Meet the Experts

Combining a passion for business with an engineer's logic, I have a knack for translating econometric analyses into plain English. I travel the world explaining the economic forces shaping the future, consulting with client executives and presenting at conferences from London to Singapore and throughout the United States.

As co-founder and Managing Director of Insight Consultancy, a niche consulting and training company specializing in payments, I have an extensive track record in developing profitability models and payments strategies in Europe, Africa and Asia. I have a background in issuer and acquirer profitability and have helped hundreds of banks across the globe optimize their payments portfolios.

With nearly 25 years of payment industry experience, including 14 years with Visa, I am responsible for providing economic analysis and business intelligence to Visa executives and clients. My insights on the payments industry, leveraging Visa’s proprietary VisaNet data assets and experienced team of economists, help companies identify the trends that matter most to the strategic direction of their businesses and customers.

I am the founder and Managing Partner of Intuition International Ltd., a management consulting and executive training company specializing in electronic payments. I have more than 35 years of experience in advising banks across the world on the strategic, product development, risk management, profitability and digital marketing components of consumer payment programs, including debit, credit and prepaid cards.

As Global Head of Risk Strategy and Operation, I assess how key security trends are transforming the payments landscape, determine the technology, processes and analytics necessary for Visa and its partners to keep pace and develop the roadmap necessary to realize our mission to be the most trusted payments network in the world. Previously, I have led initiatives within Visa's Global Product Commercialization group, providing insights on emerging payments trends and delivering innovative solutions that enable our partners to deliver seamless and secure payment experiences to their customers.

I oversee Visa’s Global Design team and network of 12 Innovation Centers and Studios around the world. I lead new product exploration teams, located in Berlin, Beijing, Dubai, London, Mexico City, Miami, Moscow, New York, San Francisco, Sao Paulo, Singapore and Warsaw, to develop and commercialize emerging growth opportunities for clients through prototypes and market pilots of new commerce experiences.

Over the course of 23 years in the payments industry, I have been involved in innovation, digital and emerging payments and leading global go-to-market and risk teams. In my current role as Global Head of Risk Capabilities, Strategies and Solutions, I ensure that Visa remains the leader in protecting the payments ecosystem. I’m responsible for developing and executing the global risk strategy while leading key risk innovation initiatives, risk management information systems (MIS), risk operations, data security and brand risk.

I am responsible for Visa’s interchange and pricing globally, as well as a variety of strategic and business development activities in the United States. I also support Visa’s legislative, regulatory and litigation settlement initiatives in North America. I previously held roles at Visa in both corporate and product strategy. Prior to joining Visa in 2000, I held positions in management consulting and investment banking.

With Visa since 2012, I am the Global Head of Prepaid, where I lead one of Visa’s highest-margin and fastest-growing businesses, serving government disbursement, fintech, cross-border, gig economy and digital wallet use cases at scale. Prior to this role, I was Product Office Lead, responsible for developing the capabilities for the Visa Offers card-linked platform used today by more than 55 million cardholders and 14,000 merchants in 30 countries.

With 30 years in the payments business and most in debit, I have had the opportunity to help build the debit business from its infancy. In my current role as Global Head of Debit at Visa, I am responsible for driving the growth and evolution of Visa’s debit product offerings, which generate over $3.5 trillion in annual payment volume and are issued by Visa clients in every region and country we serve.

I lead the Digital Standards and Strategic Projects organization that oversees digital payment standards with a focus on new and emerging technologies, payment methods and security solutions. I have extensive experience in developing groundbreaking payments and processing products, driving critical strategic initiatives, accelerating revenue growth, reducing costs and creating competitive advantage.

I joined Visa in 2019 as Global Head of Credit and Core Product Strategy. This is my second stint at Visa, having held a variety of corporate and product strategy roles with the company from 2004–2011. My experience in payments has spanned corporate strategy, product strategy and product innovation for several of the leading companies in the payments industry.

I specialize in statistical modeling and consulting for the financial services industry. I have developed and implemented new applicant, behavioral, collection (pre- and post-charge-off), targeting and revenue scorecards and segmentation systems for various organizations throughout the world. I co-founded Scoring Solutions, Inc. in 1993, before it was acquired by Lending Science DM, Inc. in 2017.

I lead the global team focused on common issues and opportunities across Visa's consumer credit, debit and prepaid product platforms. Prior to my current role, I was group country manager for Singapore, Malaysia and Thailand and led Visa's relationship management with key global clients in the Asia Pacific (AP) region. I also previously led Visa's Risk Management function in the AP and CEMEA regions and served as Visa's head of global interchange.

I oversee all Visa operations in more than 90 countries in the Central and Eastern Europe, Middle East and Africa (CEMEA) region and cultivate relationships with Visa customers and government officials. I have been with Visa since 2002, in global product, strategy and pricing positions, as well as general management positions in Russia and Sub-Saharan Africa, and I am a member of the President's Advisory Council for Doing Business in Africa.

I lead a global team focused on developing interchange programs to drive payments volume and expand the Visa network. A 15-year veteran of the interchange team, my previous responsibilities included managing interchange strategy for North America and negotiating interchange rates with merchant clients around the world.