Ajay Banga , , , President and Chief Executive Officer

Ajay Banga is president and chief executive officer of Mastercard and a member of its board of directors.

Ajay is a member of the U.S. President’s Advisory Committee for Trade Policy and Negotiations and is a founding Trustee of the U.S.-India Strategic Partnership Forum. Ajay is a member of the U.S.-India CEO Forum and co-chairs the board of directors of the American India Foundation. He also is a Co-Chair of the Partnership for New York City. Ajay served as a member of President Obama’s Commission on Enhancing National Cybersecurity.

He was awarded the Padma Shri Award by the President of India in 2016. He is a fellow of the Foreign Policy Association and was awarded the Foreign Policy Association Medal in 2012.

Ajay serves as a director of the Business Roundtable and the Financial Services Roundtable and is also vice chairman of the Business Council. He is a member of the board of overseers of the Weill Cornell Medical College and the board of governors of the American Red Cross. In addition, Ajay serves on the materials advisory committee of the board of directors of DowDuPont Inc.

Prior to Mastercard, Ajay served as chief executive officer of Citigroup Asia Pacific. During his career at Citigroup, he held a variety of senior management roles in the United States, Asia Pacific, Europe, Middle East and Africa. He also oversaw the company’s efforts in microfinance.

Ajay began his career at Nestlé, India, where for 13 years he worked on assignments spanning sales, marketing and general management. He also spent two years with PepsiCo, where he was instrumental in launching its fast food franchises in India as the economy liberalized.

He is a graduate of Delhi University and the Indian Institute of Management, Ahmedabad.

Ajay Bhalla , , , Chief Enterprise Security Solutions Officer

Ajay Bhalla is chief enterprise security solutions officer for Mastercard. He leads the team that develops solutions to ensure the safety and security of our products and services for consumers, merchants, partners and governments around the world. Ajay serves on the company's management committee.

Prior to this role, Ajay was president of the Digital Payment Services business for Mastercard. He led the development and growth of the business in e-commerce and innovative payments processing establishing Mastercard as a pioneer and leader in many markets in this space. Previously, Ajay was president of Mastercard for South Asia and Southeast Asia, where he led the business in 18 markets. During his tenure, Mastercard became a market leader in many markets/segments and grew our business multifold launching several innovative payments solutions.

Before joining Mastercard, Ajay held key leadership positions at HSBC and Xerox.

Ajay has a bachelor's degree in commerce from the University of Delhi and a master's degree in management studies from the University of Mumbai. He is a CEME Senior Fellow at The Fletcher School, Tufts University. He also is a MIT Connection Science Fellow at Massachusetts Institute of Technology (MIT).

Ann Cairns , , , President, International

Ann Cairns is president, International, for Mastercard, responsible for the management of all markets and customer-related activities outside of North America.

At Mastercard, Ann has built sustainable, strong growth rates for the company across both mature and emerging markets. She has led the company’s expansion outside North America into different geographies and new customer segments; embracing the continued evolution to digital while driving an increased focus on safety, security and convenience. Ann serves on the company’s management committee.

Ann is passionate about the role Mastercard can play in delivering financial inclusion through innovation and has continued to build the business through new global partnerships with governments, telecommunication companies and organizations including the World Food Programme.

Ann brings more than 20 years’ experience working in senior management positions across Europe and the U.S., where she ran global retail, commercial and investment banking operations.

Prior to joining Mastercard in August 2011, Ann was head of the Financial Industry group with Alvarez & Marsal in London, where she led the European team managing Lehman Brothers Holdings International through the Chapter 11 process.

Prior to that Ann was CEO, Transaction Banking at ABN-AMRO, and spent 15 years in senior operational positions at Citigroup. Ann sits on the group board of the Fortune 500 Company Intercontinental Exchange (ICE) and is chair of ICE Clear Europe.

A Pure Mathematics degree at Sheffield University and a M.Sc. with research into medical statistics from Newcastle University resulted in an early career as an award-winning research engineer, culminating as the Head of Offshore Engineer-Planning for British Gas. Managing a team of 50 plus engineers at a very early age, Ann was the first woman qualified to go offshore in Britain.

Gilberto Caldart , , , President, Latin America and Caribbean

Gilberto Caldart is president of Mastercard’s Latin America and Caribbean region.

Since 2013, he has led efforts that place the company at the forefront of the payments industry in the region by using technology to transform the way people, governments and businesses buy and pay for things. Gilberto is a member of the company’s management committee

Prior to his current role, Gilberto was president of Mastercard’s GeoSouth Division, where he managed the company’s operations in Argentina, Chile, Uruguay, Paraguay, Peru, Bolivia and Brazil. He served as a board member of the Brazilian Credit Card Association (ABECS) during this time.

Before joining Mastercard, Gilberto spent 26 years at Citigroup in various leadership positions in Brazil and New York. Most notably, he led Citi Brazil’s Retail Banking division, Consumer Finance and Cards business for over six years. During his time at Citigroup, Gilberto was on the boards of Credicard and Redecard, where he played a critical role in the restructuring of the Credicard Group in Brazil. He also was a member of the Redecard board of directors, where he was involved in the company’s IPO transformation.

Gilberto is a member of the Junior Achievement Americas board of directors. He is a graduate of the Harvard Business School's Advanced Management Program. He also has an MBA from Duke University, Fuqua School of Business and a bachelor’s degree in Business Administration from the University of Rio Grande do Sul, Brazil.

Michael Fraccaro , , , Chief Human Resources Officer

Michael Fraccaro is the chief human resources officer of Mastercard. In this role, he is responsible for all human resources (HR) functions globally, including driving cultural transformation, building leadership capability and creating a company that is “most valued to work for.” He is a member of the company’s management committee.

From 2012 until assuming his current role, Michael served as executive vice president of human resources for the company’s Global Products and Solutions business. In this role, he supported the company’s growth in key businesses and markets and optimized talent programs in a competitive environment. He also was responsible for leading the global HR integration of new acquisitions and joint ventures.

Prior to joining Mastercard, Michael was a core member of the HR leadership team at HSBC Group for nearly 12 years, based in Hong Kong. Earlier, he held senior HR positions in banking and financial services in Australia and the Middle East, working extensively across different cultures.

Michael holds a Masters of Applied Science, Communication Management from the University of Technology, Sydney, and a Bachelor of Education from the Australian Catholic University. He also has accreditation in change management from the Australian Graduate School of Management and attended leadership programs at Duke Fuqua and INSEAD.

Martina Hund-Mejean , , , Chief Financial Officer

Martina Hund-Mejean is the chief financial officer for Mastercard. In this position, she is responsible for corporate controller, tax, internal audit, investor relations, strategy, mergers and acquisitions, financial planning and analysis, treasury, risk management, global supply chain, business unit finance and regional finance activities. Martina also is a member of the company’s management committee.

Prior to joining Mastercard in 2007, Martina served as senior vice president and treasurer of Tyco International Ltd. She joined Tyco in 2002 as part of its “new” management with responsibility for all areas of treasury, mergers, acquisitions and divestitures. During her tenure with Tyco, she executed $6 billion in financings in order to address Tyco’s 2002/2003 liquidity crisis. She also revamped the company’s capital structure, including debt reduction and share repurchase programs; introduced a new banking portfolio, including the 2007 separation of Tyco’s Healthcare and Electronics businesses.

Prior to Tyco, she was senior vice president and treasurer of Lucent Technologies Inc. (now Alcatel-Lucent). In this positon, her responsibilities included capital markets, corporate finance, banking, credit and risk management and investor relations. From 1998 to 2000, Martina held a series of finance positions of increasing responsibility at General Motors Corporation, both in the United States and the United Kingdom, including the assistant treasurer post. She began her corporate career as a credit analyst at Dow Chemical in Frankfurt, Germany.

Martina has been named one of the “100 Most Influential People in Finance” by Treasury & Risk Management magazine three times, one of the “Most Powerful Women in Finance” by American Banker magazine for three consecutive years, and also was named “Woman of the Year – Private Sector” by the Financial Women’s Association. She is a member of the board of directors of Prudential Financial, Inc. She is also a member of the board of trustees of The University of Virginia, Darden School Foundation, a member of the board of directors of the German American Chamber of Commerce in New York and a member of the board of The Arthur F. Burns Fellowship.

Martina received a master’s degree in economics from the University of Freiburg, Germany and a Masters of Business Administration from the Darden Graduate School of Business at The University of Virginia.

Hai Ling , , , Co-President, Asia Pacific

Hai Ling serves as co-president for Asia Pacific at Mastercard, overseeing all of the company’s activities in North East Asia and Australasia, including business strategy, sales, business development, product management, marketing and engagements with business customers and regulators. He also is a member of the company’s management committee.

Prior to his current role, Hai was group executive, head of Enterprise Development for Mastercard. Based in London, he oversaw merchants and acceptance, pricing, mergers and acquisitions, and strategy for all international markets outside of North America. Between 2010 and 2014, he served as division president of Greater China, overseeing all aspects of the company’s operations in mainland China, Hong Kong, Macao and Taiwan.

Prior to joining Mastercard in January 2010, Hai was head of partnership business and co-brand marketing with PCCC, a joint venture between HSBC and Bank of Communications. He was instrumental in developing and managing merchant partnerships in the areas of co-branded credit cards, installment loans and preferred merchants.

Hai has also worked with Bank of America and MBNA in the U.S. in product development and customer insights, where he spearheaded innovation through new products, markets and channels, and leveraged research and development to create insights-driven marketing and product innovation. He also worked in management consulting with Booz Allen & Hamilton and A.T. Kearney in both the U.S. and China.

Hai graduated from the College of Saint Rose in New York, and obtained his Master of Business Administration from the University of Chicago, Booth School of Business.

Garry Lyons , , , Chief Innovation Officer

Garry Lyons is chief innovation officer for Mastercard. In this role, he leads the Digital Payments group and the global R&D division, Mastercard Labs. He also is a member of the company’s management committee.

The Digital Payments group is responsible for the development and commercialization of the company’s solutions to deliver simpler, safer and higher quality device-based, online and in-app experiences for consumers, merchants and financial institutions.

Mastercard Labs, which he created in 2010, is focused on looking at the future from a fresh perspective, determining how advances in technology and consumer trends are going to impact the company’s business. The team helps to create new products and solutions for Mastercard and its customers through prototyping, piloting, market validation and commercialization, while working with the global startup community and driving a more innovative culture inside Mastercard.

Prior to joining Mastercard, Garry was chief executive officer of Orbiscom, a leading provider of innovative payment solutions to the global financial services industry, and the inventor of Virtual Card Numbers. He was with Orbiscom since its incorporation in early 1999, when he was recruited by its founders to take responsibility for all aspects of technology, innovation, delivery and support. Orbiscom was acquired by Mastercard in December 2008.

Garry was recognized as one of Forbes “Next Gen Innovators” in 2014. Prior to joining Orbiscom, Garry held various senior technology positions in Cognotec, Credo and ICL. He is a technologist by training, with a Bachelor of Science in Computer Applications from Dublin City University.

Walt M. Macnee , , , Vice Chairman

Walt M. Macnee is vice chairman, Mastercard. In this capacity, he is responsible for various senior client and government relationships, engaging these important stakeholders on key issues related to the ever-changing payments industry. In addition, he plays a central role in steering the company’s strategy toward the wider merchant community and other key stakeholders.

Previously, Walt was president of International, overseeing all customer-related activities in markets outside of the United States. Prior to this, he was president, Global Markets, with responsibility for building all aspects of Mastercard issuance and acceptance business globally. Earlier in his tenure, Walt served as president of the Americas region and president of Mastercard Canada.

Walt briefly left Mastercard from 2004 to 2006 when he served as executive vice president, Canadian Imperial Bank of Commerce in Toronto. In that position, he was responsible for overall management of the bank’s credit card business and national collections. Previously, he spent 18 years with Toronto Dominion Bank where, in his last position as senior vice president, he had full product management and client service responsibility for payment cards and personal lending.

He has earned several university degrees, including a Master of Business Administration from York University.

Raghu Malhotra , , , President, Middle East and Africa

Raghu Malhotra is president, Middle East and Africa for Mastercard and sits on the company’s management committee. Based in Dubai, Raghu is responsible for driving the evolution of the company’s technologies and delivering increased value to Mastercard stakeholders across 69 markets.

Raghu joined Mastercard in 2000 and has held a variety of leadership roles, spanning general management, marketing, business and product development across multiple geographies in Asia, Middle East and Africa. He was most recently the division president, Middle East & North Africa. Prior to joining Mastercard, Raghu worked for Citicorp Credit, American Express and ANZ Grindlays Bank in a variety of leadership roles across the consumer franchise and financial services businesses.

Raghu holds a variety of board and advisory positions across international markets. He is a member of the board of directors of INJAZ Al-Arab (JA Worldwide) Middle East and North Africa, an organization focused on building youth entrepreneurial skills in the region and also has an advisory role in the Rwandan Ministry of Finance and Economic Planning’s Informal Sector Pensions Project.

He was ranked as one of the top Indian leaders in the region by Forbes from 2014 to 2017.

Raghu graduated with an honors degree in Commerce from the University of Delhi and earned an MBA from the Melbourne Business School, University of Melbourne. He also has management training from IMD, Lausanne.

Ed McLaughlin , , , President, Operations and Technology

Ed McLaughlin is president of Operations and Technology for Mastercard and a member of the company’s management committee. In this role, he oversees all of the company’s technology functions, including the global network, processing platforms, global technology hubs, information security and technology operations.

Prior to this role, he served as chief information officer, directing the development efforts for products and services, implementing the IT digital roadmap, and managing the development of Mastercard’s global tech hubs.

In 2010, Ed was named chief emerging payments officer, leading the development and launch of the company’s digital strategy, partnerships and platforms, including Masterpass, Mastercard Send and Mastercard Digital Enablement System (MDES), the digital token program. Ed joined Mastercard in 2005 as head of bill payment and healthcare, and was named chief franchise development officer in 2008, where he was responsible for the Mastercard global rules, licensing, brand standards and compliance programs.

Prior to joining Mastercard, Ed was group vice president, product and strategy at Metavante, a financial services technology company that included supporting issuing and acquiring processing services, prepaid program management, the NYCE regional debit network, ACH processing, and other services.

Ed joined Metavante in 2002 through their acquisition of Paytrust, an online payments company for which he was cofounder and CEO. Prior to co-founding Paytrust, Ed was the executive vice president of product and marketing at LogicWorks, Inc., a data modeling software company.

Ed is a graduate of the University of Pennsylvania, Wharton School of Business.

Michael Miebach , , , Chief Product Officer

Michael Miebach is the chief product officer of Mastercard, leading the team that develops and manages the company’s consumer credit and debit, commercial, prepaid, acceptance, real-time payment, and processing solutions.

Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. Michael is a member of the company’s management committee.

Michael brings a wealth of insights and global experience from a career in payments and retail banking to drive customer-focused innovation and deliver solutions that provide more than just a transaction. He previously headed Mastercard operations across the Middle East and Africa, and held senior roles at both Barclays Bank and Citibank across Europe, Africa and the Middle East.

Michael is a member of the board of directors for the nonprofit Accion, which provides Michael an opportunity to further pursue his passion of bringing more people greater opportunities in the formal economy. In 2017, Michael joined the advisory board of the Ronald McDonald House New York, a global charity that provides vital resources and compassionate care to children and their families being served by leading hospitals worldwide.

Michael holds a Master of Business Administration from the University of Passau in Germany and lives in New York.

Tim Murphy , , , General Counsel and Chief Franchise Officer

Tim Murphy is general counsel and chief franchise officer for Mastercard. In this capacity, he oversees legal affairs, public policy, corporate secretary and compliance. He also is responsible for franchise development and integrity, corporate security and privacy, global inclusion and the Mastercard Center for Inclusive Growth. Tim is a member of the company’s management committee.

Prior to assuming this role, Tim was chief product officer, where he was responsible for the management, development and commercialization of payments solutions, creating sustainable competitive advantage for Mastercard and its customers.

Throughout his tenure, Tim also has served as president of the company’s U.S. region, executive vice president of customer business planning and analysis, and senior vice president and associate general counsel for Mastercard.

Before joining Mastercard in 2000, he was an associate in the New York and London offices of Cleary, Gottlieb, Steen & Hamilton, an international law firm.

Tim is a member of the board of trustees for the National Urban League, the board of directors for the U.S.-Russia Business Council and the board of directors for the Network for Teaching Entrepreneurship. Tim also serves as chairman of the board of governors for Fairfield College Preparatory School.

He graduated magna cum laude from Harvard Law School and magna cum laude from Amherst College, where he was elected to Phi Beta Kappa.

Javier Perez , , , President, Europe

Javier Perez is president of Mastercard Europe and a member of the company’s management committee. He is responsible for the Europe region and Global Accounts, encompassing 53 countries and working with 9,000 Mastercard financial institutions. He also helped establish the World Food Programme-Mastercard partnership.

Before taking his current role in 2006, Javier was president of the Latin America and Caribbean region, achieving significant growth.

Previously, Javier was the general manager of the customer division for Mastercard Europe. He was responsible for all regional business developments across the continent, including branding, distribution, sponsorship and products, and was a founding member of EMVCo. He joined Mastercard in 1996.

Javier began his banking career with Banco Bilbao Vizcaya Argentaria (BBVA). While at BBVA, he held various top level international positions including country executive for Tokyo and Hong Kong operations; president of the bank’s Miami subsidiary, managing bank operations in Latin America and Southeast U.S.; head of payment systems, commercial banking and new banking products in Spain; and international area head for the Asia, Middle East and Africa regions.

He also has served in executive positions at Banca Catalana, Banco Directo, Lider Direct Marketing, Lider Telemarketing, Lider Advertising and Visa International.

He also has participated as a member of the board of directors for a number of Spanish banking and insurance groups including Europay España, Visa España, Banco de Negócios, Banco de Crédito Local, Caja Postal, Banco Industrial, Banco de Crédito Agrícola, Banco de Alicante, Seguros Plus Ultra and the Spanish Prison Board.

A native of Spain, Javier has master’s degrees from the ESADE University, Spain and Thunderbird School of Global Management USA.

Raja Rajamannar , , , Chief Marketing & Communications Officer and President, Healthcare

Raja Rajamannar is chief marketing & communications officer of Mastercard and president of its Healthcare business. He is responsible for building the Mastercard brand, driving business and advancing a sustainable competitive edge for the company. Raja serves on the company’s management committee.

Raja joined Mastercard in 2013, bringing with him more than 25 years of extensive experience as a global executive managing large P&Ls, as well as business transformation and innovation for companies in multiple industries including consumer products, financial services and healthcare. Since joining the company, he has overseen the successful rebranding of Mastercard in 2016 – the organization’s first major rebrand effort in 20 years. Furthermore, Raja led the integration of both Marketing and Communications to create one global integrated function.

Prior to Mastercard, Raja served as chief transformation officer of the health insurance firm Anthem (formerly WellPoint). He helped craft the company’s new business direction and strategy, managed its $11 billion Medicare Advantage business and led its $5 billion acquisition of Amerigroup. He had also served as chief executive, International and chief innovation & marketing officer at Humana.

Earlier, Raja held a number of leadership roles during 15 years with Citigroup including global chief marketing officer, Cards and Payments and chairman and CEO, Diners Club North America. He has held senior executive leadership positions all over the globe – in North America, Europe, Asia and MEA. Before that, he spent seven years with Unilever in sales and product management roles. He began his career with Asian Paints in India.

Raja has been named one of the “World’s Most Influential CMOs” by Forbes magazine twice, ranking #9 on the publication’s list in 2017. He has also been included in the Top 25 of iMedia’s Top Digital Innovators in the world and has been featured numerous times in the Billboard Power 100, an annual ranking of executive excellence and influence in the music industry. Adweek has named him as one of the “Top 50 Most Tech Savvy CMOs in the World” and one of the “Top 50 CMOs Leading Charge to Transformation.” Recently he also was named one of the “World’s Most Innovation CMOs” by Business Insider.

He is a member of the board of directors of PPL Corporation, a Fortune 500 power generation and utilities company and Centrifuse, a Cincinnati-based public/private startup catalyst organization. He serves on the boards of the Ad Council, the Association of National Advertisers and the New York City Ballet.

Raja received a Master of Business Administration degree from the Indian Institute of Management in Bangalore, India, and a Bachelor of Technology degree in Chemical Engineering from Osmania University in Hyderabad, India.

Ari Sarker , , , Co-President, Asia Pacific

In his capacity as co-president for Asia Pacific at Mastercard, Ari Sarker leads the Southeast Asia and South Asia region, overseeing all of the company’s activities in these regions including sales, business development, business strategy and relationships with card issuers, public policy, governments, merchants and merchant acquirers. He is also a member of the company’s management committee.

Ari has been with Mastercard for seven years and until June 2015 was Mastercard’s division president for South Asia and country corporate officer, India. Ari provided leadership to the South Asia team to drive core business growth and executing on the nascent but fast rising emerging payments opportunities.

In his initial role in Mastercard as head of Network Processing for AP & MEA, Ari developed significant engagement across the markets through various partnership discussions with domestic switches and regulators on building an open vibrant payment market environment. In addition, he has played an active role in leading, managing and identifying new equity investment opportunities covering switch acquisitions to acquisition/partnership in other areas of the business including bill payment, prepaid and transit across the region.

Prior to joining Mastercard, Ari spent more than 12 years with GE in a variety of senior roles in accounting, audit, corporate finance and private equity across several key markets in the Americas, Europe, & Asia Pacific. In his last role prior to Mastercard, Ari led the GE Private Equity business in India. His first role after university was working in the financial services group of Price Waterhouse in their London office.

Ari is an independent board director with the following companies: Airtel Payments Bank Limited (India); Cuscal Limited (Australia); and Analec Singapore Pte Limited, a fintech company.

He is on the advisory board of the Singapore Management University Lee Kong Chian School of Business (SMU-LKCSB). He is also on the board of the US-ASEAN Business Council (USABC).

Ari is a B. Com (Hons) graduate from Delhi University, an MBA from Cardiff University, and is a qualified chartered accountant from the Institute of Chartered Accountants in England and Wales.

Andrea Scerch , , , President, Processing

Andrea Scerch is the president of Processing Services, which includes three business lines: Payment Gateway Services through which Mastercard enables merchants to accept digital payments across multiple channels, brands, and markets; Payment Transaction Services, the company’s technology provider that helps issuers and acquirers process payments; and Prepaid Management Services which acts as an end-to-end program manager that delivers prepaid programs backed by the company’s safety, security and acceptance. He also sits on the company’s management committee.

Prior to this role, Andrea led Mastercard Payment Gateway Services, where he was instrumental in transforming the business into a successful global business with a strong growth trajectory. In this capacity, he also spearheaded the integration of multiple businesses, including Transaction Network Services, which was acquired in 2014.

Andrea joined Mastercard in 2005 as the head of strategy for Europe before assuming the role of division president for Central Europe markets (Italy, Alpine, Greece and Germany). Under his leadership, the company strengthened its position across the region, achieved strong growth, and successfully deployed new payment technology in the markets.

Before joining Mastercard, Andrea was an associate principal at McKinsey & Company in Italy, where he worked with large, pan-European retail banks leading strategic projects on key business topics. Prior to that, Andrea was a financial analyst with Consob, Capital Markets Divisions in Milan, and a senior auditor with Price Waterhouse Coopers in Rome, Italy.

Andrea holds an MBA from INSEAD in Fontainebleau, France and has a degree in Economics and Business Administration, from La Sapienza University of Rome, Italy.

Raj Seshadri , , , President, U.S. Issuers

Raj Seshadri is president of U.S. Issuers, North America for Mastercard. In this role, she is responsible for managing and expanding the company’s partnerships and business with banks and credit unions across the U.S. She also is a member of the company’s management committee.

Raj joined Mastercard in April 2016. Most recently, she was a managing director at BlackRock as leader of the iShares U.S. retail ETF business and prior to that, as the global chief marketing officer for iShares. Earlier in her career, she held roles at Citigroup in global strategy and small business banking; U.S. Trust in marketing, strategy and M&A; McKinsey & Company; and AT&T Bell Laboratories.

In addition to her professional responsibilities, Raj is a member of the management board for the Stanford Graduate School of Business, a member of the board of trustees of Mount Holyoke College and sits on the advisory board of SAYA!. As an adjunct professor, she teaches in the Graduate School of Business at Columbia University.

Raj received a bachelor’s degree from Mount Holyoke College in physics and mathematics, a Master of Business Administration from Stanford University and a Ph.D. in physics from Harvard University.

Kevin Stanton , , , Chief Services Officer

Kevin Stanton is chief services officer at Mastercard, responsible for the company’s overall global strategy for services which includes loyalty and managed services, data and analytics, APT, Advisors consulting services, and the services vertical organizations (Financial Institutions, Retail & Commerce, and Government & Development). Kevin serves on the company’s management committee.

In his previous role, Kevin was the president of Mastercard Advisors and prior to joining Mastercard Advisors in 2010, Kevin served as president of the company's Canada region for six years. During this time, he initiated its evolution from a credit company to a payments company, establishing Mastercard as the fastest growing payments brand in Canada. In previous Mastercard roles, he served as senior vice president, strategy and market development for the Canada Region, and vice president, senior counsel and North America region counsel.

Before joining Mastercard, Kevin practiced law as an associate in the banking divisions of a number of leading Boston law firms.

Kevin holds a J.D. from Tulane University School of Law, and a Bachelor of Science in Anthropology from the University of Massachusetts at Amherst. He is a supporter of Toronto's Hospital for Sick Children and sits on the boards of The Royal Conservatory of Music and Royal St. George's College. Kevin also is a member of program advisory board, Master of Management Analytics, Queens School of Business.

Craig Vosburg , , , President, North America

Craig Vosburg is president of North America for Mastercard, overseeing the company's customer-facing activities in the United States and Canada, including sales, business development, strategy and relationship management with issuers, merchants, digital partners, governments and acquirers. He sits on the company’s management committee.

Prior to assuming this role, he served as the company’s chief product officer leading the development, commercialization and management of the company’s global core products offerings, which include consumer credit and debit, commercial, prepaid and loyalty solutions.

Craig brings global experience to the role gained through a decade of working in the Asia Pacific region with Mastercard, and earlier in his career with Bain & Company and A.T. Kearney.

He originally joined Mastercard in 2006 as head of Mastercard Advisors in Southeast Asia, Greater China, and South Asia/Middle East/Africa. In 2008, he was named managing director of the Mastercard Advisors business in the U.S. and Canada. In 2010, Craig was named group executive, U.S. Market Development, responsible for managing and building relationships within the merchant and acquiring community.

Earlier in his career, Craig was a senior member of the Financial Services practices with Bain & Company and A.T. Kearney, and was a vice president at CoreStates Financial Corporation.

Craig is a past David Rockefeller Fellow at the Partnership for New York City and currently sits on the board of directors of the New York Botanical Garden and Sultana Education Foundation. He holds a Master of Business Administration from The Wharton School at the University of Pennsylvania and a Bachelor of Science in Business Administration from Bucknell University.

David Yates , , , President, Global Real-Time Payments

David Yates is president of global real-time payments for Mastercard. He also serves as executive chairman of Vocalink, a Mastercard company, and is a member of the company’s management committee.

David is passionate about payments, with 30 years of experience in building payments businesses around the world. Prior to his current role, he served as CEO of Vocalink for six years.

While at Vocalink, David also served as operating partner with Advent International, advising on the acquisition of WorldPay from RBS, and served on the WorldPay Board from the initial investment through to successful IPO.

Immediately prior to Vocalink, David was president of Western Union.

Previously, David spent six years at First Data Corporation (FDC), as president, First Data International, managing all of FDC's activities outside of the U.S., including merchant acquiring, merchant transaction processing, issuer processing and ATM network solutions business units.

David has a master's degree in law from Oxford University and is fluent in German and French.

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