Middle Market

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.



Kimberly Carroll
VP & General Manager, American Express Global Corporate Payments

Kim Carroll is Vice President/General Manager with American Express Global Commercial Payments, leading the Midwest market. Kim’s career with American Express spans over two decades. In her current role, Kim leads a team of approximately 60 business development professionals that are responsible for growing and expanding relationships with small to mid-sized organizations. Kim has won several awards and accolades through her tenure and most recently was awarded the Hall of Fame Award for her decades of top results as well as service to the customer and her organization. Throughout her career, Kim has had the opportunity to build relationships with executives across a broad range of industries. Her diverse exposure has provided Kim with unique insights into the payment needs of her customers. Kim also serves as a board member for the National Diversity Council’s Illinois chapter. As the industry leader in the Commercial Card space, and one of the most respected service brands, American Express’ customers range from the Fortune 50 to small private enterprises. The suite of payment solutions offers a wide range of benefits that are important to any business. Benefits most widely recognized include broad acceptance, spending controls, reporting, employee rewards, and world class customer service.



Ray Champ
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.



Kareem Chouli
VP of Sales, Americas & EMEA,  Fraedom

A commercial payments practitioner for over two decades, Kareem currently oversees Fraedom’s sales organization in both the Americas and EMEA regions. His team is responsible growing Fraedom’s 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 Visa and MasterCard in product and business development 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 graduate of the University of Toronto’s Specialist Program in Management.



Rosemarie Duus
VP, Card Services Product Manager, Treasury Management Services, TD Bank

Rosemarie Duus joined TD Bank in July 2000 and is currently Vice President, Commercial Card Product Manager within Treasury Management Services. As Vice President, she is responsible for strategy and delivery of TDs commercial card and ePayables product solutions for corporate clients. With over 25 years of experience in various aspects of card management and processing, Rosemarie was instrumental in launching the TD Bank’s card solution set for corporate clients. Prior to joining TD Bank, Rosemarie served as a Merchant Services Assistant Sales Manager at PNC Bank for the Philadelphia and Southern New Jersey markets. She currently volunteers with several nonprofit organizations in Southern New Jersey and is a graduate of Cabrini University with a BS in Business Administration and Marketing.



Dominique Fracchia
Head of Commercial Card, MD, Bank of the West

Dominique Fracchia is an international corporate banker and credit card manager with expertise and proven leadership in sales, product development, servicing, operations, and administration.
 As Head of Commercial Card, he leads a team that partners with BNP Paribas and Bank of the West relationship managers to provide cutting edge payment products for corporate clients. The Commercial Card business is part of Bank of the West’s Commercial Banking Group that delivers smart and innovative payment solutions to help fuel the growth of a diverse group companies.
Since joining the BNP Paribas Group in 2001, he has developed and managed a comprehensive Commercial Card business that competes with the long established leaders in product delivery, servicing, and value propositions. he has grown the business in North America from $100 million in spend volume in 2006 to $1.5 billion in 2017; or an average of a 28% compounded growth rate. Currently their portfolio stands at 4,000 corporate clients. 
Before joining Bank of the West, he held management positions with BNP Paribas, Visa USA, and American Express. he has over 25 years of industry experience, including 13 years in Commercial Card in North America, the EU, and Asia Pacific. He graduated from the University of San Francisco with a MBA in Finance.



Chris Holmes
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.



BC Krishna
Founder & CEO, MineralTree, Inc.

MineralTree provides Accounts Payable (AP) automation and commercial payments for middle-market US businesses. US businesses waste over $200B annually on antiquated, manual, paper-based, risky, poorly controlled invoice and payment processes; MineralTree’s Invoice-to-Pay solution brings efficiency, simplicity, and greater security and control to everyday AP. Over the course of his career, BC has been a software engineer and an entrepreneur. He has started three venture-backed software companies, and enjoys the challenge of building lasting enterprises that attack hard problems to define new business categories and yield large multi-billion dollar market opportunities. His companies include FutureTense, one of the first to create software for Web Content Management; Memento, which delivered the first product to enable financial institutions to systematically monitor employee fraud, and most recently, MineralTree. BC is an avid reader, runner, squash player, amateur chef, and lover of dogs. He is a graduate of the Massachusetts Institute of Technology (Media Lab, Cambridge, MA), and the Birla Institute of Technology and Science (Computer Science, Pilani, India).



Dean Leavitt
Chairman & CEO, Boost Payment Solutions

Dean Leavitt is the founder and CEO of Boost Payment Solutions, the only acquirer in the United States focused exclusively on the business-to-business electronic payments. Dean is a well-respected veteran of the electronic payments industry with nearly 25 years of experience in various leadership roles at both public and private companies. Dean has received numerous awards from his industry peers and is often asked to speak at industry events. Dean currently serves on the advisory board of Commercial Payments International, having previously served two terms on the board of directors of the Electronic Transaction Association. Dean holds a B.A. with high honors from Emory University, where he served on the college’s Alumni Board of Trustees from 2002-2008.



Frank Martien
Partner & Head of Commercial Payments Practice, First Annapolis (now part of Accenture)

Frank Martien leads First Annapolis’ Commercial Payments practice area and specializes in bank issuance of consumer credit cards, small business credit cards, and commercial cards (eg. corporate, purchasing, virtual accounts, fleet). His engagement experience includes a wide spectrum of strategy, market sizing, growth opportunity assessment, primary and secondary market research, financial analysis, RFP/vendor selection, valuation, expert appraisal, and M&A-related assignments. Frank’s clients include banks, payment networks, end-user organizations, and retailers. Through client assignments, speeches at major industry events, published articles and quotes, and as an Advisory Board Member of Commercial Payments International, Frank is a recognized industry expert.



Jordan Mitchell
Director Commercial & Corporate Card Solutions, RBC Payments & Cards

Based in Toronto, Jordan Mitchell serves as Director of Commercial and Corporate Card Solutions with the Royal Bank of Canada (RBC). He was a key member of the cross-functional team that launched four new Commercial Credit Cards complete with RBC NextLogic (French: Décisionnex RBC), an online, self-service card management and reporting platform. He is currently responsible for the strategy and execution of the Commercial Card product suite, seeking ways to improve card payments for Canadian mid and large market companies. Previous to joining the Commercial Cards industry, he held positions at Sears Canada and Levi Strauss & Co. and wrote business case studies for leading business schools such as Ivey, IESE and Harvard. He holds an HBA and MBA from Ivey Business School at the University of Western Ontario.



Jared Nicholson
SVP, Bankcard Commercial Card Manager, Zions Bank



Leigh Radtke
Senior Director, Commercial Product, Middle Market Lead, Visa



Mark Savoye
VP, Commercial Product Specialist, Mastercard

Mark N. Savoye is Vice President, New Payment Business, where he is focused on business development for Commercial Products including the B2B Hub, and New Payment Flows. Before joining MasterCard, Mark served as the Director of Business Planning at American Express; where he was responsible for leading strategy, business development, partnerships, business planning and competitive intelligence for the commercial card business and global network services business.  Mark holds a Bachelor of Science from New York University Stern School of Business in Marketing and International Business. Mark serves on the Board of Directors for Madison Strategies and Solving Kids’ Cancer.



Arthur Weiner
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, Citibank, US Bank and now Fifth Third Bank. 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 and is a triathlete.



Tony Yazzolino
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.