Executive Vice President of US Operations for Roam Global.

Dean is a co-founder of TransferMortgage with Frank McKelvey. TransferMortgage is making homes more affordable for buyers and helping sellers get the best price in their market. By using patent pending data analysis TransferMortgage has identified 8 million homes with low interest rate, legally assumable FHA and VA mortgages and is unleashing massive value for all stakeholders in the real estate ecosystem while reducing property time on market.Working with Real Estate Agents, Real Estate Bankers, State Housing Authorities, Banks’ / Servicers’ Assumption Departments, External Advisors, and many more Frank and Dean identified and patented tools to help today’s home buyers tap into yesterday’s interest rates. They worked with leading real estate information companies to access and analyze mortgage data and created unique Scorecards for the nearly 1 in 4 houses that has an assumable mortgage that can assure sellers top price and save buyers significant amounts of interest. TransferMortgage is proud to enable homeownership for many who cannot afford to purchase a home at all and to enable others to purchase the home of their dreams despite rising interest rates that represent real hurdles to home ownership and home affordability.We welcome inquiries from real estate agencies and mortgage providers

Working with Top-tier, global consulting firms and in direct consulting engagements I help companies: -Define their payments strategies-Optimize their payment processes-Evaluate compliance program-Understand emerging financial technologies such as crypto currencies, the block chain, and real-time payments.My focuses include:- Merchant Positioning in the US Payments Ecosystem- Merchant Payment Strategy Development and Execution- Merchant Payment Cost Optimization- Acquirer / Processor / Gateway RFP Development and Management- Acquirer / Processor / Gateway Agreement Negotiation- Operational Support for Merchant Payment Systems- Installment / Buy-Now-Pay-Later engagement support- Cryptocurrency / Blockchain Startup Support- Support for Regulatory / Legislative Engagements Focused on the US Payment System- Payments-related Compliance Gap Analysis and Remediation.- Project Management with a Focus on Strategic, Complex, Cross-Functional Initiatives. I am also pursuing my other passions: - For Payments as a former Board Member of the Merchant Advisory Group ("MAG") - the voice for Merchants in the US Payments Ecosystem - composed of the Payments Professionals from 165+ merchants with aggregate annual sales of $4.8 Trillion in nearly 600,000 locations.- For Education as Trustee and former Chair of Reading Area Community College ("RACC") which has recently been nominated for a national award for its online learning through the Bellwether College Consortium, which is comprised of award-winning colleges charged with addressing critical issues facing community colleges and recognizing best practices.- For Emerging Monetary / Payments Systems as Chair of American CryptoFed's ("ACF") Board of Directors / Governors. ACF is currently working with Wyoming's Governor, Secretary of State, Director of Banking, and Select Committee for Blockchain and Innovation to develop and deploy a merchant-governed, blockchain-based, monetary and payments system.

Payments Consulting Network (PCN) is a specialist international management consulting network focused on creating value for our clients in the financial services and payments industries. PCN has consultants in Asia-Pacific, North America, Europe and Africa - operating as a virtual team with local presence. Each of our consultants has between 15-40 years of payments industry experience and are specialists in their respective areas of expertise.We are a proud member of Pledge 1%, a global movement that is creating a new normal where companies of all sizes integrate giving back into their culture and values.Our clients include leading financial institutions, retailers, card schemes, payments processors, payment service providers, ATM deployers, charities, technology providers, international consulting firms, charities and industry associations. Areas of industry specialisation include the following payment channels/products: merchant acquiring (POS, e-commerce), ATMs, card issuing, and transaction switching.Client projects have covered: business strategy reviews; market research; new product assessments; payments optimisation, market entry support, business cases and financial modelling; strategic planning; industry benchmarking; RFP support/management; workshop facilitation; technical consulting and support; geospatial analysis; M&A opportunity analysis; industry events and conferences.

Supporting Consulting Engagements with Top-Tier, International Consulting Firms. Direct Engagements with Fintechs and Crypto Currency start ups. Focuses include:- Merchant Positioning in the US Payments Ecosystem- Merchant Payment Strategy Development and Execution- Merchant Payment Cost Optimization- Acquirer / Processor / Gateway RFP Development and Management- Acquirer / Processor / Gateway Agreement Negotiation- Operational Support for Merchant Payment Systems- Installment / Buy-Now-Pay-Later engagement support- Cryptocurrency / Blockchain Startup Support- Support for Regulatory / Legislative Engagements Focused on the US Payment System- Payments-related Compliance Gap Analysis and Remediation.- Project Management with a Focus on Strategic, Complex, Cross-Functional Initiatives. I am also pursuing my other passions: - For Payments as an Ex-Officio Director of the Merchant Advisory Group ("MAG") - the voice for Merchants in the US Payments Ecosystem - composed of the Payments Professionals from 165+ merchants with aggregate annual sales of $4.8 Trillion in nearly 600,000 locations.- For Education as Trustee and former Chair of Reading Area Community College ("RACC") which has recently been nominated for a national award for its online learning through the Bellwether College Consortium, which is comprised of award-winning colleges charged with addressing critical issues facing community colleges and recognizing best practices.- For Emerging Monetary / Payments Systems as Chair of American World Money's ("AWM") Board of Directors / Governors. AWM is currently working with Wyoming's Governor, Secretary of State, Director of Banking, and Select Committee for Blockchain and Innovation to develop and deploy a merchant-governed, blockchain-based, monetary and payments system.

Boscov's is the largest independent privately owned department store in the U.S. with sales in excess of US$1.2 Billion.Responsible for Private Label Credit Card Program, Stored Value Card Program, Payment Systems, Internal Consultancy, Policy and Procedure and Compliance.Previous responsibilities have included: Policy and Procedure, Internal Audit, Accounts Payable, Central Inventory Control, Sales Audit and Payroll, Credit and Collections

Managed all operational aspects of PFCU's Visa portfolio.

Supervision of small group of collectors. Collection of past due credit card debt