Seasoned payments expert and respected thought leader with over 20 years in the payments industry, including roles at American Express and Mastercard. In-depth understanding of technology and regulatory impacts on traditional and emerging payments including networks, issuers, acquirers and new entrants; co-authored over 100+ equity research analyses. Consulting expertise includes market analysis and segmentation, card program strategy and assessment, RFP management, strategic work-stream leadership and implementation across issuers, retailers, retail banks and other payments players. NYPAY Board Member, US Federal Reserve Faster Payments Task Force Member including participation in the Interoperability Working Group.