Product & Technology leader experienced at envisioning, developing & managing SW and HW products for both B2C and B2B. Creates value by transforming teams, sharpening focus, raising quality and speeding up delivery. Ex-Chief Product Officer at Verifi (a Visa Company), where I led multiple teams with a focus on innovating new Fintech products and services. Oversaw product vision, strategy, roadmap, design, and development.As Chief Product Officer of Mobikon built and scaled payment-enriched SaaS consumer engagement MarTech platform for F&B merchants.As VP of Product at Verifone led RetailTech transformation to smart payments, developer APIs, app marketplace, connected devices, mobile apps, on-terminal media apps & cloud POS solutions.Former, Head of Product at Citi Enterprise Payments focusing on consumer mobile payments. Productized Citi's implementation of Apple Pay & launched 3 Citi Wallet, Citi's first NFC Wallet (w/ location-based contextual Offers, Loyalty & eCoupons).Pioneer of Nokia Mobile Financial Services & ran Technology Strategy & Partnerships to launch Nokia Money, a Neobank stored-value & pre-paid wallet in Asia. Possess a broad expertise-set across opportunity scoping, product/solution management, business development, project management & commercialization gained while working with customers & partners across Europe, US & Asia. Delivering game-changing innovation to market by listening to customers, learning from competitors, & cultivating an inspired & motivated team. Unique experience in launching mobile products in both developed & emerging markets. Proven success in Human Centered Design & holistic User Experience & how to apply it to product strategy, features & functionality.Experience across the Commerce Continuum* Shop: MarTech, RetailTech, Mobile Offers, Coupons, Loyalty, Marketplaces, Direct to Consumer, Omnichannel * Spend: FinTech, PaymentTech, Payments, Risk & Fraud, POS, Wallets, Crypto* Live: PropTech, Lending * Data: Analytics, ML, AI* Use: Mobile, IoT & Connected Devices