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 ACI Worldwide, 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 the Smart Card Alliance and US Payments Forum (nee EMV Migration Forum)
  • Has first-hand experience with transaction processing systems, including ACI's Base24 switch, 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