Asked to relocate to Shanghai to add Greater China (mainland, Hong Kong and Taiwan) and Korea to my Japan responsibility. Executing a partial turnaround in greater China:• Overhauled the onboarding model for transit cards to enable much more rapid adding of new cities by using third party service providers• Launched the transit cards of 15 new Chinese cities (as of July 2021) in record time onto Apple Pay. Most of any geography anywhere in the world for Apple• Implemented new commercial construct waiving upfront refundable service fees to drive adoption. Now transit cards from all cities on the Apple Pay platform have no fee• Negotiated distribution partnerships for prepaid transit cards with China's leading E-Commerce giants, including launching Nanjing, Xiamen, and Tianjin transit cards through Alipay mini-programs• Launched the QR code of the BJ Metro (亿通行) over NFC on the Apple Pay platform. First time ever an operator-sponsored credential has been implemented over NFC. First ever postpaid account-based transit credential on Apple Pay. Accomplished with no central Apple development engineering resources• Launched Octopus transit card in Hong Kong onto Apple Pay with all three major payment schemes supporting reload in Apple Wallet (Visa, MasterCard and China Unionpay)

Volunteered to relocate to Tokyo to launch Apple Pay in Japan:• Developed the strategy, engaged key external partners, negotiated contracts, influenced key internal Apple design and engineering partners and recruited the team• Launched Suica, the transit card of JRE, the world's largest transit operator, in October 2016. Now one of the most successful mobile transit schemes globally• Pushed for creation of "Express Transit" waiving TouchID or FaceID for transit transactions despite internal opposition. Now the global transit standard• Secured best commercial terms, spending commitments, and launch coverage of any major Apple Pay launch globally• Launched the Pasmo transit card in October 2020 after five years of discussions• Convinced Linepay, one of Japan's leading QR payment schemes, to launch on Apple Pay. First QR scheme globally to launch on Apple Pay

Recruited to join the Apple Pay team six months before the launch of Apple Pay in the U.S. • Drove the internal planning process with Apple's engineering teams, leading to the launch of loyalty and private label cards with iOS 9 in 2015• Developed the expansion strategy into other categories (particularly transit) and new geographies, including Japan

Founded a startup focused on reinventing how consumers apply and get underwritten for consumer credit, especially consolidation loans, targeted at consumers who are more creditworthy than their credit scores suggest. Business model was powered by three innovations: • A transparent product construct that rewards customers for responsible use of credit• Supplementing existing credit score-based underwriting models with a cash flow-driven underwriting process using new emerging data sources• Leveraging digital marketing channels to drive originationDeveloped a highly equity-efficient "techfin" model working in partnership with banks. Developed detailed business plan, and engaged multiple banks as balance sheet partners

• Identified several ground-breaking mobile innovations for 2014/15 to drive distinctive customer experience and reduce cost in legacy channels. Focus mainly on Retail Banking and Credit Card• Developed strategy and organizational blueprint for new Chase Digital organization combining mobile and online channels. Identified substantial opportunities to achieve cost savings, acquire new customers through digital channels, and enhance customer experience

• Led development of JPMorgan Chase's network strategy, leading to the launch of ChasePay. Member of Executive Leadership Team with exposure to all operating aspects of the business• Developed Digital Transformation Roadmap for Card Services line of business identifying $100MMs of cost savings opportunities and market-leading innovations in mobile (e.g., mobile fraud alerts)

I was a partner in McKinsey's New York office and one of the leaders of the McKinsey Payments Practice. ~50% of my work was in consumer and small business credit, ~25% in other aspects of payments (retail banking, networks, debit, processing, acquiring) and the rest in a wide range of specialty finance and related businesses (B2B, cash management, prepaid)• Most of my work focused on strategy, growth and innovation, with some organization and cost transformation. I was known for my deep content expertise, problem-solving, creative thinking and passion for understanding customer behavior• Together with others, I pioneered the use of customer insights interviews in financial services, as a way to identify innovations that appeal to customers and drive value in the business. Personally interviewed >1,000 Americans and Canadians from all walks of life on most aspects of consumer financial services behavior• Distinctive track record of tackling some of the credit and payments industry’s most challenging problems, particularly those driven by regulatory and technological change, slowing growth and shifts in the value chain • Recognized for distinctive problem-solving leadership and winning competitive pitches

Co-founded Swift Financial with Ed Harycki, formerly CEO of MBNA's Business Lending division. Swift Financial's objective was to use lines of credit and remote deposit capture to access the lucrative checking account balances of small businesses

Fixed Income, Currencies and Commodities Division, London