Since 2008, the CPI advisory boards have played a key role in setting the direction and agenda for CPI’s activities. Industry thought leaders from leading commercial cards and payments organizations meet several times a year to provide input and discuss key issues facing the industry, and more specifically, how it relates to the Middle Market. The CPI advisory boards have been instrumental in setting the direction of the organization and providing guidance to the industry. Members include thought leaders from all parts of the commercial payments value chain.
Nicki Bull Bisgaard
Group Head, PayTech Group
Nicki has enjoyed more than 35 years in the cards and payments industry internationally. Most recently as Group Head for PayTech – a specialist advisory services company supporting payment schemes, banks, processors and corporate clients on leveraging the opportunities provided in this highly specialized space worldwide. PayTech has under his leadership delivered more than 700 projects in 32 countries in the past 10 years alone and provided consulting services to 65% of the world’s 20 largest banks and a long list of smaller ones. Today, PayTech is recognized as a leader in their field of specialist payments expertise. Prior to founding PayTech, Nicki had a distinguished career from leadership positions as CEO at EnterCard, Head of Corporate Products at Visa Europe, Senior Vice President and head of products at DNB and Marketing Director at Sparebankort in Norway.
He was instrumental setting up the new and very successful FinTech company EedenBull in 2018 in response to customer demand from banks looking for practical support for new and innovative payment solutions in a time where new technologies, new regulations and new players are changing the way consumers and businesses think about payments. He was consequently appointed Chief Executive Officer at EedenBull in May 2018.
SVP, Head of Commercial Card Product, Citizens Commercial Banking
Ray joined Citizens Financial group in December 2017 and leads the Commercial Card product strategy encompassing core product management, development, and payables. Ray leads a number of initiatives to drive competitive differentiation for Citizens and more importantly, value for its Commercial Banking customers. Ray’s team is also responsible for strategic product roadmaps across traditional card, virtual card, spend reporting tools, and supplier enablement.
Previously, Ray served as the lead of Commercial Products at Mastercard in North America managing Product development and management initiatives for the small business, mid-market, large market and public-sector segments. Ray was charged with developing a differentiated product strategy across a host of Commercial Card assets. In addition to Product, Ray also led Mastercard’s relationships with a number of issuers including JPMorgan, WEX, HSBC, and Citizens spanning credit, debit, prepaid, cobrand, and commercial card portfolios. Ray lives in Connecticut with his wife and 2 daughters.
Chief Revenue Officer, Spendlabs
A commercial payments practitioner for over two decades, Kareem leads SpendLabs’ sales, account management and marketing organizations globally. As such, he is responsible for expanding their footprint within the banking and commercial payments segments servicing both business card and commercial card issuers. A thought leader in many respects, Kareem has worked with dozens of banks ranging from regional to multinational issuers, helping clients launch their initial card offerings and optimizing and growing their portfolios through adopting new technologies.
Kareem’s previous experience includes senior management positions with brands and FinTechs such Visa, MasterCard and Fraedom in product, relationship management and sales roles. He has also spent a significant portion of his career working as a management consultant and entrepreneur. He has worked extensively with both providers and end-users to develop commercial card program strategies and on the implementation of enterprise commercial card and electronic payments technology solutions. Kareem is a graduate of the University of Toronto’s Specialist Program in Management.
SVP, Boost Payment Solutions
Stephen Cohen has worked for 10 years in the electronic payment industry. Prior to Boost, he held senior positions at Brillian Technologies, Fastcorp, and was a consultant at Bain & Co.
SVP, KAE Consulting
Chris is a Senior Vice President at KAE, the strategic marketing consultancy. Chris joined KAE in 2007 and during this time, he has managed multiple high profile global projects across the payments space (focusing on various issuing and acquiring topics across both the commercial and consumer payments sectors), banking, FinTech, AltFi and telco industries. His specialist skills are geared to NPD, market sizing and opportunity assessments, benchmarking, and best practice identification. He also heads KAE’s FinTech practice as well as KAE’s wider marketing and business development activity. Chris holds a BSc (Hons) Business Studies degree from the Cass Business School and is also a qualified professional marketer (DipM) and a member of the Chartered Institute of Marketing (CIM). Prior to joining KAE, Chris provided market research and consultancy support on Responsible Business Practice and international development opportunities for the UK Food and Drink industry.
CEO and Co-Founder, Extend
Andrew is the CEO and Co-Founder of Extend, a platform that enables banks, FinTechs and their customers with digital card distribution capabilities. Prior to starting Extend, Andrew was the head of B2B Corporate Payments Products at American Express with a mandate to drive digital payment innovation and adoption. Over the course of six years, he doubled the size of B2B payment volumes by launching and scaling new capabilities and platforms. Prior to American Express, Andrew spent eight years managing global SAP deployments for large multinational corporations.
Managing Director, Accenture Strategy
Frank Martien joined legacy First Annapolis in 1996, now a part of Accenture, and is an expert in B2B payments strategy where he focuses on acceptance network-rail settled B2B payments (e.g., virtual cards, corporate cards, p-cards, business credit cards, and fleet cards. His engagement experience includes a wide spectrum of strategy, primary and secondary market research, financial analysis, vendor selection and M&A-related client assignments. Frank’s clients include banks, payment networks, private equity firms, and multinationals. Through client assignments, speeches at major industry events and client conferences, articles and quotes in payments-related publications, and as an advisory board member of Commercial Payments International, Frank is a recognized industry expert. Frank received his MBA from the Darden School at the University of Virginia. He received his undergraduate degree from Washington & Lee University.
SVP, Bankcard Commercial Card Manager, Zions Bank
Jared is the Division Manager over Commercial Card Products and Services for Zions Bancorporation. His team includes sales, account management, implementations, sales support, operations, product development and reporting functions, in addition to shared risk/credit oversight. He has 18 years of experience in the Commercial and Business Card industries. Prior to joining the Zions in 2010 to build their Commercial Card program, he served GE Capital Financials Commercial and Business Card divisions for 10 years in a variety of roles, including Account Management, In-house Card Program Administration, and Servicing. He is a father of two, movie buff who has seen every Best Picture Oscar winner, and a self-described “Lego maniac”.
Director, Payment Innovation, Bank of the West
Kalpana is currently in the Commercial Card Division at Bank of the West, BNP Paribas where she drives innovative payment solutions. She has been with Bank of the West for 12 years and managed product, operations and vendor management teams in the Consumer Credit & Debit Card Division. Prior to joining Bank of the West, she was an independent consultant supporting brand analysis and card conversion of Bank acquisitions as well as development of P&L. She started her career at Wells Fargo Bank where she managed key projects for the ATM and Debit Card products. She also has held account management roles at MasterCard supporting issuing banks. She graduated from the University of California, Davis and attended the Pacific Coast Banking School. She currently resides in San Francisco, California.
Senior Director, Commercial Product, Middle Market Lead, Visa
Head of Commercial Card, MD, Fifth Third
Arthur Weiner is an accomplished payments industry leader with 30+ years of successfully bringing products to market for leading global companies, including Mastercard and Citibank. Prior to joining Fifth Third Bank, Arthur spent two years at US Bank as Global Head of Relationship Management for Payables & Travel solutions. He led a sales team in revenue growth of over 1,000 large corporate, middle market clients in the United States, Canada and Europe. Arthur worked at Mastercard for 17 years as a senior manager focused on new product launches for consumer, small business and commercial card products. After receiving his MBA from Adelphi University in New York, he started his professional career with Citibank Diners Club implementing joint marketing programs with major airlines, hotels and car rental companies designed to acquire new cardholders. Arthur lives in Chicago with his wife and 2 daughters and is a triathlete and marathon runner.
SVP, Commercial Card Director, Umpqua Bank
Tony came to Umpqua Bank through the Sterling Bank merger in 2014 and has been with the combined companies for 12 years leading and growing the bank’s card based payments business. He currently oversees the bank’s credit card programs and includes a combination of in house and agent programs to support the bank’s commercial and consumer banking units. Tony began his career in 1992 with West One Bank and has held various roles at US Bank, Wells Fargo, and local community banks and has over 20 years of experience in payments, cards, and acquiring business lines. Tony graduated from University of Oregon, Northwest Intermediate Banking School, and the ABA School of Bankcard Management. Tony lives in Portland Oregon with his wife and 3 daughters.