Founded Community Pass, a social impact business that digitally enables scalable service delivery of critical services to emerging markets and marginalized segments. The CP integrated platform stack delivers financial institutions, MNOs, and fintechs/agtechs/ healthtechs, access to on/off-line digital rails that power digital service delivery with a consistent user experience across payments and non- payments transaction services. Modular, API construct enables 3rd party access to Identity, multi-wallet, POI and data micro services. Based on a franchise construct, Community Pass enables ecosystem interoperability, driving scalability across diverse set of actors. Community Pass data architecture optimizes for consumer security and privacy. Layered onto the digital rails, Community Pass has innovated award-winning B2B2C solutions in humanitarian aid, education, healthcare, agriculture and micro commerce for the base of pyramid populations.

Developed partnerships across ministerial level government, and CEO level INGO/ development organizations gaining deals across 40 + markets. Innovated the Mastercard Aid network, a digital transaction solution enabling NGOs to digitally deliver humanitarian assistance to millions of beneficiaries across 10 markets. Won payment innovation of the year, “greatest innovation changing the world” from several publications, called out as driving Mastercard being named Fortune’s top10 most inspirational companies. Secured $19mm PPP investment grant from Gates Foundation to establish Innovation lab focused on digital services for the poor. Built and grew Smart Communities Coalition into a multi-lateral public private partnership model securing first partnership with USAID Power Africa and with over 30 donor, NGOs and private sector members.

Recruited to be first CEO of Mobile Payment Solutions, a joint venture between MasterCard and Smart Telecommunications that leveraged the intersection between mobile telecommunications and electronic payments to build a new, integrated, payment ecosystem. Launched platform in 10 markets around globe and brought in house to Mastercard, opening new customer segment for Mastercard with mobile money operators and central banks serving unbanked and underbanked consumers.

Promoted to run $800 mm Revenue, 60+ member, cross- sell business spanning three flagship product businesses, and later engineered split into core and run-off businesses. (Citicorp/Citi Holdings) Built strategic plan to accomplish 10X growth in product development by developing customer need led segmentation strategy, and diversifying vendor set to fuel product development pipeline. Built innovative multi-million dollar internet portal delivering customized card member experience for 40mm base, expected to drive over $150mm in 5 year EBIT and double online sales.

Managed P&L for Debt Protection, a $500 mm business across Citibrands and Partnerships portfolios, including a suite of credit insurance products. Exceeded Sales and EBIT Plan expectations and demonstrated 6% YOY growth in year when the Cards business posted YOY losses. Grew marketable universe and product distribution through multiple new channel launches, including 100% YOY lift in one product line via POS sales. Delivered 16% reduction in expenses by negotiating more advantageous terms with vendors/suppliers. Managed a 20 member group achieving 17% increase across VOE metrics.

Started and managed business cross-selling Retail Bank products to Cards customer base. Grew business from zero to a run rate of 100,000 new customer acquisitions per year. Built strategy and go-to-market, launching acquisition programs in seven online, paper and phone channels within 6 months. Worked cross-business to negotiate channel volumes, secure resources, establish program infrastructure previously not in place, and managed complex inbound phone sales channel technology project. Managed marketing execution, including targeting, test design and creative development establishing champion offers by channel. Negotiated and managed new vendor contracts to develop new incentive structures that achieved lower costs per acquisition and higher quality offers to drive higher customer satisfaction.

Selected 1 of 9 Executive Committee sponsored global leadership program to groom candidates for senior management. Operations: Optimized voice operations offshored to India across 9 cities and 4 vendors in India.Finance: Analysis uncovered sales process improvement and uncovered source of declining sales trend Online Marketing: Led re-design of CBusOL web pages into user-friendly, product-focused, format to drive sales.Risk: Developed Credit Line Increase strategy to increase Hispanic segment profitability and customer retention.

Political Officer- China and North Korea Specialist. Reports presented to President, DIrector, FBI, and Pacific 7th Fleet Commander. Consular Officer - Jointly managed 20-person Mandarin speaking staff in Beijing, accountable for 130,000 annual visas.