Experience

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  Codes International

  • West Palm Beach, Florida Area

  • Principal and Founder

    • 2008 - Present
    • West Palm Beach, Florida Area

    Involved in major engagements in the field of financial services, mobile payments, digital and market entry strategy, the strategic use of technology, and important related policy issues regarding information sharing and data. International Development efforts include direct investments, mentoring and student grants. Educational services include being an Adjunct Professor at State College of Florida. Clients include The Policy and Economic Research Council (PERC), a non-partisan, non-profit policy institute devoted to research, public education and outreach; the American Bankers Association (ABA); American Express; and the Delaware Group.

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  MasterCard

  • Greater New York City Area

  • Vice President and Head of Business -

    • 2002 - 2008
    • Greater New York City Area

    Created first subscription-based advisory research group covering best practices in consumer lending and payments, ran TowerGroup.com, and pioneered knowledge management and best practice information sharing among the professional services arm, MasterCard Advisors.

• 

  TowerGroup

  • Greater Boston Area

  • Senior Consulting Analyst -

    • 1997 - 2001
    • Greater Boston Area

    Creator of leading boutique firm's practice covering the strategic use of technology in consumer banking. Author of 45 major reports/engagements and numerous articles and citations. Would later be the lead executive in integration of TowerGroup into MasterCard Worldwide through the management at MasterCard of TowerGroup.com.

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  Global Banks (Wells Fargo, BankAmerica)

  • Philadelphia, PA; Madrid, Spain; Buenos Aires Arg.; Los Angeles, CA; Rome, Italy

  • Vice President and Regional Manager -

    • 1978 - 1988
    • Philadelphia, PA; Madrid, Spain; Buenos Aires Arg.; Los Angeles, CA; Rome, Italy

    Senior Representative authorized as sole signature in major markets, handling country risk, business development and relationship management in Brazil, Argentina, Chile, Uruguay, Spain and Italy largely related to transactional business and related commercial risk. Resided overseas as an expatriate in Spain, Argentina and Italy. Was on Brazil desk for Philadelphia National Bank (now Wells Fargo), did groundwork for their rep office in Spain, and served as Representative handling Argentina, Chile and Uruguay; was Representative in Italy and manager of Southern Europe for the financial institutions group of Security Pacific National Bank (now part of BankAmerica).

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  Rand Corporation

  • Santa Monica, CA

  • Fellow

    • 1981 - 1982
    • Santa Monica, CA

    First author in Economics and National Security Program. PHD-level studies in quantitative methods and policy.