An electronic payments specialist and financial services executive serving as an expert witness with over 20 years of experience, this professional focuses on payment systems, bank operations, and product strategy within electronic funds and clearinghouse environments. Their work in legal and regulatory matters includes serving as an expert witness in cases involving electronic payments and telemarketing fraud, including matters addressed by federal and state agencies. The expert holds a bachelor’s degree in psychology and is an Accredited ACH Professional. Professional activities include participation in payment industry initiatives, public-facing campaigns promoting electronic payment adoption, and contributions to discussions on ACH risk mitigation and payment system practices, reflecting engagement with operational frameworks and risk management considerations relevant to financial services and electronic payments.

Their experience includes electronic funds transfer systems, Automated Clearing House (ACH) operations, check processing, clearing and settlement systems, and wire remittance delivery. Key areas of work involve product development, payment system strategy, and risk management, including corporate account takeover and third-party risk management in ACH environments. Additional work includes implementation of ACH and image exchange systems, development of centralized clearing and settlement models for financial institutions, and delivery of bank training on EFT and check processing. Their consulting engagements focus on assisting financial institutions and central banks in transitioning from paper checks to electronic payments, including system design, operational implementation, and strategic planning initiatives.

Currently serving as Principal of a consulting practice specializing in electronic payments, this expert advises organizations on payment system transformation and operational strategy. Prior roles include Senior Vice President positions responsible for payments product development and ACH network operations, overseeing systems such as ACH networks, wire transfer systems, and check image clearing platforms, along with responsibility for product innovation, system operations, and strategic direction. Earlier experience includes leadership in marketing strategy and communications for payment systems and development of industry-wide product and market initiatives.