A realtor and real estate investor since 2005, I am enjoying helping people buy/sell their homes, find great rental properties for investors and help people diversify their 401K investments by buying real estate. In January 2018 I also launched a HOA Management Company to put my 35+ years of Banking and Management experience to work for communities in the Phoenix Metro Area. Still a life-time veteran in ACH and payments processing, I continue to consult and edit a large payments publication.

Giact - a leading provider of Risk Management services for electronic payments helps businesses across all industries manage payment risk and KYC data by providing solutions for account verification, account authentication, funds confirmation and identity validation.

Giact - a leading provider of Risk Management services for electronic payments helps businesses across all industries manage payment risk and KYC data by providing solutions for account verification, account authentication, funds confirmation and identity validation.

PaymentsPLUS provides payment services to help merchants, billers, 3rd Party Payments Providers and Financial Institutions put THE PLUS IN THEIR PAYMENTS RESULTS! PaymentsPLUS specializes in a full suite of risk management tools including a suite of VERIFICATION services, UNDERWRITING tools and RISK Monitoring tools. Payments processing services include ACH, e-check, credit/debit cards, pre-paid cards, mobile and more! Consulting and audit services also available.

Directed daily processing operations to meet all SLA's with processing partners and clients.Directed ACH and Credit Card Risk Management including corporate reporting and client monitoring, counseling and cancellations.

Developed new product strategy to meet the needs of targeted verticals and remain competitive. Directed the implementation of all new products and product enhancements. Worked with sales, marketing, IT, operations, customer service, accounting, and compliance for comprehensive approach for successful, quality and compliant implementation. New products included a CASH Payment Network, Debit Card Only Payments, Loyalty Program, Pre-Fund, Mobile Payments, Mobile Alert Services, Lockbox, Convenience Fee Products, and a Suite of Verification Services.

The positions listed below were with the same organization from 1986 to June 2009 through the following mergers of American Clearing House Association (ACHA), Rocky Mountain Automated Clearing House Association (RMACHA), Payments Resource One (PRO), The National Clearing House Association (NCHA), PaymentsNation and finally Viewpointe Archive & Settlement Services.2008 - 2009 Director - Value Added Services Viewpointe 2007 - 2008 President - ACH Division PaymentsNationAccountable to ACH Division Board of Directors for ACH Division Services including education and certification programs, Rule and regulatory support, national advocacy in ACH, ACH Audit Services, Payments Publications and new product development.1995 - 2007 President & CEO Payments Resource OneAccountable to Board of Directors and the membership of Payments Resource One. Services included Check Clearing House, Trade Association Services including education and certification programs, rules and regulatory support, national advocacy in Check and ACH, Point-of-Sale Network.1986 - 1995 Senior Executive American Clearing House Association (ACHA)Accountable to the President and CEO. Managed the Point-of-Sale Network - CACTUS Switch, Managed the Automated Clearing House Private Sector ACH Operator, Payments Education and Certification Programs, Operations, Audit Services, National Marketing Programs, Check Services including management of the local Check Clearing House as well as remote check clearing groups.

EFT and Retirement Plans:Accountable for operations of the ACH/EFT Department including I&E, quality, balancing, rules and regulatory compliance, risk management, hiring/firing of expert staff, coop calling with Treasury Sales Department to support current and prospect business customers. Also responsible cradle to grave for the banks retirement plan products and operations.

Supervised day to day operations staff and branch support.