§ Microsoft Certified: Azure Solutions Architect Expert since 2020.§ Certified Information System Security Professional (CISSP) since 2008.§ Principal inventor with twelve patents in U.S.A. & Europe in the field of information security.§ Google Scholar Profile: https://scholar.google.com/citations?user=TgK2mP4AAAAJ&hl=en&oi=ao§ Proven achiever with exceptional knowledge of banking security, chip card e-payment systems, computer cryptography, strong authentication for on-line and mobile applications.§ Excellent research skills with over eight years of applied research experience as a senior research scientist in developing innovative systems for automatic target recognition and image analysis at Honeywell Inc.§ Strong technical and academic background combined with over thirty years of experience in software development in various platforms and languages such as node.js, Ada, C,C++,C#, Java, LDAP, Linux, RADIUS, RSA, SQL databases, UNIX, Visual Studio, Web Services, XML, Android Apps & APIs.§ Subject matter expert in PKI, biometrics, strong authentication technologies, EMV chip card & mobile payment systems, multi-factor authentication, risk based fraud detection, and digital signature at Citigroup Inc.§ Extensive software development experience and project management skills, including design and implementation of complex systems such as an EMV Level 2 application kernel certified by EMVCO in 2003 and 2004 (Cert. ID: 21745 0604 400 20 RFI and 21882 0405 400 20 RFI), a real-time parallel processor run-time system, a distributed operating system for automatic target recognition, and an innovative anti-fraud one-time password soft token solution with token management system for mobile devices.§ Author of parallel processing and pattern recognition publications.§ Speaker at computer architecture and information security conferences.Specialties: Banking and transaction security, chip card ePayment systems (e.g. EMV, Paypass), mobile phone banking/payment security, computer cryptography, biometrics, PKI, multi-factor authentication, natural language parallel parsing, signal/image processing algorithms and architectures.