Enhanced payment solutions products for small to medium-sized banks and merchantsAs executive team member, set strategy, assemble development and operations staff, establish Agile development teams and infrastructure, identify key technologies to extend product offerings, and lead international new product innovation and development. Handle contract reviews and manage customer and vendor implementation and operational issues. Launched new banking platform for two banks.• In CISO role, responsible for all aspects of information systems security for financial transaction processing applications – from specification in application design, through implementation, to routine activities related to PCI, SOX, GLBA, BSA/AML, FFIEC, KYC, audits and compliance.• Specify, implement, and sustain secure network for banking and financial processing facility.• Created and implemented full lifecycle controls addressing information systems security for financial applications.

Innovation in Bio-ID, 2D Barcode, and payment card productsAfter sale of RBA International, Veritec created VTFS, its financial services division to continue the development of its own Visa® debit card platform. Executive team member focused on strategy, leading implementation and certification of the platform, working with customers and vendors to assure smooth and uninterrupted implementations, and continuing the development of technology, process, operations, service, and governance as needed for new features, compliance, and expense optimization.• In CISO role, responsible for all aspects of information systems security for financial transaction processing applications – from specification in application design, through implementation, to routine activities related to PCI, SOX, GLBA, BSA/AML, FFIEC, KYC, audits and compliance. • Specify, implement, and sustain secure network for banking and financial processing facility.• Created and implemented full lifecycle controls addressing information systems security for financial applications.• Designed and led construction of a Visa® debit card loyalty platform, which supplied retail clients with more reliable customer information and better strategic planning opportunities.

Information technology engineering firm providing consulting, global bank and financial products, and processing as a service. Clients included Visa USA, Hewlett-Packard and DoCoMo Japan.Co-founded and grew the company for 15 years until its eventual sale in 2008. Oversaw technology, operations, finance, legal and sales. Drove planning, budgeting, and strategy, and managed a team of 30+ developers. • Ensured Visa USA’s international compliance with FFIEC directives by creating a strategy for information security governance across six newly created international regions.• Provided a spot-on assessment for Visa USA, benchmarking the Information Security Organization (ISO) for cost and structure (SEI/CMM) effectiveness. Evaluation confirmed by two separate audits conducted by Big Four accounting firms.• As CISO, responsible for all aspects of information systems security for financial transaction processing applications – from specification in application design, implementation, to routine activities related to PCI, SOX, GLBA, BSA/AML, FFIEC, KYC, audits and compliance.• Designed, built and deployed the first prepaid cellular products for Japan’s world-leading mobile operator and provider of comprehensive mobility solutions. • Evaluated and advised on organizational effectiveness and change for Hewlett Packard’s global telecom and networking team, which adopted all recommendations.• Led full product lifecycle efforts – concept through operations – for over three generations of Visa prepaid debit card processing platforms, partnering with First Data/Star, EDS, and eight banks as Visa issuer and TPS (SaaS for FI’s), all of which were successfully brought to market.