Most recently holds the position of GM & Lead Consultant for a large FinTech SaaS providing a dynamic leadership ability, balancing an analytical skill set with a keen sense of management acumen. Prior experience managing payment portfolios processing billions in monthly settled payment volume. Over 20 years of payment industry experience with both large and small acquiring bank ISO/MSPs, Payment Facilitators, and acquirers specifically within the areas of Underwriting, Risk Management, Portfolio Operations, Customer Service and Technical Support. Proven track record of establishing successful risk mitigation techniques through well-defined risk levels,acceptable MCCs, prohibited merchant types, and underwriting / onboarding strategies for all market sales channels on low-risk brick and motor merchants, E-Commerce merchants, Petroleum merchants, Hotel/Lodging merchants and several high-risk verticals.Solid understanding of Reg E, Credit Card Deposits (NACHA rules), PCI-DSS, Dodd Frank, Gramm-LeachBliley Act, Fair Credit Report Act, CFPB, KYC, ACH, Wires and Payments.

A member of the Electronic Transaction Association (ETA), Merchant Acquirers Committee (MAC),Merchant Advisory Group (MAG) Association of Payment Professionals (APP) and the International Association of Financial Crimes Investigators (IAFCI).Has a history of active involvement in the payment processing industry. Has most recently served on the

ETA Government Relations Committee, the ETA Risk, Fraud & Security Committee, the ETA Industry Relations Committee, the MAC Membership Committee, the MAG Petroleum SIG, and the MAG Government Relations Committee.