Consultant and subject matter expert in electronic payment systems with over three decades of experience with financial transaction processing and security in the banking, mobile phone, and healthcare industries. Has significant expertise and demonstrated leadership in all the provision of systems and services for credit, debit, prepaid EMV, NFC cards and mobile payment processing. Also knowledgeable in the fields of payment and cyber-security systems, online fraud detection and mitigation, IoT payments, encryption and data security, and authentication technologies.
Formal Education
- M.B.A. in Management & Marketing, City University of London
- M.S. in Computer Science, University of Manchester
- B.S. in Electronics, University of Sussex
Career Highlights
- While at a major financial services company, worked with major banks and financial institutions, to define, design, develop, and implement integrated large scale smart card, payment and transaction processing solutions
- Co-author of white papers with leading industry standards organizations
- Has first-hand experience with transaction processing systems, including major transaction processing switch systems, several card management systems and multiple data preparation and test tools solutions
- Named inventor on a pair of issued U.S. patents relating to patient identification and access to medical records via mobile phones
Expert Qualifications
- Submitted an expert report and a rebuttal report and was deposed as an expert witness in a major dispute between a large group of merchants and two card brands in U.S. District Court on the implementation of EMV/contactless and their U.S. debit transaction processing fees and relating to both card and mobile payments
- Expert witness for a lawsuit brought by a group of merchants against a handset manufacturer and regarding access to the hardware and contactless antenna of the device
- Retained as an expert witness for a case involving a large payments processor and an ISO in relation to technical issues relating to how certain ATMs were not certified in time for EMV migration and fraudulent transactions became the liability of the ISO
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Frequently Asked Questions
What types of cases can this expert support?
They've testified in federal court on EMV/contactless implementation and debit fee disputes between merchants and card brands. Can support cases involving card security, mobile payment systems, fraud detection, and payment processing architecture.
What is this expert's technical background?
30 years in financial transaction processing. Education: BS Electronics, MS Computer Science, MBA in Management. At ACI Worldwide, designed large-scale payment systems for major banks. Co-authored white papers for the Smart Card Alliance and holds patents in mobile payment technologies.
What technologies does this expert specialize in?
EMV, contactless, NFC, chip + PIN, smart cards. Security side: encryption, cryptography, fraud detection, authentication systems. Also covers databases and electronic commerce platforms.
- Chip + PIN and EMV payment systems
- Cryptography and data encryption/security
- Databases
- Electronic commerce
- Fraud detection
- NFC and contactless payments
- Smart cards
- U.S. District Court