Get fresh insights, relevant strategies, and best practices from our Visa instructors and industry experts. Their decades of practical experience and Visa expertise will help you acquire the knowledge and tools you need to succeed.
Azita Amini is a certified senior data security consultant (CISPP) and senior IT Audit instructor. She is an active member of ANSI F6 committee (PIN security and Key management) and has 20 years of experience with PIN. From designing products with PIN encryption to managing PIN compliance for debit transactions. She is well versed in the needs of financial institutions, acquirers, and processors. Azie is one of the lead instructors for the PCI PIN v2 training course for Visa Business School. She also enjoys comedy and entertainment, supporting social and environment programs, and traveling.
Chamseddine Bessaker is a Risk Services Director for Visa in the Middle East and Africa. He works with banks, merchants, government, regulators, and other stakeholders to ensure the payments ecosystem remains secure while helping banks and merchants take full advantage of the benefits of electronic payments. He consults with the Visa Business School on fraud, risk, and disputes management curriculum and courses. Chamseddine has over 12 years of experience in the card business mostly in fraud, dispute resolution, and project management. He is fluent in Arabic, French, Spanish and English. Chamseddine enjoys basketball, jogging, reading, cinema, and documentaries. His favorite joke is: “Chuck Norris has already been to Mars; that’s why there are no signs of life.”
Marta joined the Visa products and services training team in June 2013. She delivers client training on Authorization and Clearing and Settlement both on WebEx and in the classroom. Marta’s training background comes from the digital industry, with experience on CMS and SEO training following her degree in PR & Advertising and a MA Management and International Marketing. Marta is a qualified TAP (Trainer Assessment Programme) trainer having achieved TAP Certificates in Training Delivery, Training Design & Development and Training Needs Analysis. Marta speaks both Spanish and English. Outside of work, she enjoys London’s cultural offerings and travel.
Tony Carter is a Senior Trainer with the Visa Business School and is based in Singapore. He delivers various training programs to clients in Asia Pacific and globally. Tony has worked in the banking, financial services and payments industries for over 20 years, including 10 years in training, learning and development. Tony has practical experience in both the operational and business management aspects of banking and financial services and brings his deep understanding to courses such as Visa First, VisaNet Operations Management, Understanding Merchant Acceptance, Fundamentals of Visa Business and Managing Authorizations Effectively. He is also an accredited career coach. Tony enjoys travel, technology, music, and is currently learning to play the guitar.
James Cranfield is the founding member of Insight Consultancy. He has an extensive background in profitability modeling, business planning, and the United Kingdom, European, African and Asian bankcard-issuing markets. James has helped over 100 banks and senior executives establish or improve their credit, debit, and prepaid card portfolios. He also developed a diverse range of profitability models for many clients, from store card conversions to interchange forecasting. He also created the unique business simulations that the Visa Business School uses for its Visa Bankcard Management schools, the Visa Global Challenge, and in numerous workshops. James is fluent in Spanish and English and based in Madrid.
As Vice President of the Visa Business and Economic Insights team, Bruce Cundiff is responsible for providing economic and business intelligence, analysis and insights to Visa executives and clients. Bruce’s research focuses on the macroeconomic trends that impact consumer spending, as well as the latest industry trends affecting payments. Bruce has 20 years of payment industry experience, including positions at merchant acquirers, payment software and hardware solution providers, as well as research and consulting organizations focused solely on the payments industry. Bruce holds a B.A. in History and Asian studies from Tufts University and an M.B.A. from the Kenan Flagler Business School at the University of North Carolina Chapel Hill.
Guinevere has worked at Visa for 15 years in various roles within the legal, card design and fraud divisions. At present, Guinevere manages the third party member agent program in the Ecosystem Risk division. Alongside work life, Guinevere is also studying for a Business Management Degree.
Melanie is a global dispute expert with more than 17 years of experience in resolution management and process improvements. Her role is to ensure that dispute rules are current with growing market needs. She is also a seasoned trainer on the strategic use of arbitration and compliance rules and provides regular dispute resolution guidance to Visa clients around the world. Melanie has worked in various aspects of disputes from taking in the requests from cardholders, to managing ATM Acquiring for five banks in the UK and managing a dispute team handling issuing chargebacks. You will see her instructing various dispute workshops and custom courses for the Visa Business School. Melanie enjoys spending time with her family, reading, listening to music, traveling, and baking for friends and family.
Paulo Fedele has more than 20 years of experience in sales, product, financial services and customer service. He is currently Director, Client Training & Business Development with the Visa Business School and brings his extensive experience as a Visa product manager and banking sales manager to every course he teaches. He is fluent in Portuguese, Spanish, and English, and recently moved to the Miami area. He currently teaches courses such as VisaNet Operations Management, Fundamentals of Visa Business, Understanding Dispute Resolution, and Master Dispute Case Filings. He is also the voice of many of the online courses in both Spanish and Portuguese. Paulo enjoys cheering for the Corinthians (soccer), surfing, and all sports. His favorite movies include Jerry Maguire and The Last Samurai.
Steve Fisher is currently the Director of global arbitration and compliance at Visa, Inc. He lends his extensive experience in disputes to the Visa Business School for both instructor-led workshops and online courses. In his 18 years with Visa, Steve has managed regional dispute resolution teams, performed and improved client training, developed and aligned numerous dispute rules; and managed dispute metrics. Prior to joining Visa, Steve spent over seven years with both issuing and acquiring organizations. Steve enjoys photography, travel, and movies. His favorite quote is from Roald Dahl, “A little nonsense now and then is relished by the wisest men.”
José Foltran is a senior trainer with the Visa Business School. He is a native Portuguese speaker and fluent in English. José has more than 20 years of experience in the payments industry including 10 years at Visa and 10 years working directly with issuers and processors. He is currently located in Visa do Brasil in São Paulo and teaches courses such as Visa First, Fundamentals of Visa Business, Managing Authorizations Effectively, Financial Reports, Fraud Prevention, and dispute courses. His former responsibilities in the payments industry included business management, product and marketing management, as well as managing employees. José enjoys motorcycle trips, fictional movies, and enjoying Italian food with red wine, and Japanese food with beer.
Manuel Garibay has 27 years’ experience in the financial services industry in Latin America and the Caribbean, having worked for a wide range of companies, Domestic and Global. Core competencies include Operations, Credit Risk and Fraud Risk Management. For the last 22 years, Manual has been involved in designing the Fraud Managing strategy for diverse products in several Banks. He participated for more than 9 years as a member of the Risk Executives Council for Visa in Latin America. He currently works at Visa Inc. as Sr. Director for Risk LAC, focused on supporting Latin America Region’s clients to optimize their Risk Management strategy.
Natalia Grant-Ross is a senior trainer with the Visa Business School. She is a native Russian speaker and is fluent in English. Natalia has worked for than 20 years with Visa. During this time she worked successfully as a business development manager and also as head of the CENA Operations department. She provided technical support for clients in Central Europe, Egypt, North Africa and the Levant countries. She currently teaches Visa Business School courses such as Visa First, VisaNet Operations Management, VisaNet Financial Management, and Managing Authorizations Effectively. Natalia enjoys theatre and music (chiefly classical), reading (mainly historical detective stories), and cooking.
Peter Hall is the Founder and Managing Partner of Intuition International Limited, a payments specialist management consulting and executive training company. Peter is a regular speaker at industry conferences, and serves as an instructor/tutor/host at several Visa events, such as the Visa International Bankcard Management School. Peter has over 30 years of experience in advising banks across the world on the strategic, product development, risk management, profitability and marketing components of all types of consumer payment programs, including debit, credit and prepaid cards. He also shares his payments expertise in numerous online courses and workshops offered through the Visa Business School. Peter started his career at Visa International in 1980 and has also managed issuer/acquirer businesses in Croatia, Switzerland, and Saudi Arabia.
Lori is currently serving as both a US Risk Services Manager in Visa’s Risk Division where she has been engaged to consult with US Issuers on Risk trends and Fraud management using an analytic approach. Prior to Risk, Lori was engaged to consult with Visa’s largest global merchant clients on specific business opportunities and challenges as well as incubating new product ideas to meet the needs of Visa clients. Prior to Visa, Lori spent over 15 years in the Payments Industry on the processing, Acquirer and Issuer sides of the business. Specific disciplines include Product Strategy, Product Management and Operations.
Muge worked for Visa Europe’s customer support team for 5 years before joining the training team back in 2013. During her time as a Trainer, Muge looked after the client services induction and delivered client trainings around Europe. In the sessions, Muge likes to keep both trainer and troubleshooter hats on and enjoys explaining concepts based on real scenarios. Outside work, Muge is a keen essayist and awaits the day that she has her own column in a daily paper. Originally, from Turkey, Muge is fluent in Turkish and after 16 years in the UK, she is determined to get the British Accent right sometime very soon.
Natalie Kelly has over 19 years of payment industry experience with a primary focus on innovation, digital, emerging technologies, and alternative payment solutions. She is responsible for driving the digitization of payments by consulting with issuers and processors on all aspects of channel development (ecommerce, mobile, in-branch, etc.) and their go-to market strategy. In her tenure at Visa she has held various leadership roles. Natalie will be delivering two presentations at IBMS 2016. She will deliver a presentation on The Evolving Digital Landscape in the General Session and lead a discussion on Connected Card during the Breakout Electives.
Murugesh Krishnan currently leads the risk services team for Visa in Southeast Asia and lends his expertise to the Visa Business School. Murugesh has a wealth of experience helping clients formulate effective risk strategies, policies and operational controls. Prior to his career with Visa, Murugesh focused on authorization and fraud management within the card center of a well-known bank.
Craig has been with Visa since November 2003. He started his career in the customer support first line department where he answered a wide range of client queries from different European markets and worked closely with the relationship management team. He also spent a year with the client implementation team where he was responsible for managing client projects. Today, Craig is responsible for designing and delivering client implementation inductions and post induction training – in the classroom, and online. When Craig is not instructing he enjoys keeping fit – cycling, running, and yoga. He loves Indian food, the spicier the better.
Marianna Papp has been working in London for Visa Europe as a dispute resolution analyst, since 2014. In this role, she ruled on arbitration and compliance cases and provided subject matter guidance on dispute resolution related projects. Today, she is responsible for managing dispute resolution training for Visa clients in Europe and for the Visa Business School. She brings her expertise in arbitration, compliance rules, and first-hand experience in dispute resolution to her training curriculum. In the past, Marianna was a chargeback analyst for two issuing banks in Hungary. She also worked for an acquiring bank and helped manage their dispute cases. Marianna graduated in Hungary as a cultural anthropologist and archaeologist in 2006. Her first job was an archaeology assistant in Austria. Outside of work, Marianna enjoys climbing, hiking, and kayaking. She loves being outdoors and travelling.
Jose has eight years of experience working in learning and development. Four of those years are with Visa. He holds training certifications with the Chartered Institute for Personal Development (CIPD) and the Training Accreditation Programme (TAP). He is proficient in English, Spanish, and Catalán. Jose primarily trains on authorization as well as clearing and settlement. When he is not working, he participates in beach volleyball competitions, nationally and internationally.
Luis Reza is a risk manager for Visa in Latin America. He focuses on providing support to issuers and acquirers to equip them with strategies to reduce payment system risk. He also identifies areas of opportunity in the field of fraud prevention, and is a certified instructor in the different trainings and seminars on fraud prevention in Latin America. He previously collaborated as Subdirector of Payments System Risk of the Mexico division for Visa, Inc. Luis is an accomplished risk expert with 18 years of experience in the banking financial sector, including risk management, fraud prevention, and operational areas in several companies. He also participates with different bank associations and bankcard committees in Mexico and Latin America.
Elina Rodriguez is a Principal and co-founder of Scoring Solutions, Inc., a statistical modeling and consulting firm focused on the financial services industry. Elina works closely with her clients to design, develop and implement analytical solutions that enable them to accomplish their business objectives. She has developed and implemented new applicant, behavioral, collection (pre and post charge-off), targeting, and revenue scorecards and segmentation systems for major bank, retail, consumer finance, sales finance, credit union, oil card, telecommunications, energy, and commercial portfolios in the United States, Puerto Rico, Canada, Mexico, Asia, Europe, and Australia. Elina is a faculty member at the Visa International Bankcard Management School and teaches the online course, Credit Risk Management for New Accounts.
Karina joined Visa in 2007 and spent three years in the technical client support team providing expert advice both internally to other Visa departments and to clients. As well as troubleshooting clients’ queries, she actively participated in various projects and working groups. In 2011, Karina became a technical trainer, delivering inductions to new starters as well as ad-hoc training to a wide range of Visa employees. She did so for about a year and a half after which she was appointed to lead the training for Visa New Services. She managed a team of up to seven people at one point and offered training delivery and consultancy to internal departments and clients on those services, including V.me and Tokenisation. She currently oversees the Visa Technical Integration training piece. In addition to Visa services, Karina has a good knowledge of Visa’s core Authorization and Clearing and Settlement System and a good understanding of Visa’s internal processes. She has mentored new recruits and developed strong relationships with clients and internal stakeholders over the years thanks to her customer focused approach. Karina is a qualified TAP trainer in Training Needs Analysis, Design, L&D Management and Consultancy.
Cesar Santana is an Electronic Engineer with experience in the wireless telecommunications sector. He joined the Visa Emerging product team in early 2015 and covers the Latin American and Caribbean region from the Miami office. He also supports the CHIP Migration and Tokenization in the Caribbean region. Cesar is fluent in Spanish and English, and is learning Portuguese. Outside of work, Cesar enjoys learning more about flight gas radio control planes.
Carolyn Sew is a senior trainer with the Visa Business School and is based in Singapore. She has diverse international experience in global payments technology, payment card operations and financial services. She started her career in the banking industry with one of the largest card centers in Malaysia. She handled operations and merchant marketing, including recruitment, training and general merchant services. Today she travels throughout Asia Pacific and Central & Eastern Europe, Middle East, and Africa (CEMEA) teaching Visa clients. She currently teaches courses such as VisaNet Operations Management, Fundamentals of Visa Business, Understanding Dispute Resolution, and Master Dispute Case Filings.
Jeff Slawsky is the founder and President of the financial services advisory firm J. Slawsky & Associates, Inc. He spent the first 20 years of his career working in the payments industry for such notable financial institutions as HSBC Bank USA, Bank One and Bank of Boston. Since its founding in 2000, J. Slawsky & Associates Inc. has provided strategic, as well as operational advisory work for financial institutions, payment networks, processing companies, high tech startups and other firms in the credit, debit and merchant acquiring spaces. In addition, Jeff has been a frequent speaker at industry events, as well as a long time instructor at both the Visa Bank Card Business School and The American Bankers Association School of Bank Card Management. He has also authored the book "The Bank Card Business: Today and Tomorrow," published by the American Bankers Association in May of 2003 as well as co-authored the book "Managing a Successful Payments Card Business," published by Gower Publishing (London) in November 2005.
As a Threat Analyst for FireEye, Kevin Thompson educates FireEye customers and partners on the latest cyber threats to their infrastructure. Before joining FireEye, Kevin worked as a cyber analyst for the Central Intelligence Agency in Washington DC. In that role, Kevin used digital exploitation and all source analysis to educate multiple agencies of the U.S. Government on current and future cyber threats. Kevin's analytic work has been included in Presidential Daily Briefings and became a case study used in multiple training classes. Outside of work, Kevin enjoys playing with his two sons, running, and trying new breweries.
Richard is an internationally experienced risk management and compliance professional (CISSP, CISA, CISM, CGEIT) with over 30 years of varied financial services experience in regulatory, card scheme, payment compliance and data security. He is currently the Data Security and Third Party Risk Lead for Visa in Europe. Prior to this role, Richard led compliance functions in UK based acquirers, issuers and wallet operators. He also spent 17 years with Visa CEMEA in numerous roles including Head of Card Vendor Compliance & Security and Head of Data Security. Outside of work, Richard is a qualified cricket coach and volunteers with local clubs and manages youth teams at county and regional levels.
Mark Woelfer is a Senior Director within Visa’s Dispute Processing Products team. His team is leading the Visa Claims Resolution changes to continue improving processing and services for Visa’s clients. He has over 16 years of experience in the banking and financial services industry. Mark is well versed in portfolio management, payments, credit and debit product management and dispute processing.
John Yarley is a Senior Director for Business Card Products with Visa, Inc. John focuses on large financial institutions regional banks, community banks and credit unions to develop new business payment card programs, refine overall small business product strategies and assess ongoing portfolio performance. John has more than 20 years of bank card product management experience; both issuing and acquiring. John has been focused on the small business banking and payments needs for past 10 years. John will share his insight on the Small Business Overview during the Breakout Electives at IBMS 2016.
Pete Zuercher is Vice President of Global Interchange, overseeing Visa’s interchange strategy globally. In his current role, Pete works closely with Visa clients to pursue opportunities to expand acceptance and incent greater usage of Visa payment products. In addition, Pete oversees the development of pricing strategies that support new Visa products and payment initiatives. Pete has been with Visa since 2001. Prior to joining the Interchange group, he worked in Visa’s Product Development and Deployment organization focused on the development of emerging markets and new technologies. Pete received his Master of Business Administration from the University of California, Los Angeles, and his Bachelor of Arts from Columbia University.