An electronic payments systems specialist and financial technology operations expert serving as an expert witness with more than 35 years of experience, this professional focuses on systems development, payment system operations, and risk management within domestic and international financial environments. Their work in legal and regulatory matters includes serving as an expert witness in cases involving electronic payments and fraud, including matters addressed by federal and state agencies and participation in patent litigation involving payment systems.

Their experience includes electronic funds transfer systems, clearinghouse payments, Automated Clearing House (ACH) operations, payment system rules, and telecommunications infrastructure supporting financial transactions. Key areas of work involve development of payment system rules and regulations, including frameworks for national electronic funds transfer networks and automated cheque processing systems, as well as quality assurance and user acceptance testing for payment platforms. Additional experience includes establishment of monitoring systems to identify abusive and illegal activity, ACH risk management programs, and collaboration with law enforcement to address fraud and unauthorized transactions.

Currently serving as Principal of a consulting practice focused on electronic payments and financial technology, this expert advises financial institutions and organizations on system modernization, payment network operations, and risk management strategies. Prior leadership roles include Executive Vice President of a payments services division, President of an electronic payments network, and senior leadership positions overseeing business development, information technology, and systems development for large-scale payment networks. Earlier roles include management of technical services, systems development, and telecommunications operations, with responsibility for infrastructure supporting high-volume payment processing systems.

The expert holds a business degree and maintains a permanent Accredited ACH Professional credential. Professional involvement includes long-term service on the board of directors of a national payments association, participation in advisory groups focused on payment systems, and contributions to industry standards and regulatory discussions, including testimony before Congress on payment system readiness and public commentary on ACH risk and operations. Recognitions include an award for contributions to ACH quality and risk management.