With 30 years of experience in project management within the Canadian and US credit union marketplace, DD is recognized for her expertise in project management, operational processes and subject matter expertise in banking, payments and settlement systems.DD is a tireless champion of credit unions. She relishes a challenge, and brings her unique blend of fearlessness and compassion to ‘mission impossible’ projects – the complex and multi-organization projects that have seemingly impossible timelines, delivery schedules and/or budgets.DD has an uncommon ‘end to end’ understanding of payments and settlement. She understands the business and operational requirements and processes, including implementation, conversion, processing, settlement, balancing and reconciliation.DD's payment stream expertise encompasses cheque clearing (paper and image), Automated Funds Transfer (AFT/ACH - direct deposits and pre-authorized debits), electronic bill payment, EMV/chip debit card production and transaction processing, ATM and POS device deployment and transaction processing. She is well versed in the various payments industry rules, standards and processing such as Base24, Payments Canada (formerly Canadian Payments Association) rules and standards, domestic card networks such as Interac, Acculink and Exchange and international card networks such as Visa/Plus, Mastercard/Cirrus/Maestro, Discover, as well as US regional networks such as Co-op, Shazam, Pulse and NYCE.