Meet Our Experts

Get fresh insights, relevant strategies and best practices from our Visa University instructors and industry experts. Their decades of practical experience and Visa expertise will help you elevate your payments knowledge and accelerate your career.


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Atlanta, USA
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Chief Analytics and Operating Officer, Lending Science DM, Visa
  • Years in the payments industry: 2

I am the Chief Analytics and Operating Officer for Lending Science DM, Inc., a leader in scientifically-driven marketing and risk management solutions for the financial industry. In this role, I work with clients to solve their business problems with analytic and data solutions, including acquiring new customers, optimizing marketing and risk metrics and maximizing profitability. Prior to Lending Science DM, I spent 16 years at Synchrony Bank, which included serving as SVP, Model Development, where I was responsible for the development of all consumer and commercial models supporting Synchrony’s private label credit card, bankcard and installment lending programs as well as reserve, stress testing and economic capital models.

I have Bachelor of Science degrees in Mathematics and Computer-Math from Furman University and a Master of Science in Statistics from Florida State University.
Karen Brown
Atlanta, USA
Karen Brown
Chief Analytics and Operating Officer, Lending Science DM, Inc
  • Years in the payments industry: 30

I am the Chief Analytics and Operating Officer for Lending Science DM, Inc., a leader in scientifically-driven marketing and risk management solutions for the financial industry. In this role, I work with clients to solve their business problems with analytic and data solutions, including acquiring new customers, optimizing marketing and risk metrics and maximizing profitability. Prior to Lending Science DM, I spent 16 years at Synchrony Bank, which included serving as SVP, Model Development, where I was responsible for the development of all consumer and commercial models supporting Synchrony’s private label credit card, bankcard and installment lending programs as well as reserve, stress testing and economic capital models.

I have Bachelor of Science degrees in Mathematics and Computer-Math from Furman University and a Master of Science in Statistics from Florida State University.

Outside of work, I enjoy hiking, boating or anything water related and spending time with my husband and two sons.

I am the Chief Analytics and Operating Officer for Lending Science DM, Inc., a leader in scientifically-driven marketing and risk management solutions for the financial industry. In this role, I work with clients to solve their business problems with analytic and data solutions, including acquiring new customers, optimizing marketing and risk metrics and maximizing profitability. Prior to Lending Science DM, I spent 16 years at Synchrony Bank, which included serving as SVP, Model Development, where I was responsible for the development of all consumer and commercial models supporting Synchrony’s private label credit card, bankcard and installment lending programs as well as reserve, stress testing and economic capital models.

I have Bachelor of Science degrees in Mathematics and Computer-Math from Furman University and a Master of Science in Statistics from Florida State University.

Outside of work, I enjoy hiking, boating or anything water related and spending time with my husband and two sons.
Anthony (Tony) Carter
Singapore
Anthony (Tony) Carter
Training Manager, Visa

“When I teach a class, my most important role is to facilitate conversations between you and your classmates so you can share real-life experiences and gain perspectives from different markets. My goal is that you not only learn something new and relevant to your role, but that you also take away ideas and inspiration to improve your performance — and the performance of your organization.”

As Training Manager at Visa, I deliver courses to our clients around the world. I’m also the instructor champion for a number of Visa University courses, where I review current global trends and Visa processes to ensure the content I teach remains relevant in our ever-changing industry.

I have practical experience in both the operational and business management aspects of banking and financial services, which includes 18 years in training, learning and development. I am an accredited career coach who enjoys travel, technology and music, and I’m currently learning how to play the guitar.
Rogerio Cazelato
Miami, USA
Rogerio Cazelato
Director, Market Learning, Visa

“While my courses provide technical knowledge, my most important job is to really listen to your questions and concerns so I can understand the underlying challenges you’re facing. I hope you leave my classroom knowing that the best solutions and processes come from critical thinking, diverse viewpoints and consumer-centered decisions.”

As Director of Market Learning for Visa, one of my main responsibilities is to deliver and facilitate training programs to our clients. I also develop new education programs for Visa’s internal teams, where I act as a consultant, content designer, coordinator and facilitator.

I joined Visa in 2013 and was responsible for the development of debit products in the Caribbean. In 2016, I became part of the Consumer Products team, expanding my responsibilities to the rest of Latin America. Most recently, in 2017 I led a regional initiative to introduce and expand contactless payments. I was born and raised in São Paulo, Brazil and speak Portuguese, English and Spanish fluently. When I’m not teaching, you can find me playing guitar or pursuing my passions of photography and reading.
James Cranfield
Madrid, Spain
James Cranfield
Founder, Insight Consultancy

“My goal is to foster a learning experience where you’ll genuinely enjoy learning about the different aspects of the payments business while engaging with me and your peers in a dynamic, open and interactive way.”

As Managing Director at Insight Consultancy, I lead consulting and training projects focused on the quantitative aspect of the business and build custom financial models and simulations for clients. I have a background in issuer and acquirer profitability and have helped hundreds of banks across the globe optimize their payments portfolios.

I bring a global perspective to my training, having lived in over a dozen countries and traveled the world extensively. I speak English and Spanish fluently and have conversational knowledge of French. I am also an avid collector of vintage credit and debit cards and a keen cards historian.
LocalHost Expert
Manila
LocalHost Expert
LocalHost Expert Test, Visa
  • Years in the payments industry: 10

“When I teach a class, my most important role is to facilitate conversations between you and your classmates so you can share real-life experiences and gain perspectives from different markets. My goal is that you not only learn something new and relevant to your role, but that you also take away ideas and inspiration to improve your performance — and the performance of your organization.”

As Training Manager at Visa, I deliver courses to our clients around the world. I’m also the instructor champion for a number of Visa University courses, where I review current global trends and Visa processes to ensure the content I teach remains relevant in our ever-changing industry.

I have practical experience in both the operational and business management aspects of banking and financial services, which includes 18 years in training, learning and development. I am an accredited career coach who enjoys travel, technology and music, and I’m currently learning how to play the guitar.
Liz Test Expert
California, USA
Liz Test Expert
Test, Visa
  • Years in the payments industry: 23

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  • Years in the payments industry:
José Foltran
São Paulo, Brazil
José Foltran
Training Manager, Visa

“The best teacher is one who inspires. My hope is that you gain more than technical knowledge from my courses — I hope you gain an inspiration to work with love.”

As Training Manager at Visa, I am responsible for delivering Portuguese-language courses for our clients and partners. I have a broad range of experience in the payments industry including working directly with issuers, acquirers and processors, as well as leadership roles in information technology, marketing, project management, operations and sales.

I am a native Portuguese speaker and am also fluent in English. Outside of Visa University, I love to ride my motorcycle on long trips and enjoy biographical movies, books and wines.
Todd Fox
San Francisco, CA
Todd Fox
VP, Global Government Engagement, Visa
  • Years in the payments industry:

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Loren Franklin
Dubai, UAE
Loren Franklin
Training Director, Visa

"My goal is help Visa clients succeed by creating energizing, engaging learning experiences. Using real-world examples and challenges, I strive to give our clients the tools to creatively solve problems, maximize the value of working with Visa and deeply understand the evolving world of payments."

As a Training Director for Visa, I am responsible for the delivery of client training programs across Central Europe, the Middle East and Africa.

I began my career by developing a quality improvement curriculum for the National Health Service in Scotland. Since then, I have designed eLearning courses, built curriculums and rolled out training programs for organizations of all sizes. I discovered a passion for training delivery after launching the virtual training platform for Mastercard Academy and have been fortunate to continue that passion with Visa. Outside of work, I enjoy writing, reading and hiking. I learned Italian at school, but don’t ask me to speak it now!
Juan Gorricho
Arlington, VA
Juan Gorricho
VP, Data Products and Solutions, Visa
  • Years in the payments industry:
I have more than 20 years of experience leading data and analytics teams for multiple organizations. Currently, I serve as Vice President of Global Data and Business Intelligence at Visa, where I oversee the use of data at Visa to foster a data-driven culture. Prior to joining Visa, I spent 10 years at Disney leading several different teams in the data and analytics space.
Natalia Grant-Ross11
London, UK
Natalia Grant-Ross11
Training Manager, Visa

“When you attend one of my courses, you’ll gain a clearer awareness of Visa products, services and systems so you can help your business improve efficiency and reduce risk. I’ll help you grow your career by giving you a better understanding of the best way to work with Visa and how you can benefit from the evolving digital ecosystem.”

As Training Manager at Visa, I provide external training to Visa clients, including private training. I joined Visa as a business development manager before serving as Head of Central Europe and North Africa (CENA) Operations for Client Support Services in the Central Europe, Middle East and Africa (CEMEA) region.

Prior to joining Visa, I earned a Master of Science in Electrical Engineering and was a lecturer in physics, electronics and electrical engineering in universities and colleges in Russia and the United Kingdom. I am a native Russian speaker and am fluent in English. I enjoy theatre, music (especially classical), reading historical detective stories, word games and gardening.
Brian Hamilton
San Francisco, CA
Brian Hamilton
Dean, School of Digital Payments, Visa
  • Years in the payments industry: 39

"Payments is a dynamic and growing industry, and success is built on the basics. My introductory courses are designed to ensure you have a strong understanding of foundational basics that you can apply in your everyday work."

I am fortunate to have spent my entire career in the payments industry, including the past 24 years at Visa, where I have held leadership roles (both in North America and Asia Pacific) in risk products, global consumer products, US debit products and acceptance. I also led the implementations of Visa’s automated fuel dispenser (AFD) strategy and partial authorization service and the rewrite of Visa’s rules. Currently, I hold the position of Dean of the School of Digital Payments at Visa University, where I am responsible for the development and implementation of fraud and operations courses.

During my leisure time I enjoy combining my passion for history and travel and have visited over 40 countries to date.
Timothy Hopkins
St. Louis, USA
Timothy Hopkins
Training Manager, Visa

“My goal is to challenge people to take their dispute resolution skills to the next level. I empower them to apply the knowledge they gain from our courses to make positive changes in their role, their organization, and ultimately, their career.”

As Training Manager for Visa, I am responsible for delivering training to our North American clients. I specialize in disputes training and was proud to be the instructor for the first-ever course of the Visa Dispute Resolution Certification scholarship program.

Prior to joining Visa, I managed the dispute resolution management team at Mastercard for 24 years. I also worked at Chase Manhattan Bank for several years. Outside of work, I enjoy music and play several instruments including a hammered dulcimer.
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Liz Test, Visa
  • Years in the payments industry: 23

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Alex Ma
Portland, USA
Alex Ma
Product Manager, Crypto Strategy and Operations, Visa
  • Years in the payments industry: 5

"My course provides you with a high-level understanding of what non-fungible token (NFT) technology is and what it can do. I hope that ultimately you will be inspired and intrigued to continue to explore ways to leverage this technology for your business."

I lead product strategy and new initiatives for the Visa cryptocurrency team, which explores cutting-edge cryptocurrency technologies and identifies areas to integrate this technology into Visa’s business. I have been an active participant in the cryptocurrency ecosystem since 2015 and I continue to engage with the latest innovations in blockchain scaling solutions (Layer 2 and proof-of-stake), decentralized finance (DeFi) and non-fungible tokens (NFTs).

In my free time, I enjoy playing tennis and basketball and trying new restaurants.
Mary Pat McMahon
San Francisco, USA
Mary Pat McMahon
Global Head of Debit, Visa

"When you attend my course, I would like you to gain a deeper understanding of debit, a payments product that continues to show significant success in competing for cash and check spend. After covering the basics – the market landscape, debit user characteristics and issuer business case, I will leave you with some best practice recommendations for accelerating growth in your own debit portfolios."

As Global Head of Debit at Visa, my team is responsible for driving the global growth and evolution of Visa’s debit product offerings, which generate over $3.5 trillion in annual payment volume globally. Prior to this role, I was responsible for managing the Visa Debit product for the U.S. and for driving growth in Visa’s U.S. debit issuer portfolios.

Before Visa, I spent time in senior roles at Bank of America (Interactive Banking Division) and at Cash Station (now Star), a regional ATM and Debit POS network that served the Chicago metropolitan area. My first role in payments was to take the Cash Station ATM network to the point of sale — the first implementation of debit for that market and a fantastic way to learn the “nuts and bolts” of the business. I received a Bachelor of Arts in American Studies from Georgetown University and a Masters of Management in marketing and finance from the J.L. Kellogg Graduate School of Management at Northwestern University. Residing in the Bay Area, I enjoy spending family time with my husband and three teenagers — playing sports, traveling to new and interesting countries, and discussing current events over the dinner table.
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  • Years in the payments industry:
Isabelle Onkelinx
Waterloo, Belgium
Isabelle Onkelinx
Owner, IO Resolution
  • Years in the payments industry: 31

“I am passionate about the payments industry and its evolving technological challenges. When I’m teaching a course, I believe in making learning a fun experience, sharing my knowledge in a clear and simple manner and providing practical examples to give you the necessary tools to resolve disputes efficiently and with integrity.”

I own the consulting company IO Resolution and provide chargeback training and solutions to issuers, acquirers, processors and merchants. I have more than 30 years of experience in the payments industry, the majority of which have been focused on dispute resolution management.

Prior to founding IO Resolution, I held the position of Director, European Dispute Resolution Management at Mastercard, where I worked for over 28 years providing chargeback expertise both internally and externally. I also managed the review of arbitration and compliance cases and provided highly acclaimed chargeback training to merchants and financial institutions with the objective of reducing financial losses to their organizations.

I am fluent in French and English. Outside of work, I love hiking in the mountains, practicing yoga and cooking for friends and family.
Elina Rodriguez
Atlanta, USA
Elina Rodriguez
Senior Consultant, Lending Science DM, Inc.

"I hope that you’ll walk away from the courses I teach with a better understanding of what goes into the construction of tools used for credit risk management, because they play such an important role for issuers. With this knowledge, you’ll be more likely to embrace and leverage the tools within your business, which should boost the profitability of your credit card portfolio."

As a Senior Consultant for Lending Science DM, Inc., I work closely with clients to design, develop and implement analytical solutions with a primary focus on credit risk management. I also conduct training and education programs geared toward risk management personnel, model users and model developers.

In 1993, I co-founded Scoring Solutions, Inc., a statistical modeling and consulting firm specializing in the financial services industry, which was acquired by Lending Science DM, Inc. in 2017. I have developed and implemented scorecards and segmentation systems for a variety of organizations throughout the world. I am fluent in English and Spanish and enjoy sailing, gardening and spending time with my two grandchildren.
Carolyn Sew
Singapore
Carolyn Sew
Training Manager, Visa

"As your trainer, my goals include giving you critical knowledge about Visa’s business, systems, rules and dispute resolution process, as well as helping you develop a skillset to apply what you’ve learned and achieve greater success in your role."

As Training Manager at Visa, I facilitate operations and disputes courses for clients around the globe and provide expert guidance as a subject matter specialist in course design and development. As a master disputes trainer, I also play a key role in Visa University’s train-the-trainer program.

I began my payments career with one of the largest banks in Malaysia working on merchant sales and marketing. I joined Visa in the early 1990s where I was responsible for setting up new clients, implementing card programs, training, and providing operations and technical support to clients in southeast Asia. Outside of Visa University I enjoy nature walks, scuba diving and exploring the use of essential oils. I am fluent in English, Bahasa Malaysia and conversational Mandarin.
Manuel (Mannie) Da Silva
Miami, USA
Manuel (Mannie) Da Silva
Senior Director, Fraud Risk Management, Visa
  • Years in the payments industry: 4

“Detecting and preventing fraud threats is critical to your organization’s success. My goal is to provide you with a solid foundation in risk management principles and an understanding the importance of good risk governance in an open classroom environment where you can share best practices with peers from around the world. I hope you’ll apply your new knowledge and skills to make changes that will optimize your risk management strategy.”

As Senior Director of Fraud Risk Management, I oversee Visa’s risk engagements for national and super regional accounts in the U.S. In this role, I ensure that financial institutions follow risk best practices to detect and mitigate real-time authorization threats. I also lead risk consulting projects to leverage, promote and drive robust analysis, fraud deterrence methodologies and quarterly fraud reviews.

I have extensive risk management experience and have held strategy, product management and consulting positions at Visa, Mastercard, Fiserv, SAS and FICO. Throughout my career, my focus has been on leveraging issuer risk mitigation, authorization optimization and fraud strategy to drive actionable risk insights, innovative capabilities, automation and thought leadership.

I am bilingual in English and Portuguese. Outside of Visa, I enjoy mountain biking and coaching my sons’ soccer teams and am currently working on a U.S. soccer coaching license.
Jody Spencer
Ashburn, Virginia, USA
Jody Spencer
Senior Director, North America Risk, Visa
  • Years in the payments industry: 27

“When you take one of my courses, my hope is that you gain a better understanding of the anatomy of a fraud event and the best ways to proactively protect your organization before it suffers any losses.”

As Senior Director of North America Risk at Visa, I collaborate with clients on their risk and fraud strategies. I frequently partner with clients to conduct regular risk reviews and identify gaps that threat actors could exploit.

I started my career in payments at the STAR Network managing their bi-annual client forums. I joined Visa in 2000 and have held positions on the product, treasury and client readiness teams. I also worked in client services, where I consulted on opportunities to improve authorization while closely watching for fraud-related issues.

Outside of Visa, I enjoy camping with my family and golden retriever (Bentley) in our motorhome.
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Founder, JT Consultancy, JT Consultancy
  • Years in the payments industry:

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California, USA
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Tester, Visa
  • Years in the payments industry: 20

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