2019 Conference Speakers
Senior Director, Network Risk - NACHA
Jordan Bennett has been with NACHA since June 2016 and is a Senior Director[CB1] , Network Risk. His focus at NACHA is understanding third-party senders and the benefits they bring to the system as well as mitigating any risk associated with this business model. Prior to NACHA, he worked at the Federal Reserve Bank of Atlanta in FedACH and in credit and risk management.
Partner - Venable LLP
Ellen Berge is a partner in the Washington, D.C. office of Venable LLP. Ms. Berge focuses her practice in the area of payment processing, working with banks, acquirers, processors, sales agents, payment facilitators, and merchants to address the legal, operational, and business challenges of transaction processing. She assists companies with regulatory compliance and responds to government investigations and inquiries and law enforcement actions involving payment processing and related merchant actions. She regularly handles matters involving the Federal Trade Commission, the Consumer Financial Protection Bureau, and other federal and state governing agencies. She also advises major international and domestic corporations and start-up entrepreneurs on transactional matters including merchant processing agreements, payment structures for processing services, fee arrangements, chargeback management, fraud prevention, and data security. Ms. Berge is a member of the Merchant Acquirers Committee (MAC) Government Relations Committee and frequently writes and speaks on payment issues.
Partner - Venable LLP
Andrew Bigart focuses on helping bank and non-bank financial institutions navigate the federal and state regulatory environment governing payments, money transmission, and fintech. Mr. Bigart assists clients with regulatory compliance matters, contract negotiations, due diligence, examinations, and civil investigations and litigation before federal and state banking and financial institution regulators. His experience includes representing financial institutions, broker-dealers, and financial services companies in matters involving the Federal Reserve, the Office of the Comptroller of the Currency, the Securities and Exchange Commission (SEC), Financial Crimes Enforcement Network (FinCEN), and other financial regulators.
VP, Prepaid Program Management - FIS
Lori Breitzke has over thirty years of experience in transaction processing and has owned a consulting business for twelve years. She is now vice president of Prepaid Product Management at FIS, a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, consulting, and outsourcing solutions. Lori is regarded as a leading expert in the payments, banking, retailing, and POS industry sectors. Lori is co-founder and co-chairman of the Prepaid Financial Crimes Task Force of the NBPCA. Lori is also the co-chair of the U.S. Payments Forum Communication and Education Committee and was awarded the EMF Honor Roll 2014–2018. Lori is also on the Financial Coalition for Exploited Children.
VP Market Strategy - ControlScan
Chris Bucolo has over 30 years of experience in the financial technology and security and compliance industries. As VP, Market Strategy at ControlScan, Chris is responsible for enhancing the company’s payments industry partnerships by understanding their strategy in the payments industry. Chris’s role also involves designing and marketing offerings that meet the unique needs of payment facilitators and their sub-merchants.
Chris possesses a wealth of knowledge in PCI compliance, payment security best practices, and merchant relationships. He holds a B.A. in Government from Lafayette College and an MBA in Finance from Saint Joseph’s University.
Vice President of Chargebacks Processing - EVO Payments International
Domenic has over 25 years of chargebacks and risk management experience on both the issuing and acquiring side of the payments processing industry. He began his career in disputes processing quality assurance in 1993 and moved over to chargebacks risk monitoring in 200 before eventually being promoted to director of all risk management.
He started his present position at EVO Payments International in 2004 and oversees not only the servicing and analysis of EVO’s chargebacks for its merchants but also the operations and systems behind the chargebacks, retrieval, and arbitration process. In 2016, Dominic developed, certified, and implemented EVO’s new in-house chargebacks system (E360). Domenic also co-manages a unique team consisting of both chargeback and risk staff members that help manage risk based on chargeback and retrieval trends within EVO’ s portfolio.
Catherine J. Cummings
Senior Director - The International Centre for Missing & Exploited Children
Catherine J. Cummings has been supporting the International Centre for Missing & Exploited Children (ICMEC) for more than 13 years in its fight against commercial child pornography. Since its inception in 2006, Ms. Cummings has managed the Financial Coalition Against Child Pornography (FCACP), sponsored by ICMEC and its sister agency, the National Center for Missing & Exploited Children (NCMEC). The Coalition is made up of financial and internet services companies and its goal is to disrupt the economics of the child pornography business.
Prior to this engagement, Ms. Cummings spent 25 years in the private sector. Most recently, she was Senior Vice President of Global Communications for Mastercard International. She holds a B.A. in Communications from Rowan University, New Jersey, USA.
JEFFREY DE PETRO
Senior Vice President and Chief Administrative Officer of Merchant Services – Esquire Bank
Mr. De Petro has been in the credit card industry for the last 25 years. Prior to joining Esquire Bank, Mr. De Petro has held a variety of executive positions within the payments industry with a focus on operations, risk management, credit underwriting, compliance, chargebacks, and fraud. Most recently Mr. De Petro managed the Business Risk Assessment and Mitigation Program (BRAM) to cease illegal activity at Mastercard. Mr. De Petro continues to be an active participant with many industry organizations where he has served on many boards and committees and has authored numerous industry articles and white papers.
Principal, Retail and Financial Services - Coalfire
Mr. Fritsche has over 19 years of experience in application and network security architecture. In his role at Coalfire, he leads a team that is responsible for translating requirements created by IT risk and compliance mandates into business-centric cyber solutions strategies. He is adept at demonstrating emerging technology solutions and architecture with company alignment to improve both business bottom line and security posture.
Senior Director, Risk Investigations / ACH Network Risk Management - NACHA
Jeanette Fox manages all aspects that make up the NACHA Risk Investigations area: the ODFI Alert Service, including ODFI Return Rate Reporting, Participant Alert Service, and NACHA’s Risk Management Portal that includes Third-Party Sender Registration, Direct Access Registration, Terminated Originator Database, and Emergency FI Contact Database. She works closely with NACHA’s Risk Management Advisory Group (RMAG) on initiatives and deliverables. Before joining NACHA, she was with STAR, the electronic payments network.
Government & Regulatory Affairs - Worldpay
Jonathan Genovese joined Worldpay (then Fifth Third Processing Solutions) in May of 2011 and manages U.S. federal and state public policy issues for Worldpay. His 20 years in the payments industry includes regulatory compliance positions with banks, international money transmitters, and payments processors.
Partner - Miller Thompson
In 2014, Sandra Gogal became the lead of Miller Thomson’s Cannabis Industry Group acting for licensed producers or other entrepreneurs wishing to enter the cannabis industry in Canada. She advises clients and prospective businesses with respect to regulatory and licensing requirements for the cultivation, sale, and distribution of medical and recreational cannabis, with a view to emerging markets in product development and retail in Canada and abroad.
Partner, Food and Drug Group – Venable LLP
Todd Halpern is a partner in the Food and Drug Group of Venable LLP, residing in the Washington, D.C. office. Mr. Halpern represents life science companies of all sizes in matters relating to government regulation of pharmaceuticals, medical devices, food, dietary supplements, and cosmetics. His expertise covers the jurisdictions of the U.S. Food and Drug Administration, the Drug Enforcement Administration, and the Federal Trade Commission, as well as other federal and state agencies. He routinely advises companies on issues relating to regulatory compliance, new legislation, and corporate transactions. In addition, Mr. Halpern leads internal investigations and defends companies against allegations of regulatory misconduct. Before joining Venable in 2017, he worked for ten years at Pfizer Inc. as Assistant General Counsel, Regulatory Law. As a member of the chief regulatory counsel’s leadership team, Mr. Halpern was responsible for the global legal support of a variety of issues impacting Pfizer’s manufacturing organization (Pfizer Global Supply) and consumer business (Pfizer Consumer Healthcare), including DEA and FDA regulatory compliance.
Partner - Arnall Golden Gregory LLP
Theresa Kananen is a partner in Arnall Golden Gregory LLP Litigation Practice and serves as co-chair of the Payment Systems Practice. She focuses her practice on handling both a wide variety of litigation and compliance issues in the payments industry, and employment litigation and counseling. On the payments side, Ms. Kananen represents processors, ISOs, and card brands, defending them in a variety of disputes ranging from lawsuits brought by cardholders implicating the Truth in Lending and Fair Credit Reporting Acts; class actions brought by merchants; and enforcement actions by government entities, including the Federal Trade Commission. Ms. Kananen also advises clients in the payments space on issues of federal and state law compliance, including surcharging and convenience fees, and participation in state EBT programs.
Senior Director, Dispute Resolution Management - Visa
David Klotz is the senior director of Global Arbitration and Compliance at Visa. He heads up the Dispute Resolution Management team for Canada, Europe and LAC regions. Recently David has taken on responsibility for the Visa Dispute Resolution Strategy and manages all dispute rule changes at Visa. He has 20 years of experience in the disputes and chargeback industry and has spent six years at the largest acquirer in Australia, the Commonwealth Bank of Australia, prior to joining Visa in 2006, where he was initially in the Visa CEMEA region. David has had key responsibility for all disputes and chargebacks matters for initially the CEMEA region, and from 2009 the APCEMEA regions, Inter-Regional, and Visa Europe liaisons.
Associate, Privacy & Data Security Group - Frankfurt Kurnit Klein & Selz
Ms. Lawrence advises clients across industries in privacy and data security matters involving the collection, storage, and use of data. She works with clients to develop privacy and data security programs and policies, respond to data breaches and regulatory inquiries, and conduct privacy due diligence. She works extensively with organizations of all sizes to address the European General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), and to build appropriate compliance programs and procedures. She has significant experience advising on new technology, advertising, and ad-tech matters, with a particular focus on the collection and use of children’s information and the Children’s Online Privacy Protection Act (COPPA). She is certified as an Information Privacy Professional (CIPP/US), and is admitted to practice in California and New York.
Claire Le Gal
Senior Vice President, Fraud Intelligence & Strategy - Mastercard
Claire Le Gal currently is senior vice president in the Cyber and Intelligence Solutions division at Mastercard, responsible for the Fraud Intelligence and Strategy team. In that role, she is responsible for a variety of global functions, including fraud reporting and analytics, cyber security solution development, and the execution of strategic initiatives to ensure that the integrity of the Mastercard payment systems is maintained as payment technologies evolve. Claire also chairs the Mastercard Global Fraud Advisory Council and Global Payment Integrity Coalition. Claire holds a BBA in International Business from Schiller International University in Paris, France, and an MBA from Columbia University.
Partner - Arnall Golden Gregory LLP
Mr. Marshall is a partner at Arnall Golden Gregory LLP where he focuses his national practice on litigating complex business disputes, with an emphasis on controversies involving the payment systems industry.
Mr. Marshall has enjoyed noteworthy successes representing payment card processors and Independent Sales Organizations (ISOs) in a wide range of matters involving private litigants, putative class representatives, states attorneys general, the Department of Justice (DOJ), the Consumer Financial Protection Bureau (CFPB), and the Federal Trade Commission (FTC). He is a frequent author and speaker on topics including legal risks facing the payments industry and principles of effective advocacy. He has been published in Transaction Trends, ISO & Agent, and the Berkeley Journal of Employment and Labor Law.
CEO - Polaris
Bradley Myles serves as CEO of Polaris, a global leader in the fight to eradicate human trafficking and to restore freedom to survivors. Since 2002, he has devoted himself to combating human trafficking and modern slavery on a local, national, and global scale. Mr. Myles' early efforts focused on directly serving survivors, researching local human trafficking markets, and helping to build Washington D.C.'s first-ever Human Trafficking Task Force. Under Myles' leadership, Polaris has worked to strengthen the U.S. national movement against human trafficking through policy advocacy in all 50 states and through a wide range of training and capacity-building programs. He also helped launch Polaris's operation of the United States National Human Trafficking Hotline (1-888-373-7888), a 24/7 operation that has now identified and responded to more than 50,000 cases of human trafficking nationwide, received calls directly from over 10,000 survivors, and formulated a unique typology of the 25 major types of human trafficking that exist in the present-day United States. This hotline and data hub model is now regarded as one of the best-functioning anti- trafficking hotlines in the world and has become a focal point of Polaris' growing global programs. Mr. Myles holds degrees in psychology and political science from Stanford University. He is the 2017 recipient of the Skoll Award for Social Entrepreneurship.
Senior Vice President of Strategic Partnerships and Network Relations - Axos Bank (formerly BofI Federal Bank)
Liz has over 15 years of experience in payments and ATM sponsorship. At Axos, she is responsible for relationships with prepaid, debit, and credit card program managers and with Visa, Mastercard, and other payment networks. She is a frequent speaker on the importance of third party risk management and compliance for non-compliance professionals. Liz also serves on the Executive Advisory Board of the Center for Peace and Commerce at the University of San Diego. She has an A.B. from Bryn Mawr College and an M.A./M.Div. in Ethics.
CEO and Founder - Terbium Labs
Danny Rogers is the co-founder and CEO of Terbium Labs, an information security and data intelligence startup based in Baltimore, Maryland. He is a computational physicist with experience supporting defense and intelligence community cyber operations, as well as startup experience in the defense, energy, and biotechnology sectors. Danny is an author and expert in the field of quantum cryptography and has published numerous patents and papers on that and other subjects. Prior to co-founding Terbium Labs, Danny managed a portfolio of physics and sensor research projects at the Johns Hopkins University Applied Physics Laboratory. He has a bachelors degree in Math and Physics from Georgetown University and a doctorate in Chemical Physics from the University of Maryland.
Partner - Financial Services Group at Blake, Cassels & Graydon LLP, part of the Fintech Team
Jacqueline's practice focuses on all aspects of regulatory compliance in the retail financial services and payments industry at both the federal and provincial level with a special emphasis on payment card and payment system compliance, mobile payments, and consumer protection legislation.
Jacqueline has been inducted into the Canadian Payments Hall of Fame and is recognized in The Best Lawyers in Canada, Canadian Legal Lexpert Directory, Chambers Canada: Canada's Leading Lawyers for Business, IFLR1000: The Guide to the World's Leading Financial Law Firms, and Acritas Stars 2018.
Sr Manager Transaction Monitoring - Discover Global Network
With over 20 years of financial industry experience, Eric Steffensen has established a robust risk mitigation background ranging from financial to fraud-related risk. Prior to joining Discover Global Network, Eric developed and managed the fraud strategy team for a top 10 global bank. This role entailed fraud mitigation strategies for credit, debit, and commercial cards. Currently, Eric manages the Discover Global Payments Risk Transaction Monitoring team, which tracks and alerts on potential bad activity for both issuers and acquirers. In addition to sitting on the MAC board, Eric is actively involved in coalitions with a purpose to thwart illegal activities such as human trafficking and illegal online pharmacies. No legitimate business wants bad activity within its portfolio, whether card issuing or merchant acquiring. At the upcoming MAC conference with Discover Insights, Eric will provide information around trends impacting the payments ecosystem.
Sr. Manager Emerging Standards - PCI Security Standards Council
Mr. Thompson is a senior manager, with responsibilities that include technical contributions to PCI standards and related efforts, as well as serving as the current chair of the PCI SSC's Point-to-Point Encryption working group. Prior to joining the Council, Mr. Thompson has spent the last 13 years involved in security-sensitive and safety-critical engineering roles. Mr. Thompson holds the CISSP, ISSAP, ISSMP, and CSSLP designations, as well as being listed on five U.S. patents from previous collaborations.
Director, Customer Compliance & Fraud – Mastercard
Jonathan Trivelas has been with Mastercard since 2002, during which time he has held various risk management roles within the Corporate Security, Franchise Development, and Franchise Integrity groups. Jonathan is currently a director in the Mastercard Customer Compliance and Fraud Team, and is responsible for a number of global customer compliance programs.
Many of the programs he manages, including the Business Risk Assessment Management (BRAM) Program, MATCH, the Global Merchant Audit Program (GMAP), and the Excessive Chargeback Program (ECP), focus on identifying and mitigating various risks introduced by merchants into the payments ecosystem, including illegal, brand-damaging, and otherwise deceptive behavior. Jonathan also manages the Global Rules Investigation Program (GRIP), which enforces compliance with all Mastercard rules that do not otherwise have an established compliance program, and the SAFE Compliance Program.
Vice President, Global Dispute Resolution Management - Mastercard, Law and Franchise
Doug Whiteside is responsible for managing the Mastercard Global Dispute Resolution Team, which manages global arbitrations, compliance case adjudications, and the Mastercard global dispute rules. Previously, Doug was a director within Mastercard’s U.S. region Customer Fraud Management Team, where he helped manage risk, fraud, compliance, and operational performance in the Mastercard Payment System. Doug has also worked as a Technology Account Manager in Mastercard Operations and Technologies where he was responsible for collaborative efforts and managing the technology and operations relationship with Mastercard’s key customers. Doug has worked at Mastercard for over 20 years, both domestically and internationally, in multiple risk management, operations management, and account management roles. During his tenure, he has gained extensive chargeback, risk, fraud, compliance, operations, and technology knowledge within the card industry.
Prior to joining Mastercard, Doug gained valuable experience and knowledge in the retail loan and telecommunication sectors. He worked for a large national U.S. bank where he helped manage the centralization of retail loan servicing and bank operations. He also worked with a large national telecommunication company where he was responsible for helping manage operations, fraud services and vendor management.