Meet The Advisor Board

Advisor Board

Interested in payments education? Join other payments experts as part of the PaymentsEd Advisory Board of Directors.

Participation provides Advisory board members high level interaction and relationship building with merchants, acquirers, card companies, and service providers who influence the direction of the industry, the scope of the PaymentsEd and the content of the annual event. Board companies and their representatives enjoy high visibility as representatives of the PaymentsEd in all meetings, communications, promotional materials, and the web site. PaymentsEd Board member companies have the flexibility to appoint and change their company representative for board meeting participation with approval of the PaymentsEd Merchant Board.

Board members are able to influence card not present processing protocol and strengthen merchant education in this targeted market segment. Serving as payments experts they help members follow the rules, remain in good standing with their processors, lower fraud and chargebacks, reduce potential costs, and avoid penalties and fines across all merchants in the industry.

Get Involved

MATT GULOSH

Cardinal Commerce

MATT GULOSH

Cardinal Commerce

Matt Gulosh heads up GTM Strategy for Visa’s Risk and Identity Solutions (RaIS) Portfolio, responsible for expanding and delivering new solutions and features to the market. In his current role, Matt leads a team focused on regional and global initiatives that brings together merchants and issuers so that they can effectively and securely share data to fight fraud and bring a better payment experience for ecommerce customers. Matt has held a number of roles supporting Visa RaIS, including our network agnostic products Cardinal Consumer Authentication (CCA) and Visa’s Consumer Authentication Service (VCAS). Matt previously managed Cardinal’s merchant authentication products, EMV 3DS authentication programs, and he has led several major change management and process improvement initiatives across the business. Prior to joining Visa, Matt served as a US Naval Aviator and always had a passion for technology. During his time in the Navy, he gained foundational skills for managing processes and complex programs, as well as effectively communicating risk and value among cross-functional teams. Matt holds a B.S. in computer science from the United States Naval Academy and a Master’s Degree in Human Relations from the University of Oklahoma.

RAY WATSON

FlexPay

RAY WATSON

FlexPay

Ray is the Senior Vice President of Channel Partnerships at FlexPay, a leading payment recovery solution for companies with recurring and subscription revenue. With over 20 years of experience in the global payments industry, Ray has held strategic roles at JPMorgan Chase, Ingenico ePayments (acquired by Worldline), and Litle & Co (now part of Vantiv/FIS). Beyond payments, Ray has held senior leadership positions at Sempris, The Reunion Group, and AEGON/TransAmerica Life, focusing on continuity, loyalty, and direct marketing programs. He holds an MBA from Texas Christian University (TCU) and resides in Dallas, TX.

KRISTY COOK

American Express

KRISTY COOK

American Express

Kristy Cook is the Vice President, Payments Consulting for U.S. & LAC at American Express. In this role, she oversees a multi-national team responsible for providing payment processing expertise and technical consulting to American Express merchants, processors and service providers. Before joining American Express, Kristy spent 14 years in payments acceptance at Target where she served in several payments industry forums, and she also worked 10 years in various financial roles.

LAYNE LABADIE

JCB

LAYNE LABADIE

JCB

Layne LaBadie is Vice President of Business Development and National Account Management for JCB International Credit Card Co., Ltd. She has over 20 years of experience in the payments industry. Her current responsibilities include Relationship Management, Marketing and growing JCB card acceptance for major accounts in Electronic Commerce, Retail, and Travel and Entertainment.

ERICH FRANKEN

Visa

ERICH FRANKEN

Visa

Erich leads the sales team in charge of Visa’s overall relationship with merchant and co-brand partners across the bill pay segment in the US. In his role he assumes the strategic and operational responsibility for this industry vertical and also manages Visa’s relationship with a number of industry associations. In previous roles at Visa Erich managed the Fuel & C-store as well as the retail and grocery merchant segments. Prior to joining Visa in 2014 he worked for American Express on both the issuing and the merchant side of the business. During that time he held increasingly senior positions including general manager of the merchant business for a number of markets in Europe and Global roles in large B2B relationship management while based in Frankfurt a. M., London and New York. Erich started his professional career in retail banking in his native Germany and lives with his wife in Rye, NY enjoying life as ‘empty nesters’.

Karim Bishara

Ethoca

Karim Bishara

Ethoca

Karim Bishara is a Director of Product at Ethoca, a Mastercard Company, where he leads strategic initiatives to enhance merchant and issuer engagement, streamline operations, and address challenges in payments, disputes, and fraud. Since joining Ethoca in early 2014, Karim has held various customer-facing roles, working closely with both merchants and issuers to drive success. He previously led Ethoca’s award-winning Global Customer Success team, a highly skilled and diverse group dedicated to providing personalized frontline support and training to Ethoca’s global customer base post-implementation. With a strong background in customer experience, Karim’s responsibilities include people leadership, training, operational scaling, and ensuring Ethoca delivers world-class service to its customers worldwide. Karim lives in Toronto and is an avid fan of Paris Saint-Germain.

JAIME COLBERT

Worldpay by FIS

JAIME COLBERT

Worldpay by FIS

Jamie Colbert has over 20 years of payments experience. She is currently a Senior Relationship Manager at Worldpay by FIS in the North American E-commerce space supporting Digital Content clients. She started as a Relationship Manager in 2008 with First Data (now Fiserv) and has also spend time at Bank of America Merchant Services and Chase. Prior to becoming a Relationship Manager, she worked in Product Management and Project Management. She enjoys building relationships with her customers and being their advocate with the card brands while educating them on the various aspects of electronic commerce.

Arthur Bedel

VGS

Arthur Bedel

VGS

Arthur Bedel is both the Global Director of Revenue of VGS, and the Co-Founder of Connecting the dots in Payments.... Over the course of his payments' journey, he had the opportunity to lead GTM and strategic initiatives, aiming to improve the overall payment strategy and infrastructure of global companies. Based in San Francisco, his vision and goal is to help shape the future of the payments' industry by bringing payments fanatics together and educating the masses. At Connecting the dots in Payments... Arthur is committed to establish the platform as the trusted source for payments news, insights and educational content. Arthur is also an ex-pro tennis player and a wine enthusiast.

JUAN CAMBON

dlocal

JUAN CAMBON

dlocal

Juan Cambon is the Vice President of Customer Success at dLocal, responsible for delivering exceptional customer experiences that drive business growth across emerging markets. Before transitioning into the payments industry, Juan was a professional basketball player, a career that sharpened his skills in leadership, strategic thinking, and team collaboration. At dLocal, Juan leads the Payments Optimization team, leveraging his expertise to enhance authorization rates and optimize payment processes. His role requires staying ahead of industry trends and continuously seeking innovative solutions to improve the payments landscape for global e-commerce merchants. Juan’s commitment to excellence and ability to bring impactful solutions to the table have made him an integral part of dLocal’s success in creating a more efficient payments environment.

KATHLEEN BUTLER

Discover

KATHLEEN BUTLER

Discover

Kathleen Butler has over 30 years of payments experience in strategic client development and relationship management and has spent the last 18 years at Discover. Her vast experience spans across the payments ecosystem including e-commerce, recurring payments, marketing, chargeback management, and operations. Kathleen is an innovative thought leader and trusted advisor working with clients to identify and solution complex issues.

TYLER HEUN

Adyen

TYLER HEUN

Adyen

Tyler Heun has extensive experience working with merchants and partners to set the future direction for their business and solve some of their most challenging problems through payments innovation. Spanning 15 years in the payments and banking space, he collaborates with some of the world's most sophisticated partners and merchants to leverage technology to optimize their payments ecosystem. He is an advisor for PaymentsEd, PayCLT, and RevTech Labs. He is also an active member of Merchant Risk Council, Merchant Advisory Group, Electronic Transaction Association, and Merchant Payments Coalition. He resides in North Carolina with his wife and 3 kids.

RAYMOND LEE

Stripe

RAYMOND LEE

Stripe

Raymond has extensive experience working with merchants on transforming their payments strategy. He joined Stripe in early 2018 and is a founding member of the Payments Performance Team. The team is responsible for optimizing conversion for Stripe’s largest merchants across auth rates, authentication, fraud, and costs. Prior to Stripe, Raymond was a Senior Director at Visa on the Commerce Solutions team, driving innovative loyalty solutions like card-linked offers programs for merchants like Uber and Rakuten.

MARTHA SOUTHALL

CMSPI

MARTHA SOUTHALL

CMSPI

Martha Southall is the Global Director of Client Insights at CMSPI, a leading payments advisory that optimizes payments for the world’s largest merchants. In her role, Martha is responsible for delivering Strategic Insights for CMSPI’s Global 500 client base, as well as Research and Development into e-commerce. Martha has held roles across CMSPI’s European and North American offices, and her technical specialisms include multi-acquiring, tokenization, and Alternative Payment Methods. Martha holds a First Class Honors degree in Philosophy, Politics, and Economics from the University of Oxford in England.

GINNY HUBER

Checkout.com

GINNY HUBER

Checkout.com

Ginny Huber brings extensive expertise in the payments industry, with a career spanning 20+ years. She has been pivotal in guiding merchants toward future-proofing their businesses, navigating risks, and innovating solutions to address their most complex payment challenges. Currently at Checkout.com, Ginny collaborates closely with global enterprises to streamline and expand their payment operations, leveraging her wealth of experience and strategic insights to drive transformative outcomes in the industry. Previously, Ginny held key positions in prominent organizations within the payments industry, including roles at Klarna and American Express, where she made significant contributions to enhancing strategic partnerships and driving growth initiatives. Her tenure at these companies underscored her expertise in optimizing payment solutions and leveraging her extensive network to advance the fintech landscape.

MATT LEMAN

J.P. Morgan

MATT LEMAN

J.P. Morgan

Matt Leman is the Head of Partnership Initiatives for J.P. Morgan’s payments business. In addition to being responsible for strategic partnerships, he is also a strategic advisor for the firm’s government, higher education, healthcare, non-profit and insurance segment. J.P. Morgan Payments is the global payment acceptance and merchant acquiring business of JPMorgan Chase and a leading provider of payment, fraud management and data security solutions.

MINA DEEGAN

Pagos

MINA DEEGAN

Pagos

Mina Deegan leads Solutions Engineering at Pagos, a payments data intelligence company that helps merchants improve performance and manage risk through actionable insights. She is responsible for delivering strategic products that drive efficiency and optimize revenue for global enterprise merchants. With a proven track record in effectively scaling teams in companies of all sizes, from fintech startups to established banks, Mina is deeply passionate about—and driven by—merchant success through implementing technical solutions that solve real-world payments challenges.

KRISTEN UMANA

Optimized Payments

KRISTEN UMANA

Optimized Payments

Kristen Umana works with cared-not-present, recurring revenue, and card-on-file merchants to achieve continuous payments process improvements, reduce costs, rescue churn, and increase the lifetime value of their customers. Kristen has worked in the payments space for over a decade and has experience as a merchant and a consultant. She has helped numerous businesses and has specialized expertise in payment orchestration, fraud management, and revenue optimization.

LAM VAN LUND

Mastercard

LAM VAN LUND

Mastercard

Lam Van Lund supports merchants within the Mastercard North America Market Development team. In this role, she is responsible for defining and driving technology enhancements to improve processing efficiencies. In addition, she advocates and provides merchant’s voice back to internal team related products, rules, etc., to help improve acceptance, cardholder benefits and security of the ecosystem.

John Noltensmeyer

IXOPAY

John Noltensmeyer

IXOPAY

John Noltensmeyer is a seasoned payments and cyber security professional with nearly 30 years of experience in IT, currently serving as CISO at IXOPAY, where he helps global clients navigate data protection and compliance while optimizing payment outcomes. His career spans significant roles in financial services and federal government, including IT security leadership at the U.S. Department of Commerce and software engineering for the U.S. Intelligence Community. A CISSP and IAPP-certified expert, John is well-versed in international privacy regulations like GDPR and payment security standards like PCI. He is also an active speaker and contributor on information security and payments topics.