Director, Commercial and Enterprise Payments Advisory Service
+1 (781) 419-1710

Roles and Responsibilities

Steve is Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. He has over 12 years of experience in banking and payments research and is an expert on commercial payments, including cards and integrated payables, advising banks and fintech companies on strategy across product, marketing and IT.

Latest Research

North America Commercial Credit Card Market Review and Forecast, 2020–2026

In-Depth Report / September 2022

Time to Improve Virtual Card Acceptance

In-Depth Report / August 2022

Procure-to-Pay Digital Convergence Moving Forward

In-Depth Report / July 2022


Previous Experience

Before joining Mercator, Steve pursued an independent research and consulting practice in the corporate banking space. He also spent 6 years with CEB TowerGroup as a Research Director in the commercial banking practice. Steve’s specialty areas include transaction banking, payments/payables, receivables, trade services and lifecycle management across business segments and channels. Steve has conducted targeted research in areas such as digital banking, electronic invoicing, client servicing, enterprise integration, automated payables and receivables, commercial credit cards, client onboarding and supply chain finance.

Before joining CEB, Steve spent more than 20 years with Citibank in a variety of senior positions covering consumer, internet, and corporate banking. His roles in the consumer cards group spanned credit operations, fraud policy, marketing, and product development. He was a pioneering member of e-Citi, launching the EBPP business, and worked closely with the Citibank consumer electronic bill payment operations. Upon joining the Citi Transaction Services division, he oversaw the commercial cards European business expansion. Later, in Hong Kong, as part of the regional transaction banking team, he built Citibank’s Asia-Pacific commercial cards startup business covering Asia Pacific. Steve then became the North America market manager for Citi commercial cards.


Steve received an M.B.A. from St. John’s University and a B.S. from CUNY’s John Jay College.