant specializing in the evaluation, design,
planning and implementation of emerging technologies aligned to long-term
business and corporate strategies.
Canada was moving to EMV based smart cards technology “Chip and PIN”.
Various Clients needed to
redefine their canadian operations, product and technical solutions.
Canadian Tire, The Exchange, CUCC, CUETS, Dexit,
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.
Defined solution to
support 600 credit unions and 800,000 MasterCard and Interac debit and
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.
Key members of the executive team could not agree on which alternate
Lighter-Than-Air (LTA) power generation solutions to fund.
Key management and
Toronto, Canada, 2002-2003
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.
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, 1996-2002
and Interim Executive
engagement as technology advisor and mentor to the calling card, multi-media
(Internet Services) and Universal Card Services divisions.
Analysis of markets and industry trends leading to a recommendation to cease
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 Shield of Minnesota:
Led complex data conversion project.
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
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.
secured board approval to expand operations focus on modernizing applications.
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 Card
Mobilizing Technology and Building Infrastructure
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.
London, UK, 1986-1987
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.
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
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.
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%.