Innovation DirectorLead design and construction of Visa Innovation Centers in San Francisco, New York and Miami.Lead client innovation collaborations with Fortune 100 clients seeking to develop new products and services in their markets. Highlights include:* "No Checkout Lanes at the Store" an RFID and smartphone based retail shopping pilot enabling payment without checkout lanes. * "Car & Gas Station Automatic Payments" allowing cars and drivers to be automatically authorized when the pull into a gas pump, no card swipes or button presses required.* "Instant Issuance direct to smartphone" where in-store card applications can be instantly approved then digitally issued and installed into a customer's phone.Lead rapid prototyping teams to explore new product opportunities within corporate technology investment themes including:* "Smart Cars, Smart Contracts" a blockchain based smart car and smart contract governance prototype that includes embedded payment device in the car for tolls, fuel, service, etc. * "Sensor Fusion" an interactive retail experience that utilizes multiple sensor systems (Bluetooth, Cameras, Wifi) to identify and track shoppers in a crowded retail environment.* "Paying in Virtual Reality" a demonstration of how Visa Checkout can be used in VR, including voice recognition.* "Everywhere Wall" an interactive touch wall displaying merchandise that can be selected and added to a customers basket on their phone.Strategist, Futurist, Innovation LeaderSupporting internal teams and people as an innovation coach by providing guidance, support and recognition within the organization to innovators.InventorSeveral patent filings and awards (see Google's Patent Search)

Enterprise Payment ArchitectureWork with Fortune 100 enterprise payment teams to design and develop globally scaled payment gateways. Design for security, flexibility, and resilience in payment acceptance, payment processing and payment reporting. Assist client executive teams in developing strategic payment roadmaps by providing guidance on scaling, acquiring, security and cross-channel integration.Develop customized solutions to integrate products/services with customer enterprise payment systems.

Lead architecture and design teams for existing and next-generation Natural Language Processing system for automated essay scoring.

Lead Architect for refactoring a critical legacy enterprise system.

Responsible for divisional enterprise architecture spanning 12+ products/services across 5 business units.

Lead TSYS initial forays onto the web, developing applications for TSYS commercial card products.

Early employee, software developer, team manager, wrote one of the first web credit card statement applications n 1996!