Payments expert with over 30 years of experience in all parts of the payments world: merchants, card issuers, networks, and processors. Roles have included strategy, marketing, new products, sales, operations and finance at Bank of America Merchant Services, Mastercard, and American Express. Consultant to investors, startups, and multi-nationals. Interim COO of CentSai; Senior Advisor to Agora.  Recent work includes product strategy, acquiring improvement, mobile commerce, and technology assessment. President of NYPAY, a NYC-based organization where payment leaders and Fintech innovators meet to learn and network. Member of US Payments Forum and the US Faster Payments Council.  Frequent speaker at industry events.