AMERICAN EXPRESS CORPORATIONGlobal Card Issuance – Innovation Manager 9/2015 to PresentFocused on issuance innovation and partnering with external vendors to deliver disruptive technologies and best in class solutions. New product development, vendor selection/management, optimizing supply chain, and launching global products. Leverage extensive payments experience to optimize issuance capabilities, new product solutions, and challenge the status quo. • Managed “Recycled Ocean Plastic” card project from concept to global launch, received the prestigious “Edward P Gilligan” Innovation award. • Launched “Centurion Prada” wearable wristband; developing market level token personalization, multiple vendor supply chain, and integration of Thales UK to personalize EMV module.• Developed specialize metal cards with recycled nostalgic metal components, creating premium card solutions for specific markets.• EMV chip lifecycle management, roadmap, full certification, tracking, and EOL migration.• Managed EMV Applet project, developing Amex’s first EMV internal applet in 10 years.• Created “Issuance 101” training series; 1) Card Manufacturing, 2) Metal Card Manufacturing, 3) Perso Bureau, 4) EMV lifecycle and certifications, and 5) System overview.

C5 Group provides Visa/MasterCard Bank Sponsored program expertise for companies that are entering or expanding their payments and Prepaid business line. FinTech startups build a complete banking infrastructure; bank sponsor, federal/state banking compliance, Visa/MasterCard processor/authorizations, card design/production/personalization, transaction settlement, customer service, and marketing. Clients range from entrepreneurial startups to Fortune 100 companies. Strategic product architecture/project planning/roadmap, program management, delivery execution, certification, and national launch services.• Clients include Visa DPS, Visa PlaySpan, TSYS-Kiosk, Better ATM, Charlie’s Cab Card, BBB Trust Card, and Prepaid Medic.• Created Prepaid Medic product concept, building J-hook prepaid medical services in partnership with Blackhawk. • Built complete Bank Sponsor infrastructure for BBB Trust card, including Sunrise bank contract, I2c processor contract, MT&L card manufacturing/personalization, and banking compliance documents.• Obtained Visa variance for ATM dispensed Visa Gift card on 10 mil PET with snap off gift card.

Fortune 100 telecommunications, long distance, and financial services Newark, NJDirector Prepaid Products 4/2005 to 1/2009IDT Financial Services one of the early adopters of Bank Sponsored Prepaid card programs. Fortune 100 telecommunications, long distance, and financial services.• Managed Prepaid product, P&L, roadmap, supply chain, and problem resolution.• Re-launched Visa G2G product as a nationwide secure J-hook retail product. First year sales over $110 mm, second year increasing by 25% to $140 mm; over 4.5 million packages sold!• Slashed Visa Gift to Go delivery cost by 50%, saving over $750,000 per year!• Full PDLC (Product Development Life Cycle), design, and architecture of “SIGO”. MasterCard Prepaid GPR card program on FIS platform. From strategic planning and vision, matrix managed development, to card production and certification.

Industry leader Payments, back office, card management, and risk Scottsdale, AZDirector of GWC & AVS (Global Web Competency and Account Verification Service) 10/1999 to 11/2003• Managed 12 direct reports, offshore development, and onshore data base teams.• Built and managed IDLX Colorado Consulting group; realizing a 30% profit and consistently increased billable hours. • Successfully turned around failing multi-million-dollar risk management project. Took over the project after 2 years of development and no tangible results. Refocused team on delivery, setout major milestones and delivered the code within a year. Over 40+ developers; Onshore/Offshore developers, DBA’s, and etc.

FIRST DATA CORPORATION / WESTERN UNIONFortune 100 Financial Services and Money Transfer company Denver, CODirector of Cash Card | Program Management 8/1997 to 10/1999• Architected and developed one of the first Prepaid Card Programs in the US (Western Union Cash Card).• Complete “Program Management” of Western Union Cash Card and Benefits Quick Cash.• Setup and configured Federal Reserve implementation of Western Union Industrial Bank.• Managed product development in complex matrix managed environment. Successfully presented strategic vision and obtained buy-in from all teams (extended team 60+).

Bank Association Platform; Issuance, Authorization, Switching, Settlement 5/1983 to 8/1997Visa/MasterCard SME; transaction routing, ISO8583, international transactions, SMS/Base 1&2, authorizations, card issuance, exception management, etc.