Founded Windward Strategy in 2020 to specialize in strategy consulting in commercial / B2B, business, and consumer card payments. Windward serves payments issuer, network, fintech, processor, and corporate clients in:● Launch strategy, landscape assessment, business requirements, organization model, functional requirements, and tactical launch support● Cross-function diagnostics. Identification of where to invest and inhibitors to address● Market lens research to inform business planning and investment● Insourcing or outsourcing, collaterals, training, and conversions support● Accounting / GL line items / GL entry and daily settlement support● Card program / fintech valuation and buy / sell-side strategy support● Senior Advisor roles encompassing the above

Co-led B2B payment practice in the U.S. and Canada, managed a team of six to eight colleagues, and sold and delivered 35 projects for a global leader in strategy consulting that acquired First Annapolis Consulting in 2017.• Led monthly Managing Director and Senior Manager new business development meetings.• Built a project-level revenue model to map internal data sources towards enhanced practice area clarity.• Initiated and led an in-person 2020 payments strategy planning meeting for ~25 Managing Directors.• Synthesized market insights with primary research and forecast modeling while leading a team to recommend a B2B payments strategy for the CEO of a $80 billion market cap payments technology firm.• Benchmarked commercial card program performance while leading a team to identify and prioritize a dozen strategic and tactical recommendations for a top-three U.S. bank – many of which have been implemented.• Researched business payments in eight country markets for the world's leading e-commerce company.

Led a team of six to eight colleagues to sell and deliver 189 client assignments for a boutique payments strategy consulting firm of ~75 consultants.Partner: June 2006 – March 2017Principal: January 2002 – June 2006Associate - Senior Associate: July 1996 – January 2002• Managed a cross-functional team developing a card pricing and rewards strategy, credit risk strategy, business forecast plan, business requirements, vendor selection, technology integration, and test planning for a two-year credit card program implementation at the largest insurance company in Canada. Other loans, including credit cards, have reached close to $2 billion in balances per public disclosures.• Built commercial card growth strategies for nine of the top-10 U.S. banks, the six largest Canadian banks, five major European banks, and three payments networks in the U.S., Canada, Colombia, Mexico, and Peru.• Prepared program launch strategies, card pricing and rewards strategies, credit risk strategies, business forecast plans, and vender selection and negotiation for multiple U.S. regional banks considering re-entry into credit card issuing. Each program currently serves hundreds of thousands of banking clients.