Robert Misasi President & CEO rmisasi@mercatoradvisorygroup.com 781-419-1702 Robert Misasi is founder and President of the Mercator Advisory Group. He has advised many of the world's top financial institutions on business and technology issues and has managed strategic market research and consulting assignments for member clients around the globe. Robert is committed to the belief that Focus and Service are the two attributes that drive successful membership-based research firms. Mercator Advisory Group is a prime example of this providing enhanced member value through depth of content and meaningful analyst relationships.  This leads to deeper industry expertise and a network of relationships that is unmatched in the industry.  It is this expertise and network value That differentiates Mercator Advisory Group as a strong business partner for our member firms.  Further, our members gain comfort in knowing that all resources are directed to furthering the payments industry charter. Robert has spent the past 18 years serving the financial services industry. His background includes work with the  TowerGroup (currently owned by MasterCard International), Meridian Research and with Deloitte & Touche, LLP. Since founding Mercator Advisory Group in 2003, Robert has continued to develop and enhance the role of Mercator through introducing Mercator's CustomerMonitor Survey Series (CMSS), a leading primary data vehicle that is utilized by our clients to monitor changes in customer behavior and attitudes towards payments industry products and services.  In 2011, Robert launched PaymentsJournal, a news and information web portal for the industry. PaymentsJournal  is the first analyst-driven news aggregation and free content hub site for the industry.  Robert is also a private investor in market research and financial services oriented advisory/consulting firms. He and Mercator Advisory Group are frequent contributors to leading industry publications including: American Banker, The Wall St. Journal, Digital Transactions, Bank Technology News, Card Forum International, Card Technology, Smart Card News, CardLine, Cards & Payments, The Green Sheet, and Digital Transactions. Robert graduated with concentrations in Accounting and Entrepreneurial Management from the Wharton School at the University of Pennsylvania.

Dan Murray Advisor to the CEO dmurray@mercatoradvisorygroup.com 781-419-1700 Dan Murray is an Advisor to the CEO at Mercator Advisory Group and has over forty years of financial services experience including: Management consulting Business and distribution Development Direct Marketing Sales, Strategic Alliances M&A Dan has held senior management positions at several financial global leaders. Specific experience includes: Management Consulting.  Fifteen years of consulting and advisory engagements as a member of the leadership team for PSI and for Tower Group.  Expertise include:  payments, cards, merchant services, retail banking and small business management. General Manager. U.S. Cards, MasterCard International. Responsibilities include:  Marketing, co branding, promotions, product management and development, research and member services. Managing Director MHT.  Responsible for the Card and Merchant Businesses. Held executive positions at Citigroup covering the retail and commercial banking groups, cards, payments, marketing and business development. Held senior marketing positions for American Express in the Consumer and Business Card Groups. Dan has an MBA from Fordham University and a BBA from St. John's University.

Ken Paterson VP Research Operations / Director, Credit Advisory Service kpaterson@mercatoradvisorygroup.com 781-419-1715 Ken Paterson is Vice President of Research Operations and Director of the Credit Advisory Service for the Mercator Advisory Group. Ken has over 25 years experience in financial services market research, strategic planning and consulting, including payment services experience with Visa International, Visa USA, Fair, Isaac and Company, and Bank of Boston. Ken's ongoing credit-related research topics at Mercator include reward programs, collections practices, credit scoring, private label and co-branded cards, card marketing, small business credit, and alternative credit services. His payments-related experience encompasses market and business case modeling, competitive analysis, product development, product positioning, and assessment of international payment system opportunities.  In 2009, Ken launched Mercator's Advisory Group's CustomerMonitor Survey Series, a primary data offering that covers consumer payment and banking channel topics. Ken has deep experience in the design and execution of primary research studies as Practice Leader for Research with consulting and research firm Spectrem Group, as VP for Research with marketing services firm HNW, Inc., and as Market Research Manager at Bank of Boston. Ken has participated in a range of industry conference speaking engagements and press briefings regarding his various research efforts. Ken is widely quoted in both the mainstream and industry trade press, including the Associated Press, The New York Times, The WallStreet Journal, thestreet.com, The Green Sheet, and U.S. Banker. Ken holds a BA from Bates College, and an MSW in applied research from Boston College.

Ian Rubin Vice President and Managing Director, Custom Research & Consulting irubin@mercatoradvisorygroup.com 781-419-1710 Ian Rubin is Vice President and Managing Director of Mercator Advisory Group's Custom Research & Consulting Group. Ian brings nearly 15 years of global financial services consulting and market research experience to Mercator Advisory Group. He joined the company in 2009, and is a member of the senior management team. As managing director of Custom Research & Consulting, Ian oversees the firm's strategic and proprietary client work. Client engagements include a variety of market opportunity assessments, competitive intelligence research, benchmarking, and go-to-market support services. Ian has developed Mercator's multiclient syndicated research programs, and has directed the firm's expanding international consulting efforts. Prior to joining Mercator Advisory Group, Ian served as senior vice president of Financial Research Corporation's asset management research and consulting business. Ian was responsible for overseeing research programs, bringing new services to market, and developing and managing long-term client relationships. Prior to his position with FRC, Ian was a founding member of Financial Insights, the financial services research subsidiary of technology market research firm IDC, where he led its consulting practice. Prior to joining Financial Insights, Ian was the founding director of IDC's online financial services research group. Ian's career in financial services market research began in 1996 as a senior analyst at TowerGroup, where he was responsible for retail banking delivery channel research. Ian earned a master of business administration from Columbia Business School and has a bachelor of arts in economics from Brandeis University.

Tim Sloane VP Client Services / Director, Prepaid Advisory Service tsloane@mercatoradvisorygroup.com 781-419-1712 Tim Sloane is Director of Mercator Advisory Group's Prepaid Advisory Service. In this role Tim's team, including Ben Jackson and Brent Watters, monitors industry trends and events, advises prepaid industry leaders on unique business and product strategies, and supports the launch of innovative prepaid programs. Tim also serves as VP of Client Services for Mercator.   Since 2003, Tim has managed and directed Mercator's annual Prepaid Benchmark series, measuring the growth of 26 market segments, including solutions deployed on Open-Loop Card Networks, Closed-Loop Networks, and the EBT.  This research was extended in 2009 with the addition of annual surveys that target consumers, prepaid mall operators, issuers, and distributors to establish the industry's only comprehensive view of prepaid distribution trends, by channel, and product.  This Mercator Advisory Group research is used by all leading program manager and processors to measure their penetration and opportunity, and is often quoted in corporate financial statements such as the Green Dot and Netspend public offering documents. Tim has served as an expert witness in federal and state courts and contributed to FDIC research. He is widely quoted in both financial and industry press including the Wall Street Journal, New York Times, Paybefore, American Banker, and Digital Transactions.  Tim is a highly sought after speaker both domestically and abroad.  He has participated at industry events that include The Prepaid Expo, ATM, Debit & Prepaid Forum, CFSI Underbanked Financial Services Forum, EFTA, ETA, NACHA, etc. and has spoken at private events hosted by a wide range of industry participants including the ABA, American Express, Citi, FIS, Fiserv, First Data Corporation, Green Dot, Incomm, and MasterCard.

Brent Watters Director of Marketing / Analyst, Prepaid Advisory Service bwatters@mercatoradvisorygroup.com 781-419-1709 Brent Watters is Director of Marketing for the Mercator Advisory Group. He also provides analyst support to Mercator's Prepaid Advisory Service team. Brent has spent the past 15 years in marketing, communication, analysis and content development roles. Brent's leads the company's marketing team and is responsible for managing Mercator Advisory Group's brand strategy and the development and marketing of the company's products and services. In 2011, Brent was instrumental in the creation of Mercator Advisory Group's PaymentsJournal, the fastest growing online payments industry news and information hub. Brent manages the daily content development of the site and is committed to the ongoing growth and future development of PaymentsJournal. Prior to being named Director of Marketing, Brent served as a senior analyst for Mercator's Prepaid Advisory Service. Bent has been active in prepaid since its early widespread adoption and remains engaged with leading players in the prepaid industry.  In his supporting role, Brent has contributed to numerous strategic assignments concerning the rollout of prepaid cards by leading industry processors and has worked for many of the top 10 banks and top program managers looking at their payroll, general purpose reloadable, gift and incentive prepaid strategies. Prior to joining Mercator Advisory Group, Brent served as Senior Editor for Prepaid Media, Inc. and was responsible for developing market analysis, case studies, and editorial content focused on industry and competitive analysis.  In addition, he managed a team of authors writing high level, strategic content focused on the prepaid payments industry. Brent joined Prepaid Media after spending years with SourceMedia, as Senior Editor, launching and managing production for Prepaid Trends.  This followed editorial positions at ATM&Debit News and ISO&Agent Brent is frequently quoted in leading industry publications including: American Banker, ATM & Debit News, Cards and Payments, Digital Transactions, The Green Sheet, CardLine, Payment News, and The Prepaid Pres. Brent has a B.A. in Journalism and Minor in Marketing from Western Illinois University.

Patricia Hewitt Director, Debit Advisory Service phewitt@mercatoradvisorygroup.com 781-419-1719 Patricia (Patti) Hewitt is Director of Mercator Advisory Group's Debit Advisory Service. Her lengthy career in the financial services industry spans 30 years and covers a wide range of the payments and banking market.  Patti's areas of expertise include: Payment product strategy and implementation. Competitive market analysis Market trends Business model development Product positioning and go-to-market strategies Vendor assessment Prior to joining Mercator, Patti held a succession of leadership positions within Fiserv, PaySys International, and SunTrust Bank in addition to running her own consulting firm.  Her career has been entirely focused on the financial services industry with an emphasis on building value through strategic product development, resource management, and operational excellence. Patti's knowledge and experience in successfully creating innovation from within has continued at Mercator Advisory Group where she leads the Debit Advisory Service and is a recognized industry thought leader for her work analyzing the market during a time of tremendous turmoil and opportunity. Patti graduated from the University of Miami, cum laude with a degree in English.  She has taught classes at the Florida Bankcard School and was as adjunct business instructor at Central Florida College. Patti is an accomplished writer with her work appearing in the Journal of Payments Strategy & Systems and other industry publications and she is widely quoted in mainstream and niche publications. Patti is a frequent speaker and panelist at a wide variety of industry events covering topics such as trends in the debit market, loyalty, revenue generation, legislative impact, and product/market strategies.

George Peabody Director, Emerging Technologies Advisory Service/Fraud, Risk & Analytics gpeabody@mercatoradvisorygroup.com 781-419-1716 George Peabody is Director of Mercator Advisory Group's Emerging Technologies Advisory Service. Besides researching technology innovations critical to FIs, processors and retailers, George provides strategic and tactical consulting to company's members. With ten years of payments industry experience and a 25 year career in the IT industry, George has held senior leadership positions in software development, marketing, project management, and market research. He is a co-founder of payment identity switch company Payment Pathways. At Boston's Aberdeen Group, he was Vice President of its telecommunications research practice. A former business columnist, George founded ISP RapidNet and managed city, government, and telecommunications industry relations for his firm. George's current research is focused on online and mobile payments, security, NFC and the intersection of these critical technologies. His work benefits ecosystem participants including card networks, financial institutions, processors, merchants, and mobile operators. His research work also includes investigations into point of sale trends, merchant self-processing, contactless cards and digital content markets. George frequently presents at tradeshows and client engagements including the annual events of the Electronic Transaction Association and Smart Card Alliance shows. An in-demand speaker, his recent presentations include audiences as broad as the Visa Security Summit, the FDIC's FDIC Advisory Committee on Economic Inclusion, the Merchant Risk Council, the Multi-housing Laundry Association, the National Restaurant Association, and a range of private client events. George has served on the Electronic Transaction Association's Technology Committee. He has been quoted widely in media outlets including Business Week, Forbes, American Banker, Digital Transactions, ISO & Agent, CreditCards.Com, various public radio stations and other media outlets.

Terry X. Xie Director, International Advisory Service txie@mercatoradvisorygroup.com 781-419-1704 Terry Xie is Director of Mercator Advisory Group's International Advisory Service, where he leads the firm's industry-leading strategic and market consulting and research practice on international payments markets. Terry has extensive experience in international strategy consulting, investment consulting, strategic marketing planning, and business development in payments, financial services, IT, Internet, investments, and other areas and is an expert on the global markets. Terry's current areas of expertise include: • The global prepaid market landscape: the current state, potential, and challenges • In-depth coverage of China's consumer e-payment markets: credit and debit cards, online payments, mobile payments, and prepaid cards. • Emerging payments markets, especially those in Asia-Pac, Latin America, and Central and Eastern Europe (CEE) including but not limited to Southeast Asia, Brazil, India, and Russia. • Market entry strategies in international markets including both developed and emerging markets. • Emerging payments (alternative payment services and networks) and technologies (online payments, contactless, mobile payments, NFC) around the globe • Best practices and disruptive changes (regulations, industry consolidation and restructuring, competition from non-traditional players) in the global banking and payments markets. • Investments in the global payments market. Terry has worked with U.S. and international clients in surveying international payments markets, evaluating opportunities and challenges, and developing market entry strategies. Sample recent projects include: • Evaluated bill payment opportunities in major emerging markets including Brazil, India, Indonesia, and South Africa for global payment company. • Worked with a global payments company in evaluating credit card prescreening, fraud, and credit risk management market opportunities in major emerging markets. • Assisted management team of international payment processor on initiative to launch prepaid processing platform in Italy. • Helped global financial solution provider develop international payment market profiles of 21 major markets for global expansion initiatives. • Worked with a leading global prepaid company in expanding their presence and product offerings in the U.S. market. Terry has been quoted broadly in major business media and leading industry publications including Bloomberg, Financial Times, American Banker, Cards & Payments, Cards International, Pay Before, Cardline, ATM & Debit News, Latin Trade Magazine, CPI Financial, among others. Terry has also spoken at several private and leading public industry events such as Prepaid Expo. Before joining Mercator Advisory Group, Terry was with Market Platform Dynamics where he led the strategic consulting firm's overall efforts of industry and vertical research, strategic consulting engagements, and investment projects. Terry also worked with the Strategy Development Division of China UnionPay in the translation of "Paying with Plastic" into Chinese as the author's representative and translation reviewer. Previously, Terry worked as a technology market strategy analyst at IBM's T.J. Watson Research Center and also held several consulting and industrial positions with leading firms in the U.S. and China. Terry holds a Bachelor of Architecture from Tsinghua University (Beijing, China) and an M.S. degree from MIT with a focus in information technology and business strategy. He also studied at the Pennsylvania State University.

Edward O'Brien Director, Banking Channels Advisory Service eobrien@mercatoradvisorygroup.com 781-419-1726 Ed O’Brien is Director, Banking Channels for the Mercator Advisory Group.  Ed’s research focus areas include ATM, Branch, Call Center, Mobile Banking, and Online Banking channels.  This research comprises analyses of customer segmentation and technology shifts from the perspective of banking channels. Ed’s experience includes over 20 years in corporate strategy, market research, market and competitive intelligence, product marketing, and analytics roles.  His background encompasses such initiatives as deposit strategies, debit and credit cards, wealth management, small business, customer analytics, asset management, market segmentation, and cross-sell opportunities across various lines of business. This expertise includes launching and supporting new products, technologies, and services for banking and financial services, consulting, and enterprise software firms.  Ed’s background incorporates: Development of go-to-market strategies Planning and managing large-scale product rollouts Assessing the impact of existing and proposed initiatives      Ed’s marketing specialties include marketing strategy and market research as well as the use of complex analytics tools, such as SAS, SQL, and CRM applications, to better understand customer demand and determine key market drivers.  His experience includes the roles of VP, Market Information at Bank of America; Director, Product Marketing at Mincom Software; Manager, Market and Competitive Intelligence at MRO Software; and Project Director, Consulting and Training for MDI Creative. Ed has also consulted with, and presented to, a wide variety of firms in the banking and financial services, retail, and enterprise software industries.  He is also active with the American Marketing Association, the Strategic and Competitive Intelligence Professionals, the Association for Strategic Planning, the Boston Product Management Association, and The American Society for Training and Development.          Ed holds a BS degree in Business Administration from Boston University, and an MBA degree with a concentration in Management from the Bentley University McCallum Graduate School of Business.

Patricia McGinnis Director, Commercial and Enterprise Advisory Service pmcginnis@mercatoradvisorygroup.com 781-419-1722 Patricia McGinnis is Director of Mercator Advisory Group's Commercial and Enterprise Payments Service, and a 25-year financial services industry veteran.  Her wide-ranging experience of the global financial services industry includes the perspectives of banker, technology vendor, academic, consultant, and industry analyst.  In addition to commercial payments research, she advises clients, primarily those  with interests in commercial and international markets. Her domains of banking expertise include: wholesale and corporate finance, including payments and supply chain services enterprise-wide financial and risk management functions cash management and treasury management credit management in both consumer and corporate markets and, Internet based channel strategies, including social media  Previously, Patricia served as a director of research for IDC Financial Insights, specializing in corporate and wholesale banking, as well as emerging IT infrastructures and architectures.   Prior to joining IDC, Patricia was a director at Mainspring Communications, and also at The Tower Group, in both cases assisting financial industry clients and technology vendors to develop, articulate, and implement technology-enabled strategies for financial businesses.  She began her career in commercial lending and international banking, but developed her interest in the technology foundation of financial services during several years providing marketing and sales support for a global hardware vendor.     Patricia is a well-known speaker in the area of technology’s impact on financial services firms and financial product markets.  She holds a bachelor of arts degree in economics from Harvard University, a master of science degree in management from the MIT Sloan School, and a master of science degree in computer information systems from Bentley University.

David Fish Senior Analyst/Fraud, Risk & Analytics dfish@mercatoradvisorygroup.com 781-419-1718 David Fish is a Senior Analyst with the Mercator Advisory Group. He leads research initiatives focused on the merchant acquiring space, supporting clients already active as merchant acquirers and processors, organizations considering and executing market entry strategies, and vendors selling into the merchant services market.  In addition to coverage of payment acquiring, Dave contributes to Mercator's expertise around issues of merchant services payment acceptance fraud management back-office merchant solutions value-added resellers, services, and technology innovation at the point-of-sale David came to Mercator Advisory Group with extensive operational and managerial experience in the acquiring and merchant payment processing sector of the payments industry, having held positions at North American Bancard, Inc. and Global Payments, Inc.  His background includes significant work in fraud investigation and risk management, point-of-sale security and best practices, company-specific and industry-wide regulations and operating procedures, and business process analysis. Dave has been quoted or published in several leading payments industry trade publications and other news outlets including ABC News, American Banker, The Associated Press, The Chicago Tribune, Digital Transactions, The Green Sheet, GSQ, Intele-Card News, ISO & Agent, The Kiplinger Letter, PaymentSource, Prepaid Press, Prepaid Trends, Thomson Reuters, Transaction Trends, Selling Prepaid, and The Washington Post.  His research documents and presentations have also been used to support internal client communications and events, conferences, and trade shows. Dave has both an M.A. and a B.A. in English from SUNY New Paltz.

Ben Jackson Sr. Analyst, Prepaid Advisory Service bjackson@mercatoradvisorygroup.com 781-419-1706 Ben Jackson is Sr. Analyst of Mercator Advisory Group's Prepaid Advisory Service. Ben has over 10 years of experience in banking and payments research and is an expert on applying prepaid to help organizations solve tactical and strategic problems. Ben's areas of expertise include: Closed-loop prepaid industry trends Open-loop prepaid industry trends Business models and the economics of prepaid Placing prepaid into a larger business planning context Ben has advised financial institutions on launching prepaid programs, helped retailers evaluate closed-loop strategies, and worked with third party processors and program managers on all aspects of their programs. He has also been instrumental in producing Mercator Advisory Group's annual benchmarks on the prepaid industry that document the size and shape of the overall prepaid market. Before joining Mercator, Ben worked as an independent consultant for a variety of clients, including the National Community Investment Fund, for whom he documented the intricate workings of the prepaid card industry in the report "Demystifying Prepaid Cards: An Opportunity for the Community Development Banking Institution Sector", which was identified as one of "15 Must Read Prepaid Debit Card Research Reports" by GetDebit.com. Before working as a consultant, Ben covered the prepaid industry and community banking for SourceMedia, where he served as an editor for Prepaid Trends, Mobile Banker, and worked as a leading writer for the American Banker. Ben's research and analytical background also includes work as a municipal bond analyst for Federated Investors Inc. Ben has spoken frequently at major industry events, including the Motivation Show, Prepaid Expo, and The Prepaid Press Expo. He has been quoted in many media outlets, including bankrate.com, American Banker, Paybefore.com, and Digital Transactions.

Karen Augustine Manager, CustomerMonitor Survey Series kaugustine@mercatoradvisorygroup.com 781-419-1728 Karen Augustine is Manager of the CustomerMonitor Survey Series, a primary data and analysis offering that tracks consumer attitudes and behaviors toward payment products and banking channel topics. Karen has 20 years of experience in market research, strategic planning, and consulting in a variety of consumer and high technology products and service industries including real estate, printing and publishing and networked services. Karen’s areas of expertise include: Market size, segmentation, and forecasting Competitive market analysis Market trends Karen has extensive experience in the design and execution of primary research for strategic planning, product development, and marketing, having held management positions within a variety of market research and consulting firms including State Street Consultants as well as in Fortune 500 companies. Karen holds a B.A. in Politics with emphasis in Economics from Mount Holyoke College.

Michael Misasi Analyst mmisasi@mercatoradvisorygroup.com 781-419-1727 Michael Misasi is a research analyst with Mercator Advisory Group’s Credit Advisory Service. His experience includes extensive academic research work including research at Boston College’s Finance department, where he analyzed trends in corporate litigation. Michael holds a B.S. in Finance and a B.A. in Philosophy from Boston College.

Dave Kaminsky Analyst dkaminsky@mercatoradvisorygroup.com 781-419-1725 Dave Kaminsky is an analyst with Mercator Advisory Group’s Emerging Technologies Service.  Since joining Mercator, his research agenda has focused on developments in the ways innovative technologies, particularly Social, Local and Mobile platforms, shape the payments ecosystem.  This has included a delineation of the NFC payments value chain, explorations of alternative mobile payment systems, analysis of the relationship consumers have with their financial institutions over social media, and a study of the various methods merchants can employ to provide customers with incentives over SoLoMo platforms.    He has also completed extensive research into the point-of-sale (POS) terminal industry, working with various manufacturers and software developers, as well as studying the evolution of the POS terminal in recent years and forecasting the developments to come.  Dave has multiple years of analytical experience in several industries, including financial analysis for the defense industry with Tecolote Research and economic forecasting studies for the transportation industry with IHS Global Insight.  Dave holds a B.A. in Economics and Chinese from Tufts University.

Tristan Hugo-Webb Analyst thugowebb@mercatoradvisorygroupcom 781-419-1720 Tristan Hugo-Webb is an analyst with the Mercator Advisory Group covering the international market and U.S. debit card market. His responsibilities include covering new U.S. and international legislative regulations and analyzing their impact on the payment industry in the U.S. and around the world. Tristan is also a frequent contributor to Payments Journal, writing on a series of payments industry issues. Tristan is a graduate of Seton Hall University in South Orange, NJ, with a BS in Diplomacy and International Relations and Minors in Economics and French. He has spent several years living abroad including stays in Italy, Germany and Niger.

Catherine McDonald Communications Director cmcdonald@mercatoradvisorygroup.com 781-419-1703 Catherine McDonald is the Communications Director for the Mercator Advisory Group. Catherine brings over 14 years of experience in marketing and corporate communications, public relations, business writing, and strategic planning. Catherine is responsible for overseeing and supporting Mercator Advisory Group's corporate and marketing communications. She also manages daily content on Mercator's PaymentsJournal website and contributes to or leads strategic marketing initiatives including public relations and branding. Prior to joining Mercator, Catherine spent almost four years in the prepaid industry as Corporate Marketing Manager at InteliSpend Prepaid Solutions, a provider of B2B reward cards and program management.  In that role, she was responsible for public relations initiatives including interviews and relationship management, strategic planning, digital PR, event planning, and print/online media management.  Catherine's career has also included market research, technical writing, white paper development, and project management. She has served on the Network Branded Prepaid Card Association's (NBPCA) Media and Consumer Education working group, and has been published or quoted in Incentive Magazine, Premium Incentive Products and Paybefore.com. Catherine holds a B.A. degree in Advertising from the University of Illinois, Urbana -Champaign and is a member of the Public Relations Society of America.

Will Hernandez Content Manager for PaymentsJournal whernandez@mercatoradvisorygroup.com 781-419-1711 Will Hernandez is the Content Manager for PaymentsJournal.com, a leading payments industry news aggregator and information hub published by Mercator Advisory Group. Will has over 11 years of media experience, ranging from newspapers to wire services and trade publications. He spent four years covering the payments industry as an associate editor for multiple publications in SourceMedia’s Payments Group based in Chicago, Illinois including ATM&Debit News, CardLine, PaymentsSource.com, ISO&Agent Weekly and American Banker. At SourceMedia, Will’s coverage included debit, prepaid and mobile and social media payments. He also covered the merchant acquiring space. Will helped launched SourceMedia’s bi-weekly newsletter, Mobile Banker and built and cultivated the Payment Group’s first Twitter presence to close to 1,100 followers. Will started his career as a sportswriter for the Norwich Bulletin in Connecticut where he wrote about high school sports, minor league baseball and major college basketball. Recognizing the potential of social media, he started the publication’s first blog in 2004. While in Connecticut, Will also freelanced for the Associated Press and multiple newspapers in New England. Will holds a B.A. in Journalism from St. John’s University (NY).

Paul Sant Senior Account Manager psant@mercatoradvisorygroup.com 781-419-1708 Paul Sant is the Senior Business Development and Key Client Relationship Manager for the Mercator Advisory Group.  Since 2005, Paul has worked to bring many of the largest institutions, processors, networks, and organizations with a stake in the payments value chain into Mercator’s membership. In addition to working closely with key accounts, Paul is responsible for the development of new business in the central United States, Canada, Germany, Italy and Switzerland.  Paul started his career in the research & advisory industry as a sales manager with Livermore Research, a payments industry primary research firm.  For this start up he established relationships with organizations such as Citigroup, MasterCard, Household Financial, American Express, and JP Morgan Chase/Bank One. He was also a key member in the development of Livermore’s “Credit Cards Online” conferences. Paul earned his Bachelor of Science degree in Management at Ithaca College, where he was a four-year letter winner on the Men’s Soccer Team.

Christine Woltag Senior Account Manager cwoltag@mercatoradvisorygroup.com 781-419-1707 Christine Woltag is responsible for Mercator Advisory Group’s West Coast and Asia Pacific region. Christine’s background includes 18 years in sales and leadership experience.  Her most recent positions have been with Darwin Partners, a leading technology services organization, and Financial Insights (an IDC Company).  Prior to this, Christine spent nine years with Forrester Research, having joined Forrester when it was privately held with only 33 employees. Christine served Forrester as an award-winning account manager with consistently exceptional performance. Christine holds a B.A. in English from Boston College.

Jeff Kaplan Senior Business Development Manager jkaplan@mercatoradvisorygroup.com 781-419-1705 Jeff Kaplan is responsible for Mercator Advisory Group’s relationships with clients and prospects in the Northeast US and in the UK.  Jeff, has over 20 years of sales and marketing experience. His vast experience includes technology, mobile, web recruitment, and advertising. Most recently, he served as the VP of RSVP Boston where he worked with small businesses to help grow their customer base. Jeff's prior expereince included the role of VP of Sales at CampusCareerCenter.com and subsequently launched CampusRN.com. Jeff aslo worked at Genuity as an Account Executive working with web centric companies.

Sheila Pichette Executive Assistant spichette@mercatoradvisorygroup.com 781-419-1700 Sheila Pichette is a seasoned Executive Assistant who manages daily office operations in support of organizational and senior executive goals. She has worked for high profile companies including IBM, Mercury Computers and Wang Laboratories. Prior to joining Mercator, Sheila worked for Virtual Iron Software, playing a significant role in assisting executives in the integration implementation of the company after it had been acquired by Oracle Corporation.

Annie Chekijian Accounting achekijian@mercatoradvisorygroup.com 781-419-1714