Richard Witkowski Email & Phone Number

Mahwah, New Jersey, Us

Pin4 Cardless Cash is a patented technology that enables banks, remittance companies, promotional companies and other businesses to instantly deliver cash to consumers via their mobile phones. The consumer receives a text message with credentials used by the consumer to obtain their cash at any enabled ATM without having to use a card, have a bank account or share any card or account details. Pin4 is used for domestic and cross-border P2P transfers, rewards/rebates, emergency cash, disaster relief and many other purposes. Pin4 Cardless Cash has been operating in Spain for over 8 years under the brand HalCash and has processed millions of transactions representing hundreds of millions of dollars.In the U.S., the Pin4 Cardless Cash solution is distributed by Pin4 in partnership with Mastercard International and Cross River Bank under the brand Mastercard Cash Pick-Up™. For more information, please visit www.pin4.com or www.mastercard.com/cashpickup.

• Provided Strategic leadership in the successful marketing and placement of two large credit card portfolios with new insurers.• Serve as senior architect and strategist for the design and implementation of loyalty-based programs.• Successful in the establishment of carded loyalty and rebate programs utilizing stored value products.• Managed several loyalty initiatives in electronics, on-line music, automotive and retail sectors.• Clients include all major card associations, issuing banks and national retail merchants.

New York, Ny, Us

Responsible for strategic direction setting, partnership development and enterprise platform operations.Contributions Include:• Provided financial support and oversight in the securing of three rounds of venture funding to support product development and enterprise expansion.• Provided partnership management to key clients and new business relationships.• Led the investments in operational expansion to establish formalized Project Management, Quality Assurance and Enterprise Reporting capabilities.

Where independent film makers meet HollywoodIn my role as President / COO and co-founder we were able to successfully raised venture funding to support cash needs for the first three years of development and company operations. My responsibilities included Finance, Operation and IT. The focus of the company was to identify independent film makers and support their art by showcasing their content on iKlipz and creating introduction to Hollywood studios and insiders to help market their films in an effort to bring it mainstream. The company was identified in 2007 as one of the “killer startups” to follow by the Hollywood Reporter, L.A. Times and Variety magazine

Tokyo, Jp

• Serve as senior architect and strategist for the design and implementation of loyalty-based programs globally. • Direct management responsibility for implementation and management of program activities including United States of America, Europe, Latin America and Asia.• Established key metrics and market criteria to evaluate opportunities on a region by region basis.• Formulated a strategic relationship with Visa International to support regional expansion opportunities.• Designed a flexible and efficient “tool kit” which regional business units can utilize to leverage existing infrastructure and operational components of Sony Card and My Sony business models, as appropriate.

Serve as business head responsible for strategic planning and direction setting for the Sony Rewards and Sony Card businesses.• Maintained key role in the negotiation for a separation agreement between Sony and Citibank which resulted in the offering of a $1.4 billion receivable portfolio and over 900,000 customer relationships.• Directed the issuance of an RFP to facilitate the transition of the Sony Card portfolio to a new issuer.• Headed the due diligence process of evaluating nine potential new partners for our card program • Led the negotiation with Chase to transfer the Sony Card portfolio and develop an ongoing growth strategy. The negotiation resulted in a significant premium being realized by Sony as well as an investment guarantee of 100+ million dollars and a revenue guarantee of 100+ million dollars over the contract term.• Senior manager responsible for designing business strategy and supervising project team to deliver Sony’s first customer loyalty program.• The “MySony” program currently accounts for more than 4 million relationships and provides in excess of 20 million dollars in program revenues. • Successfully established business agreements with Sony Music, Sony Pictures, PlayStation and Sony Electronics to deliver information content, reward opportunities and support for MySony as the only company wide loyalty program.