• Integrating fiduciary leading practices into personal financial technology solutions to protect assets and mitigate risks• Protecting and managing complex personal affairs, property, assets, and medical care for individuals and families• Decision-making for crucial financial matters and health care as the legally responsible person of highest trust• Ensuring financial sustainability, physical health and mental well-being of individuals to enjoy meaningful lives

• Creating and managing specialized teams within large (1000+) and small (5 person) projects at financial service clients• Proactively asserting subject matter expertise for compliant payment card processing and emerging mobile money transfers• Introducing Thought Leadership to help bank clients mitigate errors during payment processing and mortgage foreclosures• Promoting new business development to enhance existing engagements and to launch fresh new client relationshipsSuccessful client engagements:• Mobile Payments. Managed team for the acquisition integration of a leading mobile money transfer provider into world’s largest payment card network that extends closed loop mobile money systems into a future interoperable open loop mobile money transfer network among multiple Mobile Network Operators (MNOs) in the developing world. Supported business development planning to achieve financial inclusion for world's unbanked population via mobile device money solutions.• Payment Gateway. Enhanced global payment gateway and payment card tokenization for world’s largest software maker to offer electronic downloads and future consumer device sales plus warranty repairs in 196 countries and 52 currencies.• Mortgage Foreclosure Compliance and Remediation. Lead team for regulatory audit of a top 5 US bank’s foreclosure processes from mortgage loan origination through first legal action referral to foreclosure sale completion. Developed subject matter experts for active duty military foreclosure protection and interest rate protections in compliance with law.

• New product development and future launch of frictionless person-to-person money movements via new technologies• Converging mobile devices and progressive social interactions for sending and receiving money via low cost ACH routing• Creating profitable new revenue sources and progressing ‘freemium’ flexible price strategies for future online banking• Monetizing innovative transaction solutions created within Well Fargo Labs Incubator for quick public launch to customers• Rapid rollout of new financial services to replenish lower revenues by recent regulations over traditional bank account fees

• Initiated and evolved Visa loyalty platform strategy, product planning, system development, and future enhancements• Introduced fresh concepts for new profitable business relationships and global localization of bankcard loyalty programs• Presented new revenue opportunities to Member Banks and Payment Processors at Visa Business Enhancement workshops• Launched new technology systems that increase profits and Visa brand retention for bank members and vendors• Progressed multiple loyalty solution projects benefitting Credit, Debit, Commercial and Cross Platform payment products• Authored Features & Business Requirements for Enhancement Management System (EMS) and Account Level Processing• Assessed Compliance, Key Controls & PCI validation to mitigate all potential risks for new Visa payment products• Published Visa Technical Letter Updates for Member Banks and Processors to enhance payment systems

Reporting to VP Merchant Payment Solutions. This division handles PayPal and EBay bankcard transactions worldwide.• Strategic payment processor development for mobile commerce, biometrics, micropayments and multicurrency processing• Created & evolved highly profitable and compliant bankcard sponsorship programs for non-bank payment processors• Defined & executed non-bank processor acquisition strategy, alliances, and internal bank cross selling opportunities• Evaluated emerging technologies, demographics, and global competition to identify what’s “hot” among new processors• Created pricing, negotiated contracts, identified risks, managed government regulatory & bank compliance policy.• 35% Profit Increase per transaction fee; 255% Total Annual Transaction Volume increase via non-bank processors

Co-founder. Open Gates is an independent management consultancy specializing in the development of strategic alliances with Microsoft Corporation. Exclusively focused on emerging technology businesses and start-up management education outside North America, Open Gates contracts to the Australia Commonwealth Government new enterprise incentive scheme, CSIRO- Commonwealth Science and Industrial Research Organisation and various state-funded incubators

Reporting to Senior VP Worldwide Strategic Alliances. Gemplus is the world leader in smart card solutions and chip card shipments.- Initiated & Directed Strategic Partnership with Microsoft Corporation to integrate smart card security software as new technology within Microsoft Windows2000- Launched new security software GemSAFE (Smart Card log-on & Card Management System) and GemSTART (Windows-powered Smart Card) as the first security software products to be Microsoft Certified for Windows2000- Managed worldwide partnership marketing, channel development, co-development and beta pilots in alliance with Microsoft.- Evangelized Smart Card, Wrote Press Releases, Published White Papers, Video-taped Customer and Alliance Partners Testimonials. Invited-Speaker at Microsoft Global Summit, Comdex 1999, Comdex 2000, Smart Card Dev Conference- Promoted smart card technology as contributing member to technology Standards Boards

Reporting to CEO. Segasoft was the independent software spin-off from Sega of America to focus on PC & Internet gaming.- Created E-Commerce opportunities for online gaming network Heat.net, Segasoft.com and Sega.com- Strategic planning and product development of ‘Transactor’ – an entertainment-specific e-commerce revenue program that brings the essence of real-world market economy to Internet gaming using virtual ‘Limited Edition Digital Objects’ (LEDOs). Exclusively for Segasoft multiplayer online games, subscribers can electronically buy, sell and trade LEDOs such as trickery weapons, characters, unique super-abilities, information and other game-enhancing assets. Transactor digitally creates, distributes, tracks and micro-payment bills for LEDOs- Project managed Transactor’s co-development with outsourced software developer PostLinear (San Francisco)- Launched and expanded Online Store, Internet Payment Scheme, Membership, Loyalty Program and Alternate Currencies

Reporting to NationsBank VP Government Banking Division / Brattli Consulting. This division marketed new financial services to the US Federal Government and Agencies. NationsBank and Bank of America merged in 1998.- Wrote competitive e-commerce technical bid (“RFP”) for multi-billion dollar US Government Purchasing Card proposal- Product development for US Gov’t mandate “All Federal Agencies Payments to be Electronic by 1999”- Specialized in Visa/MasterCard Internet Payment Schemes, Online Bank Technology & Bankcard Interchanges

Reporting to Director, MSN Financial. MSN–The Microsoft Network was the first Internet product created by Microsoft and was launched simultaneously with Windows95• Launched Internet payment operations and financial operations for MSN-The Microsoft Network• Grew MSN Internet Service Provider membership from launch to 2 million paid subscribers within 2 years• Authored proprietary Internet billing system functional specifications built on WindowsNT and SQL Server• Directed strategic relationship with First Data Corporation for future global payment software and e-commerce services• Aggregated MSN subscriber e-commerce transactions worldwide from 52 countries in 18 currencies for batch processing• Negotiated worldwide payment processing agreements for Visa, MasterCard, American Express, Discover and JCB• Specified development and implemented worldwide fuzzy logic fraud detection, chargeback and refund operations.

Reporting to Director, Microsoft Online Business Services Group.• Launched MSN - The Microsoft Network Business-to-Business services and grew to 1 million paid subscribers• Initiated and negotiated new strategic partnerships with third party online content providers to maximize MSN revenues• Communicated complex technical specification, training and online business development to Microsoft partners