At Oberthur Technologies, Philip Andreae, Vice President, Field Marketing, Payment, North America, provides clients an in-depth understanding of EMV and what it takes to introduce EMV in the U.S. He supports all of Oberthur Technologies’ EMV business development efforts and compliments and further expands and defines the company’s EMV offer in order to meet new requirements merging in the U.S. Philip is also the Secretary of the Board of the FIDO Alliance. Over the last 20+ years, Philip has been actively involved in the payment industry and the evolution of EMV. While at Europay International, he was the executive responsible for driving the creation of the consortium that developed the EMV specification. At Visa Canada, Philip was a primary catalyst in the country’s migration to EMV. He helped define American Express’ global acquiring and issuing of EMV contact, contactless, and mobile strategies and provided management consulting and subject matter expertise in the fields of EMV, mobile, and card payments at Accenture. Philip successfully operated as a strategic consultant in both Europe and North America and worked with clients such as AT&T, Canadian Tire, Lowe’s, Verifone, and IBM.

Deborah Baxley is an international mobile/cards payment consultant, recognized expert in the industry, creator of growth strategies for new and existing markets with more than 20 years’ experience consulting to cards and payment companies. She specializes in retail financial services, mobile payments, credit cards, technology strategy and business model development. Through her work in fifteen countries, she has advised issuers, acquirers, networks and processors on product direction and competitive positioning, delivering millions of dollars in new revenue or operating cost savings. As board member of Smart Card Alliance, member US Federal Reserve Faster Payments Taskforce, co-founder of NYPAY and through frequent keynote speaking and writing, she is recognized for insights on the future of retail payments. Some of her most recent articles include “Blockchain’s Disruption of Banking Has Already Begun,” in PaymentSource, and “Apple Pay, a catalyst for the contactless industry” in TechRadar. She is a featured expert on PR Marketplace.

Francois BAYLOT is heading fare collection strategy & product policy of Thales. Francois has taken an active leadership role within Thales to make Thales’ TransCity solution one of the most complete and state-of-the-art available in the market. Francois was previously in charge of fare collection Innovation within Thales. During more than 10 years, Francois directed projects, in particular for the nationwide fare collection of the Netherlands, one of the largest interoperable solutions worldwide. Francois was also involved in various ticketing projects, such as in Denmark, Dubai, Auckland or South Africa. Before joining Thales, Francois worked in various positions for Bull, Motorola and Oberthur Technologies.

Marcelo Bellini Garcia started his career in 1993 in Computer Design Systems, he joined Morpho in 1998 as sales manager. In 2001 he was appointed Sales and Marketing Director and later VP Sales Payment in South America. In 2011 Marcelo was relocated to Colombia and worked as Managing Director of Morpho Cards de Colombia. In 2014 Marcelo was relocated to the USA and worked for Morpho NA as Managing Director and VP Sales Payment. Since July 2015 Marcelo has been appointed Managing Director of Morpho do Brasil SA and VP Sales Latam Region. Marcelo Bellini was a founder member and the first Chairman of Smart Card Alliance in 2008-2009.

With nearly 20 years of payments experience, Troy Bernard leads marketing and product development at CPI Card Group, which includes EMV, mobile payments, and instant card issuance. Prior to joining CPI in 2015, Bernard served as Director of Digital Payments for Discover Global Network, where he managed the commercialization efforts of the Discover Digital Exchange, a digital mobile payments tokenization and provisioning engine that powers Discover’s participation in Apple Pay and other third-party wallets. From 2010 to 2014, Bernard was director of Discover’s Chip Center of Excellence, responsible for the global EMV and NFC payment product strategy, deployment, and technology across the Discover and Diners Club payment networks. Troy has been a member of the Smart Card Alliance for over 10 years and served as a Board member during his time at Discover Global Network. During this time, he and his team contributed to a large number of work products and recruited new SCA members. In addition to serving on the SCA Board, Troy led Discover’s efforts to become the 1/6th shareowner of EMVCo®, and subsequently was appointed as their representative on the EMVCo Board of Managers and Executive Committee.

David Bibby is a member of the EMVCo Board of Managers, representing Discover Global Network. David is currently Senior Manager in the Discover Chip Centre of Excellence and leads Discover’s product management team, which develops and manages contact and contactless EMV products for Discover Global Network and its global partners. During a career in the chip card industry spanning more than 20 years he has worked for payment schemes and technology vendors in technical and product management roles. David holds a BSc in physics from King’s College, London.

As Chief Technology Officer at the MBTA, David Block-Schachter works on projects that make the T easier to use. Among others, these include fare systems that speed up buses and allow you to pay with your phone, real time information that reduces wait times and stress, a responsive and accessible website, and the open data and APIs that support all this. David was formerly the Chief Scientist and CTO at Bridj. He has lots of degrees, including a Ph.D from MIT. He doesn’t drive, which probably explains a lot.

Ernst Bovelander is Chief Business Officer at Brightsight, the Netherlands. Brightsight is the number one security lab in the world. Ernst is working in the information security business for close to 30 years. He has gained his experience is projects with clients from a variety of domains, including banking, defence, automotive, medical and governments.

Kenneth Boyle brings to G+D Mobile Security decades of domestic and international program and product management experience in both public and private sectors. Currently, Kenneth is a leader on G+D’s global wearable team providing guidance and structure throughout the customer lifecycle. In the past year, Kenneth managed the successful commercial launch of a Global Wearable Enablement Platform to address payment as its first vertical and to shape the roadmap for verticals such as transit, physical and logical access, and event ticketing. G+D Mobile Security has established active industry partnerships to bring the latest in payment technologies to the market with the highest levels of security to protect consumers and issuers.

Graeme is the Vice President of Marketing and Head of Products at Multos International. He has worked in the smartcard industry for 20 years, ranging from product management to business development and sales management covering EMV, identity and the emerging IoT markets. Graeme spent 4 years based in the US to expand the America’s region business for the company, working on government programs and the initial EMV migration projects in the territory. He is now based in Sydney leading the product management and marketing programs, and supporting the organization’s growing regional sales and technical services network.

Thierry Burgess is currently CEO at ASK-intTag, LLC, a manufacturing company, specialized in RFID cards and secured documents located in Essex Junction, VT. Prior to joining ASK, Thierry held various positions at Oberthur Technologies and HP/Verifone and. Thierry is a veteran of the smart card industry , having started his career as an engineer at Schlumberger, Smart Cards Division in 1987. Thierry holds an Applied Physics Degree from Ecole Normale Superieure Cachan (Fr) and a MS in Electrical Engineering (Universite Paris Sud / Orsay).

Andy has over 26 years of experience in sales, print production, supplier management, card manufacturing and personalization. As a manager in Marketing Operations at JP Morgan Chase, he was responsible for teams that managed over 70M plastics in annual issuance. His role as Key Account manager at Oberthur Technologies positioned him to manage client EMV migrations both domestically and internationally. More recently, Andy has leveraged his banking operations experience and customer focused perspective to effectively partner with clients to develop both physical in-branch and digital card issuance models in support of issuer’s and cardholder’s desire to transact immediately.

Conrad is a Co-Founder of Pronto CX, a smart event platform which integrates ticketing, payments, and other key components of live events. Pronto uses NFC powered smartphones, wearables, and smartcards, offering the best combination of speed, security, and ease of use for in-venue transactions. Prior to launching Pronto, Conrad spent over a decade leading KPMG Consulting projects for enterprise and international banking clients in the US, the Netherlands, and the UK. His background is in data & analytics, product management, and SaaS. Conrad earned his MBA credentials from the Chicago Booth School of Business.

Andrew Churchill has over 20 years experience working in security within Government, Industry and Academia, in particular cyber security and financial crime, leading the UK cyber crime task force, and as subject matter expert on a European Union cyber crime and terrorism programme. He is currently Standards Director for MIDAS (Mobile ID/Authentication Standards) Alliance, lead author of the British Standards Institute Digital Identification & Authentication Code of Practice, and Digital Innovation Director for TISA, a UK financial services association, where he leads the industry Digital ID pilot, KYC passport, and Data Protection Code of Conduct. He also researches vulnerabilities and security solutions, specialising in payment and identity systems. In addition to his first degree he holds Masters in Defence & Security Analysis (MA Lancaster) and Information Security (MSc, Royal Holloway).

Steve Cole is a Senior Product Manager for EMV at Vantiv. In this role, he is responsible for product development of the EMV program for Vantiv’s merchant customers and assisting merchants and Vantiv’s software partners with navigating the EMV certification process. Steve has been with Vantiv since 2005 and has held various positions in project and product management with a focus on the merchant acquiring line of business. Prior to joining Vantiv, Steve worked as a consultant with Arthur Andersen and BearingPoint for over 8 years.

Terry Crowley is the CEO of TranSend, which provides infrastructure software for payment processing. TranSend’s latest offering is RevChip, the most comprehensive EMV-NFC software built for the U.S. market. Terry is a veteran of the Payments industry and has held positions with technology vendors, processing companies and financial institutions. Prior to joining TranSend, Terry was a Senior Vice President at Bancorp where he oversaw the bank’s acquiring business and its relationships with Visa and MasterCard.

Karen Czack is Vice President of Industry Engagement and Regulation within the Global Network Business at American Express. The Global Network Business is responsible for running the company’s core transaction processing platform, defining the rules and regulations for how members of the American Express Global Network operate with each other, and managing network products that deliver value to constituents. Karen leads a team of network professionals who work with industry partners to create and maintain payment standards with the primary goal of increasing payment security, facilitating global interoperability, and ensuring compatibility of payment produces with acceptance devices. Karen is on the steering committee of the U.S. Payments Forum, serves on the Executive Committee of EMVCo, and is a member of the Federal Reserve Faster Payment Task Force.

After working for the IT security group of the Fraunhofer Institute in Darmstadt and receiving his PhD in computer science in the area of biometrics, Henning Daum joined G+D Mobile Security in Munich. Since 2013, he has focused on automotive security. Most recently, he headed the Embedded Security business unit focusing on specifications, reviews, technical analysis and penetration testing of in-vehicle networks and ECUs. Henning is currently at the G+D U.S. headquarters in the Enterprise OEM division bringing his expertise and experience around connected cars to support the local team and markets. G+D Mobile Security established the first secure eSIM connectivity for cars in 2012 and currently works with the top 20 automakers around the world.

David is Vice President, Business Development at Cubic Transportation Systems, Inc. David leads business development and account management activities across the western United States and Canada. Over more than 25 years, David has held a range of management positions at Cubic having at various times, led marketing, proposal development, research and development, and strategic planning. He has been at the forefront of the company’s contactless mobile initiatives representing Cubic on various industry standardization and trade groups including the Smart Card Alliance Transportation Council and APTA’s Universal Transit Farecard Standards task force. David holds a degree in Economics from the University of California, San Diego and an MBA from UCLA’s Anderson School.

Michael oversees strategic partnerships and commercialization of the Waltz mobile technology platform in the transit industry globally. Michael’s 30 years’ of work experience in public transport was focused on fare payment and customer engagement. Michael recently retired from the NY MTA and while there was the executive in charge of efforts to launch next generation fare systems, including a new system to replace NYC’s MetroCard. Michael was a key member of the MTA team that developed the “Open Payments” pilots at NYC Transit, the first to accept bank-issued contactless cards for fare payment directly at transit points of entry. Michael is active in payments industry forums and has spoken frequently about the transformative opportunities of open fare payment systems.

Rajiv Dholakia is Vice President, Product Strategy & Business Development at Nok Nok Labs. Mr. Dholakia is a 30+ year veteran of Silicon Valley with global experience in leading public and private companies from ideas to IPO. He has run businesses in AI, Operating Systems and Security/Identity/Encryption. He also serves on the board of the Northern California Girl Scouts as a special STEM advisor and has been involved with science education and the maker movement for many years.

Jose Diaz has worked with the Thales group for over 35 years and is currently responsible for payment product strategy at Thales e-Security. He works with payment application providers in developing solutions and roadmaps for securing the payments ecosystem. During his tenure at Thales, Jose has worked in Product Development, Systems Design, Sales in Latin America and the Caribbean, and Business Development.

Michael Dinning is Director of Multimodal Programs and Partnerships at the Volpe Center, the national research center of the U.S. DOT. Mike leads activities in cross-cutting areas, such as mobility and payment systems, cyber security and resilience and transportation data analytics. He is past co-chair of the Transportation Council of the Smart Card Alliance, and is currently leading efforts to explore opportunities for multimodal payments convergence. Mike is co-author of the books, Smart Cards: Seizing Strategic Business Opportunities and Disrupting Mobility.

Jesper Domargård is VP Marketing for the Payment BU of Safran IDS, where he’s responsible for the global marketing activities and promotion of the payment offer, as well as the continuous analysis and communication around the development of the payment market. Jesper has a genuine background from different parts of the payments eco-system, and held various positions with Visa and Digital River World Payments prior to joining Safran Identity & Security.

Willy Dommen is an executive in Accenture’s infrastructure and transportation business. He has been leading the development of mobile and smart card projects worldwide for the last 20 years. He was a key contributor on smart card, RFID and mobile payment assignments around the world, for both government and private industry including Australia, Singapore, London, New York, Washington DC, and Los Angeles, all of which started from the work he completed for Metropolitan Transportation Commission’s Clipper (formerly TransLink®) program in the San Francisco Bay Area. Mr. Dommen served as the hands-on advisor for the BART-Sprint mobile payment trial. He was also a leader for the Homeland Security Presidential Directive (HSPD) 12 initiative for several federal government agencies. In addition, Mr. Dommen’s client and project lists include development of national health care card programs in Italy and Australia, leading edge technology evaluation and strategy development for financial services companies, RFID strategy development for global manufacturers of electronic systems. He continues to serve clients with resolving strategic and technical issues related to contactless smart card and mobile payments technology. Mr. Dommen authors articles and presents internationally on strategic issues with regard to smart card and mobile payment systems.

Jonathan Donovan is VP Product at Masabi, the global leader in mobile ticketing and innovative fare collection for public transport, where he has overall responsibility for defining and driving product strategy and delivery. Prior to joining Masabi in 2014, Jonathan was an independent consultant engaged by companies such as MasterCard, Western Union and Travelex to deliver international strategic payments and F/X solutions. Before this he worked at Lloyds Banking Group and VocaLink, the company responsible for the United Kingdom’s payment clearing infrastructure and ATM network.

Jared has lived and breathed consumer spending and the payments industry his entire career (13 years to be exact). He plays centerfield for TSG (the A team when it comes to payments consulting) catching fly balls and line drives in the form of media and client requests and has been quoted in the NY Times, USA Today, and even discussed payments with The White House. Jared can handle difficult client questions on consumer spending, mobile payments, EMV, and industry trends. Because of this, his colleagues refer to him as “The Face of Payments.” Jared does have other tools on his tool belt such as his ability to craft appealing industry research, his impeccable support for almost any consulting engagement and his unique ability to look at data and understand what it means and who finds it valuable.
Prior to joining TSG, Jared held market intelligence and product management positions during his ten years at First Data. While at First Data, Jared supported major strategic initiatives such as partnership exploration, international enter and exit strategies, developed and launched First Data’s first international market intelligence team and managed First Data’s SpendTrend product. Jared completed his undergrad degree at the University of Nebraska – Omaha with a major in Journalism. Jared was born in Kansas but has lived in Nebraska almost his entire life. Jared is married to his high-school sweetheart, has a daughter and shares his family with a black cat and Doberman. On the side, Jared is a “Vette” aficionado and enjoys his need for speed.

Francine is VP Global Sales & Partnerships at NID Security, the leader in Display Card technology recently acquired by Oberthur Technologies. She was previously VP of Marketing Global Solutions for Hypercom prior to its acquisition by VeriFone. In 2007, she became President & CEO of iDcentrix, a start-up specialized in ID card technology. She acquired her initial expertise in the payments industry at Oberthur where she started 1998 and left as VP of Marketing, Financial Cards & Services. She has more than 25 years of marketing, management, and business development in the card and software industries.

Milos has over 25 years of experience in senior business and technology management roles having developed and marketed innovative, commercially successful and award winning payments solutions based on mobile and chip card technologies. Milos holds a Master’s degree in Electrical Engineering with major in Computer Science from the University of Belgrade. Opinions are his own, not of his employers.

Kev Emery is the Head of Optimization and Certification within the Chip Centre of Excellence at Discover. In this role, Kev is responsible for certification, outsourcing and managing various products within the Chip Centre of Excellence. Kev has spent nearly 15 years working in the payments Industry and has had various roles for payment schemes and technology vendors supporting Acquirers, Issuers and Merchants.

Ben is an Associate Director in KPMG’s Transport Advisory Practice and helps lead a team providing consultancy services to our clients with respect to integrated and intelligent transport including smart ticketing/fare payment systems, Command & Control solutions (including signalling, network management and operational support systems), asset management information systems, and program management & controls systems (including Building Information Management, Cost Management and Risk Management solutions). We advise clients across the technology life-cycle, from development of technology strategy, business cases, funding solutions and operating models through to requirements definition, sourcing, project management and operational assurance.

Allen Friedman is Director of Payment Solutions at Ingenico Group, North America where he is responsible for Ingenico’s EMV implementation strategy in the United States. Allen has been a member and active participant in the EMV Migration Forum since its founding, and he continues to serve on several committees and working groups. Also, he serves on the Smart Cart Alliance Board of Directors and an active contributing member of the Smart Card Alliance Payments Council, and is a Smart Card Alliance Certified Smart Card Industry Professional (CSCIP) for Payments.

Will has over 25 years of experience working in Canada and globally, developing innovative solutions for the likes of MasterCard, RBC Royal Bank, Bell Canada and TD Bank. He has the unique ability to see the payments industry from a variety of perspectives having worked in the bank, issuer, card brand, acquirer and merchant space. His wide ranging experience includes banking, debit cards, credit cards, corporate cards (including cash management), prepaid cards, smart cards, emerging payments, mobile payments, eCommerce, authentication, digital payments and the Internet of Things. Will is also an accomplished trainer and presenter with experience presenting to the Federal Government Finance Committee (Canada), Canadian Payment Association, CardTech-SecureTech (USA), ACT Canada, Cartes (France), CPA Conference, RCC Store Conference, Mobile and eCommerce conferences and a wide range of print, television and radio interviews.

As Executive Director of GlobalPlatform, Mr. Gillick is responsible for driving worldwide awareness and adoption of the GlobalPlatform Specifications. Mr. Gillick coordinates and manages the organization’s strategic planning and oversees marketing and business development initiatives.
Prior to GlobalPlatform, Mr. Gillick held various marketing and business development positions at a range of multi-national corporations.

Mr. Gillick has served as GlobalPlatform’s Executive Director since 2006. Prior to this appointment, he was GlobalPlatform’s Marketing Center Chair and has also been a member of the Smart Card Alliance Board of Directors, with a two-year term as Chairman.

Michael Gwinn is Director of Revenue and Fare Systems for the Chicago Transit Authority. Michael oversees the Ventra program, CTA’s innovative fare collection system, and was lead in negotiating, designing and implementing the Ventra app. In addition to CTA’s fare payment system, He is also responsible for CTA’s $35 million non-farebox revenue and business development program. Prior to joining the CTA in 2011, Michael has worked in various levels of government, including serving as Chief of Staff to the chair of the Illinois House Mass Transit Committee, where he helped to reform the Illinois Regional Transportation Authority Act and increase public subsidy of mass transit.

Barry Hanen is Senior Manager, Card and Payment Services for Walgreens. In his current role he provides payment expertise, strategies and implementation solutions that align with company objectives. He has actively participated in merchant industry efforts to influence payments including US Payment Forum, Retail Industry Leaders Association, Merchant Advisory Group and others.

In his position as Business Development Manager for KICTeam, Patrick Harrigan focuses on partnering with the payment industry to develop specific methodologies that improve card and device performance through proper maintenance programs and tools. Patrick’s experience spans several industries including legal publishing, software development, property tax consulting and manufacturing. Patrick is also a rugby referee in the New England area.

Product Development and Marketing Executive with over 20 years’ experience across the FinTech ecosystem. Recognized authority, speaker and advisor regarding mobile payment solutions, digital wallets, prepaid services, omnichannel commerce and point of sale. Trusted leader and colleague, by employees, peers and partners alike. Responsible at Xerox/Conduent for product vision and go-to-market strategy for nascent Commercial Prepaid sector and associated digital payment capabilities.
Other key accomplishments include:
· At Bank of America, for the retail bank, built and ran competitive intelligence and market development teams for digital payment initiatives, including mobile wallets, remote deposit capture and numerous incubator opportunities.
· At First Data, managed closed loop prepaid implementations, relationship management and product partnerships. Launched first-in-USA contactless payment and grew transit industry with open loop contactless prepaid products. Spearheaded HP, Walmart and Microsoft strategic partnerships from ideation through launch, realizing $20mm in accretive revenue within 2 years.
· At JP Morgan Chase, led marketing for enterprise payment solutions for credit and debit card acquiring, and introduced new proposal management processes increasing production and win rate by 30% year-over-year.

Jack Jania is the Senior Vice President of Strategic Partnerships for the financial services group. He consults with and advises the financial industry on the best business strategies to employ mobile payment, smart card payment and data security solutions. In addition to supporting Gemalto’s business and security objectives, Mr. Jania is committed to consumer education and digital security advocacy. Previously, Mr. Jania was the VP General Manager of Secure Transactions in North America. Jack has also worked in the mobile communication division, and was involved in the launch of smart cards supporting wireless networks and NFC smart card technology. Mr. Jania has extensive component engineering, high speed microprocessor functional test and computer system level architecture design experience. Mr. Jania is currently the Vice Chairman of the the Secure Technology Alliance and has served as the Co-Chairman of the Secure Technology Alliance payments council since 2012.

Fabrice Jogand-Coulomb has 20 years’ experience in smart card and value-add services, which feature strong security, contactless or mobile NFC. Fabrice currently serves as Vice President Mobile and Banking Product Line at Arjo Systems. Prior to this he spent three years with DeviceFidelity where he focused on mobile payment solutions. Previous roles include Gemalto where he was primarily involved in contactless opportunities, corporate security including PKI, and both open loop and closed loop payment solutions; and more recently, SanDisk where he was involved in value added microSD solutions including one time password, DRM and NFC payment with mobile operators, banks and mobile handset vendors. Fabrice was appointed as Chair of OSPT Alliance’s Marketing Working Group in 2016.

Marianne Johnson serves as First Data’s Head of Product and Technology for the Network and Security Solutions (NSS) line of business. Johnson is focused on driving innovation within and across NSS, including the STAR Network, Money Network, Open and Closed Loop prepaid businesses, TeleCheck, online banking, and First Data’s suite of security and fraud solutions.

Christopher Justice is a dynamic executive leader with over 20 years of experience delivering results for high growth payments companies. He’s a dedicated customer advocate continually evaluating market, product, process, positioning, and delivery to provide a world-class customer experience. His collaborative approach has proven effective in driving results. As CEO of CenPOS, Chris is responsible for leading the company’s strategy and execution in the delivery of its merchant-centric, enterprise payments platform to large, multi-national companies like AutoNation, Penske, HD Supply and others. He’s led the company’s expansion into new markets and deployed creative new solutions that differentiated the company and delivered rapid revenue growth.

Marc B. Keller leads Samsung Pay’s activities across Financial Institutions including Card Issuers, Payment Networks, and Processors to enable millions of consumers to use their existing bank Debit, Credit, and Pre-paid cards inside of Samsung Pay. In this role, Marc’s team works with the Financial Institutions to drive increased tokenization of payment transactions and ensure safety and security as a responsible innovator in the financial ecosystem. In this role, Marc is also the strategic interface for Financial Institutions across other exciting Samsung technologies and innovations such as Samsung PASS Biometrics Authentication Service, Samsung Artificial Intelligence, Samsung IOT, etc.
Previously, Marc was the Global Director of Digital Networks & Mobile in Citigroup’s Enterprise Payments Group, which was Citigroup’s strategic and business development arm focused on Consumer and Commercial Payments for the evolving Digital Commerce space. Previous to that role, Marc was the Senior Vice President and R&D Executive for Emerging Payments and Mobility at Bank of America, where he led early stage Mobile Commerce Strategy, Product and Business Development to determine Bank of America’s new business models in consumer payments. At Bank of America’s MIT based Center for Future Banking, Marc co-created the Next Billion effort to expand financial services via mobile to the next billion users of financial services.

Mohammad Khan is cofounder and President of OmnyPay – enables retailers to offer rich checkout and personalized digital shopping experience as part of retailers’ branded app for all aspects of buying journey. Khan was also cofounder and President of ViVOtech – a pioneering NFC company that paved the road for mobile payments through deploying first million NFC readers in 35 countries, and developed the concept of the redeeming loyalty, coupons and payments with a single NFC tap. Khan started his career with Verifone as part of its founding team in 1983 and spent 15 years. Khan has been recognized as a leader of the Electronic Payments Industry by the Transaction Trends Magazine; as a “Mover and Shaker” of the Electronic Payments Industry by the Transaction World magazine; Khan is also Chairman of the Board for Yellowpepper, a board member for SimplyTap, a board advisor for Poynt.

Cindy Kohler is a Senior Director in Visa Inc. U.S. Chip Product Office. In this role, Cindy is responsible for managing acceptance U.S. chip test tool solutions and testing requirements for contact and contactless chip. Over the last few years she worked on initiatives to streamline Visa Inc. U.S. chip terminal testing processes to remove redundancies and inefficiencies reducing client resource time and testing requirements. She identified a recommended minimum set of test scripts for minimum online and Quick Chip configured terminals. Cindy established Visa Chip Bytes, a series of brief webcasts about EMV chip-related topics and also developed and implemented Visa Chip Vendor Enabled Service and Visa U.S Chip Acquirer Self-Accreditation Program. Both U.S. programs simplify acquirers’ contact and contactless chip testing processes, expands resources and allows for more flexibility. She also administers the Visa Accredited EMV Consultant Program which supports U.S. clients with their EMV chip migration.

Simon Laker leads Consult Hyperion’s consulting practice across North America. He is a leading authority on the implementation of open payments systems in public transport, using payment cards as a token for travel. He worked with Transport for London and the major payment schemes to define the operational and transaction models to support the use of payment cards in place of transit tickets in the UK. His work has subsequently been adopted and deployed globally by the Payment Schemes. Simon has extensive experience in the analysis of service distribution platforms, particularly in developing markets. He led the analysis of FMARD and IFDC’s requirements for, and contributed to the design of, the GES-TAP e-voucher delivery platform, which over a three-month period, was used to register 500,000 farmers in areas of Nigeria’s Sokoto state with limited electricity and mobile networks, distribute and redeem e-vouchers with a value in excess of $19m. Simon is a recognized expert in the design, implementation and operation of secure retail payment services. He has helped global organizations design and develop new services to support the deployment and use of ApplePay and AndroidPay services; analyze the impact of Fraud Management tools and reviewed merchant payment agreements and the bills levied by their Acquirers to identify potential areas for cost savings. More recently he has helped the transit authorities in Boston (MBTA), New York (MTA) and Philadelphia (SEPTA) to refine their requirements for a new ticketing service

Leininger joined DART in December 2008 and currently oversees all financial and risk management activities for the Agency. He has the additional oversight of the IT, Marketing, and Procurement departments. Prior to joining DART, Leininger served in senior financial capacities with several metroplex cities and spent 25 years in the private sector, during which time he served as a senior executive in several commercial real estate ventures and a partner in an international real estate research firm.

Mina has been with G+D Mobile Security for over ten years. For the past two years, he has been an integral part of the U.S. based G+D Financial Institution Product Management team. Mina’s current focus is on EMV, dynamic print on demand, instant credential issuance, and digital/mobile banking solutions. As a Visa accredited EMV consultant, Mina helps issuers optimize their migration plan while adopting the latest technologies in EMV. Previously assigned to our Middle East office in Dubai, Mina led global projects for major customers including national EMV migration, mobile payment, and NFC projects. He led the first EMV card projects across the Middle East and North African region. Prior to G+D, Mina worked with different technology providers as a solution developer with a special focus on image processing.

Donald Malloy is the Chairman of OATH, The Initiative for Open Authentication and a Security Consultant assisting companies with the growth of their security and authentication business. OATH is the industry alliance that has shifted the authentication market from proprietary systems to an open source standard based architecture promoting ubiquitous strong authentication. OATH has written and driven the standardization of “One Time Passwords” now used by hundreds of companies around the world. Mr. Malloy has more than 20 years’ experience in the Security and Payment industry. Don was responsible for establishing the strategic partners while at NagraID Security, now Oberthur and prior to that he was Business Development and Marketing Manager for Secure Smart Card ICs for both NXP (Phillips Semiconductors) and Infineon Technologies. Don originally comes from Boston where he was educated and has a Masters level in Organic Chemistry and M.B.A. in Marketing. He currently resides in Southern California and in his spare time he enjoys hiking, biking, kayaking and traveling around this beautiful world.

Oliver Manahan is Director of Business Development for Infineon Technologies. Prior to his current role, Oliver was the Vice President of Emerging Payments with MasterCard. In this role, Mr. Manahan spent 10 years managing MasterCard’s EMV chip, contactless and transit programs for North America. Before that, Mr. Manahan was with Visa for nearly a decade in the emerging products area. Mr. Manahan started his career in the Information Technology field, with companies such as Mercedes-Benz and Pepsi. Mr. Manahan is Infineon’s representative on the Smart Card Alliance Board, co-chaired the Payments Council and co-chaired the Debit committee for the EMV Migration Forum.

Lee Manfred manages the payment strategy and innovation practice as a Partner with First Annapolis Consulting, Inc. In this capacity Lee advises leading financial institutions, payment networks, processors, and technology providers on strategic initiatives related to payments products and services, including debit, credit, open loop prepaid, and mobile payments and commerce. He consults on diverse topics including enterprise payment strategy, product innovation, vendor selection and negotiation, operations and cost benchmarking, and mergers and acquisitions advisory. Lee joined First Annapolis in 1993, after 10 years of retail banking and lending experience. He earned an MBA from the George Washington University, and a BBA from the University of Notre Dame, both with concentrations in finance.

Pat is the Director of Project Delivery at LTK Engineering Services, supporting the design and implementation of a wide range of smart card and revenue systems projects at transit agencies across North America. His background includes 30 years of experience in transportation and payments, starting his career at New York City Transit where he was responsible for many parts of the MetroCard system. After that Pat spent 10 years at Booz Allen, leading a team of consultants on payment system projects in the US and Europe. At LTK, Pat oversees all projects of the Revenue Systems & Technology team, with a special interest in the New Payment Technologies Project at SEPTA. Pat has bachelor’s degree in electrical engineering from Dublin City University, and is a Certified Smart Card Industry Professional (CSCIP) for Payments.

Josh is focused on various aspects of the MTA’s future payment and ticketing initiatives, including the expanded use of digital payments and how the integration and interoperability of technologies within the region can enhance the traveler’s customer experience. He oversees MTA-wide support and coordination of the Authority’s diverse electronic payment environment, and engages with payments industry firms on key merchant issues.

Prior to rejoining the MTA, Josh consulted with numerous US transit agencies regarding electronic and mobile payment initiatives. He has over a decade of public and private sector payments and smart card experience. An active member of both the Smart Card Alliance and the U.S. Payments Forum, Josh holds a BS from Cornell University, an MBA from Northeastern University, and is a Certified Smart Card Industry Professional.

Brett McDowell is the Executive Director of the FIDO Alliance, the organization he helped establish in 2012 to remove the world’s dependency on passwords through open standards for strong authentication. Previously, he was Head of Ecosystem Security at PayPal, where he developed strategies and lead programs to make the Internet safer for PayPal and their customers. Mr. McDowell has extensive experience leading multi-stakeholder cybersecurity initiatives, having held various leadership roles in NSTIC IDESG, DMARC.org, M3AAWG, National Cyber Security Alliance, StopBadWare.org, Kantara Initiative, and Liberty Alliance Project. Mr. McDowell is a Fellow at the National Center for Digital Government at the University of Massachusetts.

Adam McGavock is the Director of Business Development for moovel NA, a transportation technology company working to bring seamless mobility to cities worldwide. Before joining moovel, Adam worked as a senior project manager at the IBI Group, where he provided expertise in the area of fare payment and customer service. Previously, Adam worked as the Director of Customer Service, Sales and Fare Media at the Washington Metropolitan Area Transit Authority, where he oversaw the customer experience of over 1.3M daily fare payment and purchase transactions. Prior to that, Adam served as the Planning Director at the Northern Virginia Transportation Commission.

John McGee is the Senior Director of Revenue Systems & Technology at LTK Engineering Services and has forty years of experience in the transportation industry. John supports North American agencies large and small in technology upgrades and achieving the benefits associated with account-based, open architecture and open payment systems. John is a recognized expert in all aspects of transit payments, pricing structures and financial strategies. John was Executive Sponsor and Chief Architect for the SEPTA Key at the Southeastern Pennsylvania Transportation Authority, the fifth largest US Transit Agency, where he also directed critical efforts in strategic business planning, marketing/public outreach, fleet acquisition, funding reform and service delivery throughout his career. John has an M.B.A. from Widener University and a B.A. in Economics from Temple University.

Cathy Medich is Director of Strategic Programs for the Smart Card Alliance and Associate Director of the U.S. Payments Forum. In these roles, she manages strategic marketing and industry initiatives and directs industry council and working committee activities. Cathy has over 20 years of experience in marketing and strategic planning for technology businesses, including consulting engagements or positions with Hewlett-Packard, VeriSign, Verifone and CommerceNet. Cathy has B.S. and M.S. degrees in Electrical Engineering and Computer Science from M.I.T. and an M.B.A. from the Wharton Graduate School.

Steve Mott is a 25-year veteran of the electronic payments industry, specializing in ‘landscape’ and strategic assessments, transaction economics, innovative uses of debit networks, authentication and security technologies, and emerging alternative payments types and venues—including stored value, online and mobile commerce, cloud-based/digital marketing systems, and transacting over social networks. As principal of BetterBuyDesign, a payments consultancy, Steve (and partner organizations) work with clients on strategy development, product research and design, organizational effectiveness and vendor management, technology evaluations, and market assessments. His clients include merchants, banks, processors, networks, technology providers and corporates. Steve also advises investment firms on industry trends and developments, conducts business valuations and M&A/due diligence support, and serves as an expert witnesses in patent, trade secret, and other IP matters. Steve serves as a subject matter expert for the Federal Reserve and other industry organizations, speaks at two dozen payments conferences each year, and is a frequent contributor to Digital Transactions Magazine and n*genuity Journal. You can reach Steve at [email protected] and 203.536.0588.

Manish is a key contributor to the vision of SHAZAM’s electronic payments business. He and his teams innovate and develop products to enhance SHAZAM’s core strengths and introduce new products into the marketplace to help its member financial institution remain competitive and contribute to their success. He is currently leading efforts on projects related to EMV, Tokenization and Mobile Payments. In his 12 years at SHAZAM, Manish has held positions as a Senior Engineer/Consultant, IT Technical Lead and Chief/Enterprise Architect. He is currently the Vice President of Network Products and Enterprise Architecture blending business with technology in providing innovative electronic payment solutions to the marketplace for SHAZAM’s customer base. Manish has over 25 years of experience in the electronic payments industry, primarily building enterprise-strength, high-performance online authorization systems. He has a depth of experience in point-of-sale (POS), ATM, acquirer, and issuer processing of electronic payments and has worked for companies such as CAP/Sema Group, Tandem Computers, ACI (UK). He also worked with Deutsche Bank (London) on FX and Money Market systems along with a number of other European financial institutions and processors to deliver electronic funds transfer products and solutions. Manish graduated from the University of Manchester (England, UK) with a bachelor’s degree in computer science and also holds a master’s degree in computing for commerce/industry.

Nick is the SVP Sales Americas at Consult Hyperion, (www.chyp.com). Nick has over 14 years experience in the Retail and Mobile Payments industries, within Gemalto and Consult Hyperion. He has helped Financial Institutions, Transit Operators, Retailers, Processors and their suppliers to formulate their strategies towards card and mobile services, for both local and remote transactions. Recently he has focused on the security of mobile services, new cardholder verification technologies, identity management and identifying real applications for Blockchain technologies. Grab him in the corridor or bar if you want to know more.

Malcolm recently joined the Fiserv family, with primary responsibility over managing the cost of acceptance for the merchant clients of the Biller Solutions Division. He has worked in the payment space for over 15 years, with roles supporting both issuers and merchants. He is a self-described payments nerd, with an intense interest (borderline obsession) with driving efficiency in payments.

Born in Columbus Ohio, Sam Orth has spent the last 34 years helping government and education use technology to create value for citizens in Ohio. He recently served as the Chief Technology Officer for the Management Council of the Ohio Education Computer Network where he worked with Information Technology Centers, the Ohio Department of Education and school districts to help ensure that information technology is advancing the achievement of Ohio’s K-12 students. He is passionate about information technology’s role in serving government and education, and is well known for his collaborative, team-oriented, citizen-focused approach. Sam lives in Central Ohio with his wife and son. He attended The Ohio State University.

Jason Oxman is the CEO of ETA, the global trade association of the payments technology industry. Since joining in 2012, Oxman has led ETA and its membership through unprecedented technological transformations, and ETA now represents more than 500 global financial and technology companies. ETA also owns and produces TRANSACT, the premier annual event for the payments technology industry, and is the voice of the payments industry on Capitol Hill. Before joining ETA, Oxman was Senior Vice President of Industry Affairs of the Consumer Electronics Association, prior to which he served as general counsel of a technology industry trade association and vice president of a Silicon Valley-based technology company. He worked at the Federal Communications Commission to develop and implement technology policy. He began his legal career as a law clerk for the Maine Supreme Court, and he is also a former broadcast journalist. Oxman received his B.A. cum laude from Amherst College, and his M.S. and J.D. from Boston University.

Susan M. Pandy is a seasoned payments professional with over 12 years of experience in the industry. Susan leads departmental projects and external workgroups to provide the payments industry, regulatory community, and Federal Reserve System with a forum for balanced, in-depth research and analysis of market trends, policy development and other issues affecting the payment system, with an emphasis on standards and security of the mobile payments channel. Susan previously worked for NACHA-The Electronic Payments Association for over 10 years as a critical source of expertise on all matters related to electronic and mobile commerce. Susan received her B.S. in Political Science from the University of Toledo, her M.P.A. in Public Administration from Cleveland State University and holds a Ph.D. in Public Administration & Policy from Virginia Polytechnic Institute & State University.

Dr. Rahul K. Patel is a seasoned Cyber Information Security professional with over 20 years of experience protecting the Security, Confidentiality, and Integrity of information assets. He is presently leading a team of senior information security professionals as a senior manager at Discover Global Network. Dr. Patel is associated with Illinois Institute of Technology as an industry associate professor. Dr. Patel received his PhD from Northcentral University, MBA from DePaul University and MS from Illinois Institute of Technology. Dr. Patel’s research interests include Information Security Risk Management and Payment Security.

With14 years in payments technology and 30 years in IT and entrepreneurial management, George Peabody is a Glenbrook partner. He focuses his client strategy work on retail payments including cards, mobile and POS payments acceptance, online and offline data security, and digital identity. He also leads Glenbrook’s digital currencies practice and instructs on virtual currency mechanics and business trends. George is also a Certified Smart Card Industry Professional / Payments (CSCIP/P).

Nick Pisarev has decades of experience in the payment industry. He came to G+D Mobile Security in 2003, bringing knowledge of the European smart card and secure payment technology to the emerging Canadian market. Nick’s expertise was instrumental in successfully migrating Canadian Financial Institutions to EMV chip technology. In 2011, Nick joined the G+D team in the U.S. to support the American market transition to EMV and Mobile Payment solutions.

Gregory Proehl is Senior Marketing Engineer at STMicroelectronics, supporting the Secure Microcontroller products in North America, including those designed for the Banking Market, Mobile, NFC and IoT (Internet of Things). Gregory has experience in RFID, NFC, Digital Video, and a background in RF product support, and RF product design. Prior to joining STMicroelectronics, Greg held positions at Coilcraft and Hewlett-Packard and holds a Bachelor of Science from the University of Illinois.

Peter Quadagno is a former board member and Vice Chairman of the Smart Card Industry Association which merged with the Smart Card Forum in 2002 to create the Smart Card Alliance. Peter’s background includes payment processors, ATM networks, banks, transit agencies, long distance phone companies, kiosk vendors, gift card providers and universities. He has spent 30+ years introducing the transaction processing skills of the payments industry to other industries. In 2007, he commissioned the build-out of a prepaid processing platform that was sold to Fiserv in 2011.

Mr. Eric Reese directs Global Strategy for Scheidt & Bachmann. Scheidt & Bachmann is a privately held, 143 year old firm that provides end to end intelligent transportation systems, signaling systems, petrol system and parking systems. Prior to this he oversaw S&B’s Midwest and Western US operations plus advanced and managed S&B’s strategic partnerships. Prior to that he was the Director, Revenue for the Chicago Transit Authority and oversaw the procurement, design, management, implementation and transition of the CTA’s new fare payment system (Ventra) as well as oversaw and managed the legacy fare payment system. Previous roles include Assistant to the Mayor of Chicago and Deputy Budget Director for the Chicago Park District.

Started in the smart card NFC industry in 1984 with Olivetti for toll road applications. Worked with Schlumberger in closed payment systems for universities and developed US Federal Government ID business. Formed start up with USIS, Inc. for smart card medical application. Currently with oti America focusing on emerging NFC payment solutions and mobile technology for issuers, MNO’s, unattended POS, transit. ID.

Hans Reisgies is a Founder and CTO at Sequent. Hans is a widely known evangelist and established thought leader for mobile payments. He is a trusted advisor to banks, merchants, carriers, and other players in the mobile commerce value chain. Hans is a mentor for emerging FinTech companies at Alchemist Accelerator. Previous to Sequent, Hans led mobile business development at ViVOtech from 2005-2010 and has been active in the NFC Forum and Global Platform standards bodies. An electrical engineer by training, Hans was previously the business development and sales manager for IXI Mobile and Texas Instruments. Hans’ specialization in mobile payments has yielded sixteen patents filed and granted. Follow him @NFCGuy

Uri Rivner has been fighting online fraud and cyber crime for fifteen years, working closely with major financial institutions on developing long term strategies against cybercrime. Prior to joining BioCatch as a co-founder and Head of Cyber Strategy, Uri served as Head of New Technologies at security giant RSA, where he was responsible for moving fraud and cybercrime fighting innovations from concept to reality. He was a key player in the development of Risk-Based Authentication and other fraud and security defenses currently used by thousands of financial institutions and saving billions of dollars in fraud each year.

Craig Roberts was instrumental in launching full deployment of the first account based EFC system in the United States that includes open payment (contactless credit and debit) acceptance directly at the bus entrance and rail platform. Previously he has served as a consultant on Intelligent Transportation Systems Policy and served for nine years as General Counsel at the Intelligent Transportation Society of America or ITS America and as Director for Policy and Partnerships.

Derek Ross is Head of Sales and Business Development at ICC Solutions Ltd, joining in 2006, having responsibility for developing international business and supporting the global customer base. Derek is a regular contributor at EMV payments industry events and forums having gained a broad level of knowledge and experience from various senior commercial and technical positions held over the past 20 years. Prior to that, Derek worked in the mobile communications industry holding senior positions in product engineering and project management. Derek is a graduate of the University of Strathclyde, Scotland where he gained a BSc. (Honours) in Applied Physics.

Mr. Russell, the Senior Technical Business Analyst for Verifone’s Petroleum Division, has been working in and around payments for well over 20 years. Most recently he has served as the lead analyst for Verifone Petro’s EMV implementations both indoors and at the AFDs. Mr. Russell is active in Conexxus, the petroleum industry’s standards body, helping develop standards to process EMV and mobile payments. He chairs the Conexxus Loyalty Working Group and is active in the Communications & Education Committee and the Petroleum Working Committee at the U.S. Payments Forum where he has spoken on topics including faster EMV and Petroleum Solutions for EMV at the AFDs.

Prof. Gideon Samid, PhD, PE specializes in cyber security, cryptography, artificial intelligence, and process control. He worked at NASA, Exxon, The Pentagon: designing and managing complex systems, combining material science and software.

Dr. Samid teaches at the University of Maryland, UC, and conducts research in the Department Of Electrical Engineering And Computer Science at Case Western Reserve University, in Cleveland, Ohio. Awarded US Patents: #6,823,068, #8,229,859, #9,471,906.
Gideon serves as the Chief Technology Officer for BitMint, LLC. His recent focus is designing a comprehensive framework for global digital currency – banking and payment.

Céline started with Safran Identity & Security in Malaysia as APAC Presales and Business Development Manager for Government Identity solutions. Now based in Paris, as Strategic Marketing Manager for Digital Identity, Authentication and Mobile Payments. Combining expertise in Biometrics and payment ecosystem, she provides Business and Marketing support to evangelize banks and retailers on innovative Mobile Security solutions.

Itai Sela is the CEO of B2 Payments USA established to help the US migration to EMV. Over the past 17 years Mr. Sela has become a Subject Matter Expert in the payment industry, specializing in, Smart Cards (EMV), Fraud, Risk Management, Cryptography, Contactless and NFC technologies and E-Commerce. Mr. Sela is an internationally experienced speaker, trainer and consultant with a sound reputation and an exceptional track record. Throughout his career, Mr. Sela has spoken in numerous events, delivered hundreds of trainings and participated in several committees and forums including planning and implementation of EMV and Contactless around the world.

Shiv Singh is a senior vice president in the innovation and strategic partnerships group at Visa, where he is responsible for driving the go-to-market strategy for some of the company’s most disruptive products and innovations. As a recognized marketer with a background helping brands transform with the rise of digital, he is also focused on guiding major Visa clients around the future of payments and their own go-to-market strategies. In his prior roles at Visa, Shiv was responsible for launching the Visa brand and communications platform, driving Visa’s digital marketing transformation including the re-imagination of Visa.com across 120 countries, managing global media partnerships and leading marketing innovation programs. Shiv has been recognized by Ad Age as a Media Maven and has been featured on the publication’s cover. More recently he was recognized by Adweek as a Top 50 marketer (no. 11). The award winning and business results producing work done by he and his teams have been recognized by leading industry and consumer publications from Fortune magazine and Adweek to Forbes and The Harvard Business Review. He is also author of the book, “Social Media Marketing for Dummies” and has written for the Harvard Business Review online, Ad Age magazine, The Huffington Post and other publications.

Srinath Sitaraman is a Principal Advisor and leads the UL Transaction Security Payments advisory team in North America. Srinath has more than a decade of experience in smart cards and cryptographic security across Payments, Government Identity, Transit and Access control business verticals. Most recently, in his present role as a Principal Advisor at UL Transaction Security, Srinath has helped several Merchants, Issuers, Acquirers, Processors and Payment networks to implement EMV and other emerging payment initiatives. Srinath is an active member of the US Payments Forum and Smart Card Alliance.

Ellie Smith, a 15 year payments industry veteran, is the Head of the Chip Center of Excellence for Discover Global Network. In this capacity, Ellie is responsible for leading the contact and contactless EMV programs across Discover, Diners Club and PULSE networks. She manages EMV product strategy, leads policy development, and drives optimization of critical vendor programs. Ellie’s team also partners closely with issuers, acquirers, and merchants globally to enable the successful implementation and rollout of advanced payment technologies. Prior to joining Discover Global Network, Ellie was a consultant focused on payment-related projects, and also worked for nearly 10 years at American Express with significant time spent in the emerging payments area. Ellie sits on the EMVCo Executive Committee and is also a member of the EMV Migration Forum (EMF) Steering Committee. Ellie holds a BS from the University of Iowa and is a Certified Training Director.

Chandra Srivastava is currently working in the Digital Merchant Products group at Visa Inc., leading the Integrated Commerce initiative. Chandra has extensive background in defining and launching new technologies in the mobile payments, commerce and value-added services space. Prior to working for Visa, he worked with Softcard to develop commerce solutions for their NFC wallet. Chandra also held product leadership positions at ViVOtech to develop mobile NFC payment platform, Commerce One, VeriFone and Tandem Computers. Chandra has been actively involved with various Smart Card Alliance initiatives.

Sree Swaminathan works as a Director of Digital Commerce Solutions at First Data. He specializes in new product development in Mobile, NFC, Tokenization, Payment security and other emerging payment solutions. He has been with First Data since 2002 and instrumental in various Trusted Service Manger (TSM), Mobile, EMV payment initiatives at First Data. Besides payment innovation initiatives, he also provides consultancy and implementation strategies for Credit, Debit and Prepaid digital commerce solutions for First Data regions around the world. Mr. Swaminathan brings a wealth of knowledge and experience from Payments, Telecom and Technology domains. He holds a Bachelor’s degree in Engineering from NIT, India and an MBA degree in Technology Management. He serves as a steering committee member in Payments and Mobile councils and as Co-chair of the Smart Card Alliance Mobile Council. He contributes to various industry forum activities, white papers and webinars and champions emerging payment technologies.

Kristof is part of the Open Test Solutions Management Team for the Global Retail Payments division of FIS that spans debit, prepaid, credit card, merchant, network and loyalty programs. Kristof leverages his 10 years of test technology expertise with a vast knowledge of the payments business. He holds a key role in assisting the development of long term product strategies for the international markets.

Randy Vanderhoof is the Executive Director of the Smart Card Alliance. The Smart Card Alliance is a not-for-profit, multi-industry association of over 200 member firms working to accelerate the widespread acceptance of smart card technology in North America and Latin America. He came to the Alliance in January, 2002 and became the Executive Director in August, 2002. During his tenure as the chief executive, he has directed the transformation of the organization from primarily a networking organization into a diverse, education oriented, international, multi-industry organization that gathers industry stakeholders together to help stimulate the rapid adoption of all forms of smart cards (cards and other form factors) for electronic payments and digital security applications. In December 2008, Randy was named by Security Magazine to the list of the Top 25 Most Influential People in the Security Industry.

Mr. Wedley provides executive leadership, business development, project management (35+ years’ experience) and Subject Matter Expert (SME) support for Transportation and Information Technology (IT) projects, supported by local dedicated experienced staff which is supplemented with global available expertise in a wide range of business market segments. Fred has more than 35 years of experience in the public-transportation industry comprising Transit Operations, Station Operations, Asset Management; Fare Collection and Ticket Sales, Information Technology (IT), Labor Relations, Finance, and Planning/Project Management.

Jason Weinstein P.E., is the driving force behind the second generation of Clipper, the San Francisco Bay Area’s transit fare payment system that currently processes more than 20 million transactions and $45 million in revenue each month. As the principal program manager for the project, Jason is responsible for all aspects of Clipper system scoping, procurement, contracting and development for the Metropolitan Transportation Commission (MTC). Prior to Clipper, Jason was the principal of toll system operations for the Bay Area Toll Authority (BATA), operator of the region’s FasTrak tolling system used for electronic payment on seven Bay Area toll bridges and an evolving network of express lanes. Jason’s 25-year transportation career includes extensive experience in construction and contract management as well as traffic and toll operations, including 14 years with the California Department of Transportation. Jason has a B.S. in civil engineering from Washington University in St. Louis and is a registered Professional Engineer.

David Weir is a Senior Program Coordinator for the Metropolitan Transportation Commission (MTC) in the San Francisco Bay area, working on the Clipper smart card fare payment program that is a joint effort of MTC and Bay Area transit agencies. David concentrates on cardholder and transit operator support, especially in the areas of customer service, communications, and marketing. The Clipper program settles a monthly average of $45 million in revenue among 20+ transit agencies, and has nearly 2 million active card accounts. Prior to joining MTC in September 2008, David was the Deputy Executive Director of the Georgia State Road and Tollway Authority, overseeing toll plaza and customer service center operations. Before entering the transportation field mid-career, David practiced law for over 15 years.

Stephane is the SVP for New Commerce Partnerships at Mastercard, based in New York. In his role, Stephane and his team are responsible for leading Mastercard’s efforts to commercialize new commerce opportunities covering the Internet of Things, Virtual Reality, and Augmented Reality. This includes identifying key needs in this space that Mastercard can solve for, as well as developing relationships with leading players across specific IoT verticals including connected car, smart home, connected office, and the future of retail. Previously, Stephane founded and led Mastercard’s global startup engagement group, known as Mastercard Start Path, working with over 120 early stage companies across the commerce space through a combination of operational partnership, strategic investment, and commercial access.

Erdal Yazmaci is highly-motivated professional with broad expertise in payment systems. He is founder at Cardtek having 16 years of experience in various management roles including business development, partner management, sales and marketing. He led Cardtek from a startup company to an international solution provider. He took role in development of products which have been sold in 26 countries. He has subject matter expertise on EMV, NFC and digital payment and provided 40+ trainings globally.

Bob is the founder and CEO of Passport. Like you, Bob believes that innovation in mobile technology will play a huge role in redefining transportation. Under Bob’s leadership, Passport has grown to being one of the fastest growing transportation companies in North America being awarded 2017 Top 100 GovTech Companies and 2016 Top 20 Most Promising GovTech Solution Providers.

Prior to founding Passport, Bob spent over 10 years in investment banking, audit and consulting. Bob received his M.B.A. from the Kellogg School of Management at Northwestern University and his B.S. degree from the University of Illinois. Bob has four beautiful children loves flying planes and watching old episodes of MacGyver.

Samee is based in the London office. He has advised some of the largest financial services organizations in Europe and North America on competitive strategy, operations and technology. His expertise covers retail banking, card issuing and acquiring, electronic payments including Internet and mobile payments. He has advised on risk management covering both credit and fraud risk management for card and bank payments. Samee also leads the firm’s M & A advisory team which helps private equity clients undertake commercial due diligence of target companies. He speaks regularly at industry conferences on advanced / digital payments and Fintech initiatives, and has also co-authored a book on payment cards. Previously he worked for PwC and Visa International. Samee holds a BSc from Government College University (Pakistan), is a Chartered Accountant, and an MBA from City University in London.

Tibi Zhang is the Managing Director of Feitian International Business. In this role, she was responsible for driving strategic direction, business development, and overseas market expansion for Feitian’s entire portfolio across the spectrum of online banking, digital government, secure transaction and mobile communication. She was involved in product strategy, architecture and development of innovative and authentication solutions that deliver strong security and seamless consumer experience to all valued customers and partners in the connected world.

Kevin Zhu brings over 20 years of leadership and expertise in driving large and complex product and technology development in Mobile, Digital, Payment and Commerce spanning across multiple industry verticals for global fortune 100 to startup companies. He has a proven track record in turning new technologies and concepts into scalable commercial products. Prior to join UL, Kevin was SVP of Product at OmnyPay. He was responsible for driving its product vision, strategy, roadmap and delivery for mobile payment and digital commerce solution for the retail industry. Before OmnyPay, as SVP of Product and Technology at Mozido/CorFire, Kevin drove global product strategies, vision, roadmap, development and innovation in Mobile Payment, Mobile Financial Services, Mobile Customer Engagement and Cross-border Payment Processing services. Under his leadership, CorFire became a recognized leader in providing Mobile Wallet, Mobile Payment and Mobile Commerce software and services. Its solutions were used globally by Brands including Google, FDC, Dunkin Brands, AT&T, Vodafone, Shell, and Reliance in their groundbreaking mobile payment, mobile commerce and digital transformation initiatives. Earlier, Kevin was instrumental in developing and launching several first-of-its-kind and industry leading products in mobile, insurance, and financial industries when he was with companies including Sprint, GE and DST Systems. As an innovator and visionary, Kevin has over 50 issued patents, covering mobile infrastructure, payment, contactless, user experience, transit, wallet, media, and security technologies. He is sought out to speak at various industry events.