A Career in Three Phases


I graduated from Emory University with an interest in finance, market, telecommunication, and computers.

While working at National Data Corporate, I received a 4-year course in computer sciences and learned about the world of money transfer systems, cash management services, call center operations, and credit card billing systems.

The next step in my education project management.  I specializing in the design and integration of voice video and data into the trading rooms on Wall Street and the City of London. As a technologist, I focused on serving the needs of those trading securities, be they currency, bonds, commodities, or stocks.

My next career step was “right-sizing” and further automation of trading processing including order matching and international settlement.


During this period while living in Europe, I shifted from capital markets to consumer payments. As a member of the management committee and Director of Information technology of Europay International, I focused on renewing technology, expanding markets, and developing new payment products.

The rise in card-related fraud and the need to manage risk led to Europay, Mastercard, and Visa (EMV) to unite with the goal of defining international standards to design and upgrade the security of credit and debit payment cards.  It was collectively agreed to develop the EMV specifications.

After publishing the EMV specifications, PA&A was formed where I focused on offering executive and consulting services to entities such as Oracle, AT&T, IBM, GlobeID, Philips, Unicate, Unisource, NatWest, Visa Canada, American Express, Lowe’s, and Accenture.


Back in the USA, I shifted my focus to completing the work of implementing EMV.  The United States, the last developed economy, finally recognized it was time.  As a subject matter expert with Oberthur Technologies, my focus was to drive the United States to embrace EMV while simultaneously working on the global stage to establish the standards for digital authentication.  While on the Board of FIDO Alliance where I was Secretary, my focus shifted to the wider concerns of authentication and digital identity.

Today, I am a:

    • Subject Matter Expert in the field of payment schemes, systems, and technologies
    • Product evangelist and public speaker
    • A leader in the development of international standards
    • Advocate for the use of blockchain and cryptocurrencies
    • Thinker on the evolution of mobile payments
    • An advocate for a solution to digital identity based on verifiable credentials

A career on the leading edge of technology

Oct 2017 – Present PA&A – Consultant focused on digital payments & identity, cybersecurity, cryptocurrency, and innovation
Sea Island, GA

May 2013 – Sept 2017 – Oberthur Technology now IDEMIA – Evangelist promoting the use of EMV as a means of securing credit and debit cards
Atlanta, GA

Sept 2013 – Sept 2017 – Secretary of the FIDO Alliance driving global standard for digital authentication
Atlanta, GA

Feb 2012 – May 2013 – Accenture – Subject matter expert in payment systems
London, England; Atlanta, GA; Houston TX

Jan 2011 – Jan 2012 – American Express – Global Product Manager & member of EMVCo
New York, NY

Jan 2004 – Dec 2010 PA&A – Advisor to merchants and financial institutions as they considered EMV deployment strategies
Toronto Canada; East Coast USA

Sept 2002 – Nov 2003 – Visa Inc. – Vice President responsible to drive the board to embrace “EMV” chip smart cards and deploy 3D-Secure to secure card payments
Toronto, Canada

July 1996 – Aug 2002 – PA&A – Advisory, interim executive and strategic consultant to a variety of firms considering their role in payments and the use of cryptography as a means of authentication
La Hulpe, Belgium; St Paul, MN

June 1991 – June 1996 – Europay International Now MasterCard – management committee member focused on IT, strategy, security, and industry standards
Waterloo, Belgium

June 1990 – June 1991 – Smith New Court – Program Manager responsible for integrating voice, video, and digital services to serve capital market trading professionals
London, England

June 1987 – May 1990 – Shearson Lehman Hutton – Vice President Telecommunications – Right-sized the operation, reducing CAPEX, FTE, and OPEX by >25%
London, England

June 1986 – June 1987 –  Salomon Brothers – Vice President responsible for designing and implementing the technology for the largest London Security trading floor
London, England

Feb. 1982 – June 1986 – PA&A – Subject matter expert responsible to design and implement the data, voice and video technologies serving Wall Street trading rooms. Including Citibank, EF Hutton, Prudential Bache, Bank of Montreal, Chemical Bank, Bankers Trust
New York, NY

July 1980 – Feb. 1982 – Manufacturers Hanover Trust – Project analyst supporting the design and implementation of a network to interconnect all MHT offices & data centers
New York, NY

June 1976 – July 1980 – National Data Corporation– An on the job degree in the breadth of information & telecommunications technologies
Atlanta, GA