Expert Details
Credit Card, Debit Card, Prepaid Card, Wireless Payment, Mobile Banking Payment Platforms, ACH
ID: 726308
California, USA
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.
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
Education
| Year | Degree | Subject | Institution |
|---|---|---|---|
| Year: 1969 | Degree: BA, Business Administration | Subject: Economics | Institution: Saint Mary's University of Minnesota |
| Year: 1978 | Degree: n/a non degree | Subject: IBM Executive Management School | Institution: Harvard University - MBA School |
Work History
| Years | Employer | Title | Department |
|---|---|---|---|
| Years: 2004 to Present | Employer: Undisclosed | Title: CEO | Department: |
Responsibilities: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 |
|||
| Years | Employer | Title | Department |
| Years: 2007 to 2009 | Employer: SeerGate Ltd (Israel) | Title: President Managing Director North American Operations | Department: |
Responsibilities: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 |
|||
| Years | Employer | Title | Department |
| Years: 1998 to 2003 | Employer: One Network - WebCash Technologies Inc. | Title: CEO | Department: |
Responsibilities: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 |
|||
| Years | Employer | Title | Department |
| Years: 1991 to 1995 | Employer: Amplicon / American Technologies Credit - California First Bank | Title: Senior Vice President, Chief Marketing Officer, Corporate Officer | Department: |
Responsibilities: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. |
|||
| Years | Employer | Title | Department |
| Years: 1985 to 1989 | Employer: GasCard Inc. | Title: CEO | Department: |
Responsibilities: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) |
|||
| Years | Employer | Title | Department |
| Years: 1982 to 1983 | Employer: American Express Payment Products Division | Title: Senior Vice President – CMO – Marketing/Sales/Product Development | Department: |
Responsibilities: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. |
|||
| Years | Employer | Title | Department |
| Years: 1978 to 1983 | Employer: First Data Corporation | Title: Executive Vice Pres. (CMO) Worldwide Marketing & Sales (Founding Executive Officer Mgmt. Team) | Department: |
Responsibilities: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 |
|||
| Years | Employer | Title | Department |
| Years: 1978 to 1978 | Employer: IBM Corporation | Title: Branch Manager | Department: |
Responsibilities:• 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 |
|---|---|---|---|
| Years: 1990 to 1991 | Agency: US State Department | Role: CEO advisor | Description: 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 |
International Experience
| Years | Country / Region | Summary |
|---|---|---|
| Years: 1989 to 1991 | Country / Region: Asia Pacific | Summary: 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. |
Additional Experience
| Expert Witness Experience |
|---|
| 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 |
| 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. |
| Marketing Experience |
|---|
| 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 |
| Other Relevant Experience |
|---|
| ecologically-oriented, all aspects of self and professional development - open minded |
Language Skills
| Language | Proficiency |
|---|---|
| English |
Fields of Expertise
business, credit card, decision-making, ecommerce, encryption, international banking, Internet commerce, World Wide Web application, return on investment, investment banking, bank procedure, investment management, hedging, banking, private equity fund, hedge fund, investment, initial public offering, e-tailing, business strategy, Internet marketing, finance, international investment, electronic data interchange format, electronic merchandising system, decision analysis, electronic document, information technology, management information system, information management, executive information system