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 Expert  726308

Expert in Credit Card, Debit Card, Prepaid Card, Wireless Payment, Mobile Banking Payment Platforms, ACH


Available for your Consulting and Expert Witness Needs

California (CA)
USA
Education Work History Consulting Services Expert Witness Market Research

Summary of Expertise:

Listed with other top experts in: 

Expert's Summary Top IBM Field Marketing Executive Br. Mgr. ERP office - Chicago. IBM Banking Office San Francisco- # 1 Branch Manager US; 250 FTE/75 Marketing Founder Exec. Officer team - First Data Corporation; EVP/CMO - Worldwide Marketing/Sales; CEO Direct Mail Division, COO - Cash Management Division, 4 CEOs reporting to me from acquisitions I led. 2200 FTE reporting to me, Led all International Licensing/Software Sales - ERP. American Express Senior VP Payment Products Sales/Marketing/Product Development - T Cheques, Money Order, EDI Prepaids, Global - 3 Divisions. Created and launched 1st Prepaid cards. CEO GasCard Inc, 4 rounds of private Equity, Oversubscribed NASDAQ IPO.

DAQ Created, contracted (cradle to grave !) the first ever ~~Affinity co-branding program - VISA -AAA -1st Virginia Bank worldwide - Affinity is largest co-branded multi-billion dollar business of financial services today and led to loyalty and new marketing paradigm. CEO "founder" of GasCard Inc., North America's 1st Fleet Card/100% electronic processor, Proprietary - High Speed Network, 4600 locations supporting ATM | POS, owner of 2 patents; profitable. CEO, led 4 rounds of private VC equity, over-subscribed NASDAQ IPO, and eventual combination/merger.

Retained by Australian Companies, to arrange largest financial services payments deal outside US in 1991/92 and largest debit card enterprise in Asia Pacific/global. Led organization with 'highest revenue per employee' in state of California for 3 years straight. Arranged directly over $ 1 billion in Structured debt/equity.

Expert in SaaS, Hosted Web Services/SOA, and a leading Global Payments/settlement expert by any measure. Hands on with knowledge that is deep and proven operating ability. Credit/debit/prepaid (Expert invented Prepaids !) 1st ever with American Express as Sr VP Payments, MasterCard/Visa Stored value and all forms of electronic Payments globally EFT~ ACH- SWIFT - CHIPS FED Wire et al global

Expert's Specialties: Wireless / Cellular Payments / Mobile Banking Payment Platforms, ACH, SWIFT, CHIPS, Disbursement/Remittance, Credit card, Debit card, Private Label, Prepaid card, Stored value; RFID, NF, Smart Card, Wireless, Pay-Pass, Biometric,Token; Mobile, MVNO; Mobile Banking / Settlement. Strategic/sales/marketing expert in all forms of authentication, fraud detection/prevention authorization/security/back office Hosted Services, SaaS, ERP, Web Services, W 2.0 , SOA - all certified Cellular Payments.

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business

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credit card

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decision-making

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ecommerce

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encryption

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international banking

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Internet commerce

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World Wide Web application


Show Secondary and Basic Areas of Expertise
Localities:
Expert may consult nationally and internationally, and is also local to the following cities: San Jose, California;  San Francisco, California;  Sacramento, California;  Oakland, California;  Stockton, California;  Fremont, California;  Modesto, California;  Salinas, California;  Santa Rosa, California;  and Hayward, California.

Education:
Year   Degree   Subject   Institution  
1969   BA, Business Administration   Economics   Saint Mary's University of Minnesota  
1978   n/a non degree   IBM Executive Management School   Harvard University - MBA School  

Work History:
Years   Employer   Title   Responsibilities

2004 to

 

Expert's Firm

 

CEO

 

Retained Software/Data Services/ Payments/Transaction Processing/ Settlement/Mobile Payments Globally SaaS (Software as a Service), deep operating experience and expert on most aspects of Financial Services, leverage points, cost structuring and network infrastructure. Inventor of Affinity Card Co-branding and Prepaid cards. 3 Time Senior Executive and Executive Officer of Fortune 100 Companies – IBM, American Express, and First Data Corporation and founder CEO of GasCard Inc which he took IPO on NASDAQ

2007 to 2009

 

SeerGate Ltd (Israel)

 

President Managing Director North American Operations

 

Authentication and Dual-token secured Lock technology is a true break through on privacy and security. For Online and Mobile Payments, and designed for PIN Code Debit

1998 to 2003

 

One Network - WebCash Technologies Inc.

 

CEO

 

Recruited by Open Office Inc., changed to One Network Data Services Inc. Completed and funded a multimillion payments gateway platform, front-end (outsourcing API channel settlement), for ISOs, payment aggregators, large merchants. We licensed worldwide / $ 5 million strategic alliance deal with Verifone / Hewlett Packard (Integrated Payment Systems IPS) platform. Designed/developed all API and APS flow, co-developed HP/Verifone POS Prepaid, ACH integration with XML, (PTML), API'S and IP. One Network had a full-scale payments and settlement platform for all payments type, SSL, Credit, Debit, Prepaid, Stored Value, T/E, Private Label, ACH, Swift, SMS, and Mobile. One Network managed its own ‘front end' components, Data center, all engineering functions, and was early user, inventor of XML/ PTML, tools for advanced payments security, supporting a multi-level Payment Processing/ Settlement/Accounting Platform. Merged Q1- 2004 • Revenues – and signed business development contracts exceeding 8 figures+ live, prior to merge with WebCash. One Network was the # 1 and Preferred HP/Verifone payments processor status, and I set up and funded with Korean money, ($ 6 million), an Asian based One Network in South Korea for Asia Pacific. • Created/launched the first cradle-to-grave and successful Prepaid Co-Branded program, GiftAmericard™ MasterCard

1991 to 1995

 

Amplicon / American Technologies Credit - California First Bank

 

Senior Vice President, Chief Marketing Officer, Corporate Officer

 

Led two subsidiaries for public VAR / High Technology NASDAQ Leasing company: Generated over one Billion Dollars in Structured debt/equity financings < 4 years. o Increased sales revenues 300% in a recession market, $120 million to $400 Million in three years. ? Tripled: - Profit ? NBIT $ 25 +million - Owner's equity ? - $ 100 + million ? My tenure - “Highest Revenue per employee” - State of California –for 3 yrs straight ? “Mission accomplished” in 1995 - Accomplished every objective set out. o Recruited and trained 5-Vice Presidents, changed 150 Account Executives - personally replaced and upgraded all staff, and retrained all in the organization. 85 % of organization reported to me. I designed the largest tele-sales operation of its type. Placed debt with large FS and banks. Equity retained for us as a company.

1985 to 1989

 

GasCard Inc.

 

CEO

 

The most recognized National Fleet Fueling payment brand in the US Proprietary Nationwide Broadband Network, GasNet ™, supporting 4600+ sites, and 240 data centers in US. • Nationwide high-speed proprietary network, GASNET™ multi-nodal, supported by industrial grade Tandem/IBM data and network center • 3800 license/franchise sites (280 franchisees); 4500 company direct sites. • Backed by 4 rounds of preferred ($ 17 million) + $ 20 million in Franchise sunken fee income before he was recruited by Korn/Ferry for Citicorp, Sears Pension, Austin Ventures, Ventana Growth Funds, and EF Hutton. Took company from -0- to gross operating profit; led over-subscribed IPO ($ 7 million in 1988). • As CEO, post IPO (oversubscribed green shoe); merger/sale to large licensees 1989 o NDA terms to mid sized oil companies. Turned down CEO contract to continue • Revenues of GasCard™ exceeded $ 250 million. Total personnel 145 direct – 450 indirect (franchisee)

1982 to 1983

 

American Express Payment Products Division

 

Senior Vice President – CMO – Marketing/Sales/Product Development

 

Was the first ‘cross over' C level organizational “migrant” from First Data into American Express 2+ years after our acquisition by AMEX. Led branding/co-branding marketing/sales for Payment Products. o Led all Payments- Travelers Cheques, Money Transfer, Money Orders, EDI, and Cashiers Cheques. o Created Launched 1st PrePaid card ever, marketed all “float” products – Prepaid Products. Three VP led sales organizations reported to me. In addition, a VP of product development and team, multiple vice president reports, 200 account representatives, 150 customer service – total about 265 people.

1978 to 1983

 

First Data Corporation

 

Executive Vice Pres. (CMO) Worldwide Marketing & Sales (Founding Executive Officer Mgmt. Team)

 

CEO/ COO of two separate divisions (founded Cash Management Division) - 2200 people Led packaged software sales and fees for services, and all processing and data services sales – all divisions. I authored unbundling of all First Data services to full functioning P/L Divisions, the first ‘fees for services' working models. • Led contracting, all VPS and sales groups; closed deals as large as $ 40+-million. o Direct reports included Regional VPs, Legal team, CPA team, Product Marketing/Sales/Support – o Co-led M*A – West Communications, division Presidents reported to me ‘800 Marketing Inc”, “PSI” , “NEBA”, Proven Products Division, Authorization Division, Embossing Division and others. • Sales grew from $ 10 million and no backlog to $ 250+ Million; major banks - 0 to 35 % of top 100 • -Led First Data –smaller company < $10 million to $250 million+ with a larger multi year backlog • Invented and Launched the first Affinity Card co-branded (VISA –AAA) this exact affinity model became the co-branding multi billion dollar juggernaut of 80s / 90s. • Direct reports and recruitments were former CEO of FDC, Founder of Netscape, Steve Jobs # 2 man, CEO of Alliance Data, CEO of ACI, Comdata

1978 to 1978

 

IBM Corporation

 

Branch Manager

 

• Hired of campus at 20 years old, after B.A. degree in Business/Math Top sales Rookie of the year at 23, • Branch Manager of IBM – Chicago Enterprise office, and 1st office of new division • Branch San Francisco – managed 250 FTE, 6 marketing managers, 75 quota Account Executives, - full Revenue/Expense responsibility of 10 figures P/L. Youngest Br. Manager in US – 27 yrs old. • Left IBM, as # 1 performer. I joined with IBM colleagues to found First Data Corporation. o As top of IBM's prized Executive Resource list benefiting from advanced management schooling and training


Government Experience:
Years   Agency   Role   Description
1990 to 1991   US State Department   CEO advisor   US State Department – chosen as CEO advisor and active executive for 40 EU companies, in State Department - Citizens for Democracy - Executive Development Program Eastern Europe – Rumania, Czech Republic


Consulting Services:
Selected Consulting Examples:
  • Retained by Australian Companies, to arrange largest financial services payments deal outside US in 1991/92 and largest debit card enterprise in Asia Pacific/global. Led organization with 'highest revenue per employee' in state of California for 3 years straight. Arranged directly over $ 1 billion in Structured debt/equity.
  • Founder Exec. Officer team - First Data Corporation; EVP/CMO - Worldwide Marketing/Sales; CEO Direct Mail Division, COO - Cash Management Division, 4 CEOs reporting to me from acquisitions I led. 2200 FTE reporting to me, Led all International Licensing/Software Sales - ERP. American Express Senior VP Payment Products Sales/Marketing/Product Development - T Cheques, Money Order, EDI Prepaids, Global - 3 Divisions. Created and launched 1st Prepaid cards.CEO GasCard Inc, 4 rounds of private Equity, Oversubscribed NASDAQ IPO.
  • Merchant Banking and investment banking advisory services. Particular serving on 4 boards, and advising transaction processing and data services (ASP) and on-demand pay per use enterprise via the internet. Expert in Authentication and all aspects of back office processing. Mobile Payments
  • Mobile Banking Cellular P2P and P2B payments platform. Cell2Cash - Worldwide solution, deployed through licensing and joint development and banking partners. Unicel is tomorrow's solution for payment and represents a great leap forward in payment and settlement. Served as Interim CEO advisor
Click the green button above to contact Expert for a free initial screening call regarding your expert consulting needs.  Expert is available for consulting to corporate, legal and government clients.  Remember, your initial screening call to speak with Expert is free.

Expert Witness:
Expert Witness Experience Summary:
US State Department – chosen as CEO advisor and active executive for 40 EU companies, in State Department - Citizens for Democracy - Executive Development Program Eastern Europe – Rumania, Czech Republic

Click the green button above to contact Expert for a free initial screening call regarding expert testimony, litigation consulting and support, forensic services, or any related expert witness services.  A few litigation needs include product liability, personal injury, economic loss, intellectual property (patent, trademark, trade secret, copyright), and insurance matters.  Remember, your initial screening call to speak with Expert is free.

International Experience:
Years   Country / Region   Summary
1989 to 1991   Asia Pacific   Led M & A in Payments and Global Services. Retained -- to arrange business combination success for largest services company in Asia Pacific, $ 70+ million in deals completed.


Language Skills:
Foreign Language  
English  

Market Research:
Expert in SaaS, Hosted Web Services/SOA, and a leading Global Payments/settlement expert by any measure. Hands on with knowledge that is deep and proven operating ability. Credit/debit/prepaid (Expert invented Prepaids !) 1st ever with American Express as Sr VP Payments, MasterCard/Visa Stored value and all forms of electronic Payments globally EFT~ ACH- SWIFT - CHIPS FED Wire et al global



Click the green button above to contact Expert for a free initial screening call regarding your marketing research, industry research, and company research needs.  For research needs involving multiple experts or secondary research, a Research Director can be assigned to coordinate the work into a custom report for you as a potentially quicker and more cost effective alternative to doing this work yourself or hiring a boutique consultancy.  Remember, your initial screening call to speak with Expert is free.


Additional Skills and Services:
Training/Seminars

Top IBM Field Marketing Executive Br. Mgr. ERP office - Chicago. IBM Banking Office San Francisco- # 1 Branch Manager US; 250 FTE/75 Marketing Founder Exec. Officer team - First Data Corporation; EVP/CMO - Worldwide Marketing/Sales; CEO Direct Mail Division, COO - Cash Management Division, 4 CEOs reporting to me from acquisitions I led. 2200 FTE reporting to me, Led all International Licensing/Software Sales - ERP. American Express Senior VP Payment Products Sales/Marketing/Product Development - T Cheques, Money Order, EDI Prepaids, Global - 3 Divisions. Created and launched 1st Prepaid cards. CEO GasCard Inc, 4 rounds of private Equity, Oversubscribed NASDAQ IPO.

DAQ Created, contracted (cradle to grave !) the first ever ~~Affinity co-branding program - VISA -AAA -1st Virginia Bank worldwide - Affinity is largest co-branded multi-billion dollar business of financial services today and led to loyalty and new marketing paradigm. CEO "founder" of GasCard Inc., North America's 1st Fleet Card/100% electronic processor, Proprietary - High Speed Network, 4600 locations supporting ATM | POS, owner of 2 patents; profitable. CEO, led 4 rounds of private VC equity, over-subscribed NASDAQ IPO, and eventual combination/merger.

Retained by Australian Companies, to arrange largest financial services payments deal outside US in 1991/92 and largest debit card enterprise in Asia Pacific/global. Led organization with 'highest revenue per employee' in state of California for 3 years straight. Arranged directly over $ 1 billion in Structured debt/equity.

Other Skills and Services

ecologically-oriented, all aspects of self and professional development - open minded


 

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