Innovative payments industry leader and entrepreneur specializing in business strategy, new products, marketing, business development and competitive assessment. Broad experience including credit/debit/corporate/purchasing cards, merchant processing, mobile payments, ATMs, B2B and P2P. Senior management positions with American Express, Chemical Bank, Mastercard and MBNA. Founder and CEO of 3 payment venture funded start-ups. Managed over 100 consulting projects with extensive international experience having worked in 15 countries. Possessed US Top Secret security clearance for payments impact on national security. NYPAY Board Member, former American Marketing Association Board Member and Mastercard’s Merchant Acquiring and Commercial Card Committees Chair.