Management Committee

Michael Miebach is chief executive officer of Mastercard and a member of its board of directors.

He is leading the company into a more digital world where Mastercard powers economies and empowers people by harnessing innovation and the continued application of new technologies. The company is helping to deliver better experiences that are shaping the future of seamless commerce, while bolstering cybersecurity services and data-powered insights.

For much of the past decade, first as chief product officer and then president, Michael was critical to setting the strategy that transformed the company’s offerings from a consumer card-centric business to a platform supporting choice in how businesses, people and governments make payments. This strategy, combined with the company’s customer focus, helped Mastercard evolve and diversify into new areas including real-time payments, open banking, digital identity and other value-added services.

His collaborative approach creates scalable and trusted solutions for the exchange of payments and data and can be seen in his leadership of the acquisitions of Vocalink, Finicity, Ekata, CipherTrace and the corporate services business of Nets – each expanding Mastercard’s range of payment flows.

Michael joined Mastercard in 2010 to lead its Middle East and Africa operations, where he helped shape and advance the company’s financial inclusion efforts - first in Africa and subsequently around the world - with targeted solutions for governments and their citizens that deliver a commercially sustainable social impact. Earlier in his career, Michael held senior roles at Barclays Bank and Citibank.

He serves on the U.S. Treasury Advisory Committee on Racial Equity, focused on advancing racial equity in the economy and addressing acute disparities for communities of color, and is a member of the board of directors for the non-profits Accion and the World Resources Institute.

Michael is a member of The Business Roundtable, The Business Council, the U.S.-India CEO Forum, the International Advisory Panel of the Monetary Authority of Singapore and The International Business Council of the World Economic Forum. He is a trustee of the United States Council for International Business and serves on the board of directors of the US-India Strategic Partnership Forum and the Metropolitan Opera.

Michael holds a Master of Business Administration from the University of Passau in Germany.

Chiro Aikat is executive vice president of U.S. market development for Mastercard and a member of the company’s management committee. In this role, he leads a team focused on advancing commercial and strategic efforts with key acceptance partners across the country, including merchants, acquirers and processors.

He also has oversight of the commercial center of excellence and public sector engagement in the U.S., while helping to cultivate relationships with merchants operating across multiple regions.

Throughout his two decades at Mastercard, Chiro has played an integral role in helping all customers implement a wide range of products and programs across the U.S. market. Prior to this role, he led the development and management of the company’s priority initiatives in North America, such as Mastercard Installments/buy now pay later, open banking, account-to-account payments, and bill pay, ensuring continued value delivered to merchants, financial institutions and consumers.

He has also helped lead a team that co-created and customized solutions for some of the largest issuers across the globe. Earlier in his career, he was part of the leadership effort to migrate the U.S. market to the EMV chip standard, as well as the introduction of contactless payments in North America.

Chiro holds a Bachelor of Science in Business Administration from Saint Louis University.

Ka-Wai Au is the Executive Vice President of Global Customer Delivery for Mastercard and a member of the company’s Management Committee. In this role, he is responsible for the end-to-end technical implementation of the company’s products and solutions for issuers, acquirers, merchants, and other partners.

Throughout his 25+ year career, Ka-Wai has reimagined technology priorities, created trusted partnerships, and ensured joint ownership when executing complex programs.

Prior to joining Mastercard in 2023, Ka-Wai served as Head of Technology at Fiserv for the Europe, Middle East, and Africa Financial Institutions Business operations. He played a pivotal role in leading a series of major client implementations, the acquisition of First Data, while also building the next generation cloud-based issuing processing platform.

During his tenure at the U.K.’s Financial Conduct Authority, he led the implementation of fundamental change to the regulator’s delivery procedures. He previously held leadership positions at Barclays Bank and Accenture.

Ka-Wai graduated from the University of Bristol in the UK with a Bachelor of Engineering degree with a concentration in Aerospace Engineering.

Mark Barnett is president of Europe for Mastercard and a member of the company’s management committee since June 1, 2020. He is responsible for the overall success of the only true multi-rail payments technology company, across a region that encompasses 53 countries and serves over 950 million people through partnerships with retailers, financial institutions and businesses.

In this role, Mark leads a business focused on doing well, doing good and making people’s lives easier by delivering simple and secure ways to pay and by fostering a culture where he drives new technology and innovation to position Mastercard as the partner of choice.

Mark joined Mastercard in 2003 and has held various roles. Prior to his current role, Mark was the President of the Mastercard UK, Ireland, Nordics and Baltics Division.

Mark has over 20 years’ experience in the retail banking and payments industry. Most of his client work has been at board level; developing payments strategy, designing innovative new products, advising card schemes and processors, supporting government payment initiatives and implementing major transformation programs.

Mark has an MBA from Imperial College Business School, University of London, and a Bachelor’s degree in Economics, also from London University.

Rob Beard is the Chief Legal Officer, General Counsel and Head of Global Policy at Mastercard. In this role, he oversees the company’s public policy, regulatory affairs and litigation teams around the world, in addition to serving on the company’s Management Committee.

He brings more than 20 years of international experience to the role from across senior levels of the business and legal worlds. Rob joined Mastercard in 2023 following a nearly decade-long tenure at Micron Technology, where he was the general counsel and corporate secretary.

Rob originally joined Micron in 2014 as the company’s primary M&A lawyer and for several years partnered closely with the company’s corporate development team on a wide range of strategic opportunities, including significant transactions in Japan, Taiwan, Europe, China and Singapore. He played a key role in promoting the U.S. CHIPS & Science Act and in negotiating an incentive package from the state of New York for Micron’s announced $100 billion semiconductor manufacturing facility to be built in the Syracuse area.

Prior to Micron, Rob was an associate at Weil Gotshal & Manges in London, New York and Silicon Valley, focusing on M&A and capital markets transactions, and at Shearman & Sterling in London, where he focused on debt capital markets transactions. He has also taught at the University of Illinois College of Law and the S.J. Quinney College of Law at the University of Utah. Rob graduated from the University of Utah and received his J.D. from the University of Illinois College of Law, summa cum laude.

Ajay Bhalla is the president of Mastercard’s Cyber & Intelligence business and is a member of the company’s global management committee.

He leads the team responsible for developing technologies and solutions to help provide safe, secure and frictionless interactions for our consumers, customers and partners around the world – helping to advance trust and inclusion in the digital ecosystem.

Prior to this role, Ajay was the president of Mastercard’s Digital Payment Services, where he led the development and growth of the business, helping to establish Mastercard as an industry leader and pioneer in this space. Before this, Ajay was president of Mastercard for South Asia and Southeast Asia, where he led the business across 18 markets.

Before joining Mastercard, Ajay held key leadership positions at HSBC and Xerox. He holds a bachelor's degree in commerce from the University of Delhi and a master's degree in management studies from the University of Mumbai.

Ajay sits on the board of directors of PVH Corp. He serves as a Senior Fellow at The Fletcher School at Tufts University, a Science Fellow at Massachusetts Institute of Technology (MIT) and is an Executive in Residence at Oxford University. Ajay is also a strategic advisor to the World Economic Forum, serving on the Executive Steering Committee for Digital Trust and as a Co-Chair of the Global Council on Cybersecurity.

Dimitrios Dosis is president of Mastercard’s Eastern Europe, Middle East and Africa (EEMEA) region and a member of the company’s global management committee. He is responsible for driving the company’s strategy across this newly expanded region, which now encompasses 81 markets, with agile, high-potential growth opportunities.

He was previously president of Mastercard Advisors, the company’s professional services arm. In this role, he led a global team focused on helping retail and banking customers solve pressing business issues with data-driven solutions. Mastercard’s anonymized and aggregated transaction insights, world-class analytic capabilities and embedded platforms with self-service predictive technology supplement the team’s industry-proven problem-solving skills. The team’s results-focused approach combined with leading-edge technologies and strong data assets deliver value to customers and create differentiation for the company.

Dimitrios has more than 20 years of experience in technology, transaction banking and management consulting. He joined Mastercard in 2005 from Roland Berger Strategy Consultants, where he was leading the transaction banking practice. Previously, he worked for A.T. Kearney covering financial institutions business.

He serves as an independent director on the board of directors for the Athens Stock Exchange in Greece. Dimitrios holds an MBA and PhD from the European Business School, as well as a Master of Economics from the University of Hagen.

Carlo Enrico is Executive Vice President of Global Partnerships & Segments and a member of the company’s management committee. In this role, he leads a team focused on a cross-functional effort to deliver on the company’s strategy and deepen its engagement with existing and new global customers.

He originally joined Mastercard in 2012 and has held several senior roles during his tenure. Most recently, Carlo served as President of the company’s Latin America and Caribbean (LAC) region, where he led strategy and operations across 45 countries and territories. Earlier he was Division President for Central Eastern Europe and Division President for Western Europe, where he was responsible for overseeing Mastercard operations in Belgium, Luxembourg, the Netherlands, France, Portugal, Italy and Spain.

Prior to joining Mastercard, Carlo was CEO of BancoPosta, the financial services division of Italian postal services provider, Poste Italiane. He served in a variety of roles at Banco di Sicilia, Capitalia Group and Goldman Sachs, leading large teams, managing a diverse customer base, and developing and integrating strategies that drive revenue.

Carlo graduated from Bocconi University, Milan, Italy.

Jennifer Erickson is the Executive Vice President of Communications at Mastercard and a member of the company’s management committee. She is passionate about using innovative and authentic people-centric storytelling to advance the company’s objectives.

Across the globe, her team activates a multi-platform approach to protect and enhance the company’s reputation, highlight Mastercard’s differentiated products and services, and inspire its 20,000+ employees.

Jennifer joined Mastercard in 2019 from General Electric, where she served as chief communications officer, playing a pivotal role in leading the communications function while also protecting and enhancing the company's reputation through a period of significant transformation.

Prior to GE, she spent more than 15 years at Motorola, serving as vice president of global communications before being elevated to chief communications officer for Motorola Mobility when its consumer and professional businesses were split into two companies.

Throughout her 20+ year career, Jennifer has demonstrated a proven track record in developing and executing large-scale, business-building public relations strategies and critical, crisis management programs.

Jennifer earned a Master of Business Administration from Kellogg School of Management, Northwestern University, and a Bachelor of Arts in Public Relations from Roosevelt University.

Michael Fraccaro is the chief people 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. Michael serves on the boards of HR Policy Association and SHRM’s HR People + Strategy Network.

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.

Michael Fiore is Executive Vice President, Business Integration & Expansion and a member of the company's Management Committee.

In this role, Michael oversees the long-term growth and success of the Data & Services business by identifying opportunities to further embed services into Mastercard's overall strategy, and by extending capabilities into new customer segments and use cases. He oversees various strategic areas for D&S such as pricing, customer segments, new product development, M&A and partnerships, marketing, and commerce innovation.

Michael brings 25 years of payments, product management and technology experience. Michael joined Mastercard in 2005 and has held various leadership positions across the company. Most recently, Michael was Executive Vice President, National Accounts, leading Mastercard's relationships with large US financial institutions including Bank of America, Wells Fargo, Capital One and US Bank.

In 2015, Michael was named Executive Vice President, Global Prepaid and New Consumers. He was responsible for leading the ongoing development and execution of Mastercard's prepaid strategies globally. Prior, Michael was Senior Vice President of Personal Payments where Michael created Mastercard Send and HomeSend platforms. Michael also led the creation of Mastercard inControl, an intelligent transaction decisioning platform built on the Orbiscom technology which Mastercard acquired in 2008.

Before joining Mastercard, Michael held several roles at American Express in commercial payments, strategic partnerships and ATM businesses. Prior to American Express Michael was in information technology as a web developer and video production editor.

Michael holds a bachelor's degree from Manhattanville College in economics with concentrations in mathematics and sociology.

Johan Gerber is executive vice president of Security and Cyber Innovation at Mastercard and a member of the company's management committee. In this role, he oversees Mastercard’s product and solution strategies for cyber security, financial crime, online credential management and dispute resolution. These include overseeing the operations of several acquired businesses by Mastercard, including: CipherTrace, Ethoca and Risk Recon.

Johan serves on Mastercard’s Cyber and Intelligence Leadership Team with responsibility for the strategy and vision of our Cyber Security business. As our customers and stakeholders around the world face increasingly challenging cyber threats, Johan is focused on identifying evolving cyber security risks and supporting our customers with targeted solutions to protect themselves from attack.

Since joining Mastercard in 2000, Johan has held critical roles across multiple business areas, such as franchise, identity, AI, and network management, giving him deep experience of the organisation. In these roles he spearheaded customer focused innovations, like embedding artificial intelligence into Mastercard’s network and enabling real-time decisioning across transactions globally, to enhance Mastercard's security capabilities and expand our services strategy. He also serves on the board of directors for several Mastercard entities including Mastercard Ireland, Brighterion, NuData and Ethoca.

Johan holds qualifications in criminal justice, forensic auditing and police administration. Prior to joining Mastercard, he was a member of the South African Police Services for 10 years where he specialized in organized crime investigations as well as internal investigations of financial crimes.

Ron Green is chief security officer for Mastercard, where he leads a global team that ensures the safety and security of the company's network, as well as internal and external products and services.  He is responsible for corporate security, security architecture and engineering, cryptographic key management, business continuity, disaster recovery and emergency management. Ron is a member of the company’s Management Committee.

Ron joined Mastercard in 2014 after serving as deputy chief information security officer at Fidelity Information Services (FIS). Prior to this position, he was director, Investigation and Protections Operations at Blackberry. Ron also served as a senior vice president across several areas at Bank of America.

He has extensive experience working with international and federal law enforcement agencies both as a special agent in the United States Secret Service and as an officer in the United States Army. With the Secret Service, Ron worked protection and fraud investigations. He was one of the first agents to receive formal training on seizing and analyzing electronic evidence, and worked on a number of international cyber-crime investigations.

Ron is currently chair of the Financial Services Sector Coordinating Council (FSSCC), and a member of the US Secret Service, Cyber Investigation Advisory Board. He holds a bachelor’s degree in mechanical engineering from the United States Military Academy at West Point, is a graduate of the FBI’s Domestic Security Executive Academy and holds a graduate certification in Information Assurance from George Washington University.

Karen Griffin is the Chief Risk Officer for Mastercard and a member of the company’s executive leadership team and management committee.

She is the first executive at the company to hold this role, reflecting the increasing importance of the ability to manage an organization’s risk appetite in order to maximize growth opportunities. Karen leads a team focused on strengthening the company's risk management strategy and activities, building on the robust processes and procedures currently in place.

For the past eight years, she served as Chief Compliance Officer, developing a strategic vision and overseeing the company’s global ethics and compliance system. This effort encompassed a broad set of integrated programs including Business Conduct and Ethics, Anti-Corruption, Anti-Money Laundering and Economic Sanctions.

Prior to joining Mastercard in 2014, Karen served as Senior Vice President and Chief Compliance Officer for Visa Inc. where she developed a company-wide ethics and compliance system following its 2008 IPO. Previously, she served as head of the Office of Business Conduct at Alcatel-Lucent. Karen has also held several business leadership roles at Lucent Technologies and AT&T including product management, customer delivery and engineering.

Karen earned her Master of Business Administration and Master of Science in Manufacturing Engineering from Boston University. She received her Bachelor of Science in Mechanical Engineering from the University of Massachusetts, Amherst.

Karen is Vice Chair of the ICC Global Commission on Anti-Corruption and Corporate Responsibility, a member of the B20 Action Council on ESG in Business, World Economic Forum Future of Good Governance Council, World Economic Forum Partnering Against Corruption Initiative, and Advancing Women Executives. Previously, Karen was a member of the Mastercard Europe Board of Directors, and a Co-Chair of the B20 Integrity and Compliance Task Force.

As Executive Vice President, Global Brand Strategy & Innovation of Mastercard, Cheryl Guerin leads the overall stewardship of one of the world’s most iconic and recognizable brands. She also serves on the company’s management committee.

A passionate and accomplished marketer, Cheryl oversees the strategy and activation of Mastercard’s highly decorated Priceless campaign, advancing the brand to consumers and B2B audiences through cutting edge advertising, media, digital marketing and innovative insights that inform and inspire new opportunities for the business.

Cheryl led the launch of several innovations and platforms, including the True Name® card, which was recognized with a Cannes Lion Grand Prix in 2021. She spearheaded the Strivers Initiative supporting small businesses, Priceless Cities and Priceless Surprises experiences, as well as Priceless Causes’ Stand Up To Cancer program. The initiative has generated seven FDA-approved drugs.

During her tenure at Mastercard, Cheryl has held several senior marketing positions, including leading North America Marketing & Communications, U.S. Marketing and Global Digital Marketing. She also oversaw all products and services for North America and separately led the Global Credit Products business.

Prior to Mastercard, Cheryl worked on the advertising agency side at Bates Worldwide and Bozell.

Cheryl is a Clio, Effie and WARC awards juror and serves on the Board of Directors for The Advertising Club of New York, Ronald McDonald House NYC and Crohn’s & Colitis Foundation. She was named to Brand Innovators 2022 Top 100 Women in Brand Marketing list, Advancing Diversity.org Hall of Honors, Yahoo Finance OUTstanding Ally Role Model list, and the Moves Power Women list. Cheryl also received the Women in Payments “Change Agent” Award.

Cheryl earned a Bachelor of Business Administration from Pace University’s Lubin School of Business.

Ling Hai is co-president of International Markets for Mastercard and sits on the company’s global management committee. In his new role, he is focused on advancing business strategy, sales, business development, product management and engagements with customers and regulators across Europe, the Middle East, Africa, Asia and Latin America.

For the seven years prior to this role, he served as co-president of Mastercard’s Asia Pacific region, leading the local delivery of the company’s strategy and business activities. In this role, he achieved significant growth for Mastercard’s business in China and oversaw the company’s efforts to achieve market leadership position in Australia.

Previously, he served as president of Enterprise Partnerships, based in London. Ling Hai originally joined Mastercard in 2010 to serve as division president of Greater China, a role he held for four-and-a-half years.

Ling Hai is a Chairman of Mastercard-NUCC, a joint venture company in bankcard switching headquartered in Beijing. He is an officer of Mastercard Asia/Pacific (Australia) Pty Ltd, as well as a director of the board of Cuscal Limited.

He also serves as a trustee on The College of Saint Rose Board of Trustees. In addition, he is a senior advisory board member of CDIB Capital International, an investment company, and a member of the Aspen Global Leadership Network and fellow of its China Fellowship Program.

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

Sherri Haymond is executive vice president, Digital Partnerships at Mastercard and a member of the company’s Management Committee. In her role, Sherri leads a unique team working with digital players large and small to create innovative, differentiated products and solutions that shape the future of commerce.

As our world becomes borderless and even more digitally connected, Sherri and her team keep a pulse on the market to ensure Mastercard delivers relevant, impactful and industry-leading capabilities. Through a consultative approach, they enable partners around the globe to build best-in-class solutions tapping Mastercard technology and deliver them at scale. Inspired by Mastercard’s longstanding focus on inclusive growth, Sherri is passionate about working hand in hand with mission-aligned companies to solve real-world problems for people and businesses around the world.

Since joining Mastercard in 2010, first as legal counsel and subsequently focusing on digital products in Mastercard’s Digital Payments & Labs business, Sherri has been at the forefront of several initiatives driving transformation of the payments ecosystem. She has played a significant role in the development and commercialization of solutions such as mobile payments, tokenization, open banking, installments and more.

Earlier in her career, Sherri was with Banc of America Securities in its structured finance group and practiced capital markets law at Skadden, Arps, Slate, Meagher & Flom LLP. Sherri holds a Juris Doctor degree from the University of Pennsylvania and a Bachelor of Arts degree in literature from Duke University. She serves on the board of MoCADA, the Museum of Contemporary African Diasporan Arts, in Brooklyn, NY, and is the proud founder of What’s Your Twenty, Inc., a small business in New York City.

Linda Kirkpatrick is president of North America for Mastercard, overseeing the company's operations and customer-facing activities in the United States and Canada. Linda brings a broad understanding and appreciation of customer needs in the company’s largest market. Prior to this role, she served as president of US financial institutions, managing and expanding the company’s business with banks, processors, and credit unions. Linda also led the team responsible for acceptance, merchant, and acquirer relationships in the market, as well as business development efforts across a variety of segments.

Since joining the company in 1997, Linda has held several leadership roles, including investor relations, US strategy and communications, global rules and standards, in addition to working on Mastercard’s initial public offering in 2006, and merger with Europay in 2002.

Bloomberg Businessweek named Linda to the 2020 Bloomberg 50, its annual list of innovators, entrepreneurs, and leaders who have changed global business. Linda was previously named a Young Global Leader by the World Economic Forum. She is a board member for the Cystic Fibrosis Foundation of New York, a member of the board of trustees at Manhattanville College, and a David Rockefeller Fellow and board member at the Partnership for New York City. Linda graduated magna cum laude from Manhattanville College with a Bachelor of Arts in economics and finance.

Jorn Lambert is Chief Digital Officer at Mastercard, and a member of the company’s management committee; he leads the Digital Consumer Solutions organization, inclusive of Mastercard’s consumer, digital, labs, acceptance and customer experience capabilities.

In this role, Jorn is responsible for the company’s digital strategy, delivering seamless, secure and differentiated solutions for the digital consumer and merchant, managing the platforms powering these solutions, forging partnerships with technology players, fintechs and digital partners, and future-proofing the payments ecosystem. 

In his previous role as Executive Vice President, Digital Solutions, Jorn oversaw the company’s platforms and partnerships in the digital space, including operating systems, device manufacturers, telcos, wallet operators and social networks, as well as the regional teams who deployed Mastercard Emerging Payment products across the world. 

Before taking on these global roles, he served as Group Head for the Emerging Payment Products for European markets, including e-commerce, mobile commerce, person-to-person payments and contactless payments

Prior to joining the company in 2002, Jorn spent many years in the capital markets where he occupied various management positions in the areas of product development, product management and corporate strategy.

Jorn has a degree in Roman Philology at the University of Ghent and La Sapienza in Rome, Italy, and a post-graduate degree in business economics from the University of Leuven in Leuven, Belgium.

George Maddaloni is currently the Chief Technology Officer, Operations at Mastercard and a member of the company’s management committee.

In this role, George leads the Operations, Network, and Employee Digital Experience organizations (ONE) through the delivery of operational performance and the modernization of Infrastructure and Platform Services. These platforms are delivering foundational elements for the current critical, Real-Time Payments Network that Mastercard runs as well, as driving the next generation of Multi-Rail Services being released. He has a passion towards developing high-performing teams with a track record of successfully transforming cultures through people, processes, and tools.

George has over 30 years of experience in the financial services and technology industries. Prior to Mastercard, he previously worked at AIG as the Chief Technology Officer where he was responsible for delivering computing, cloud, network, employee, and identity access services to AIG businesses. He also partnered closely with business CIOs on both the technology modernization strategy and business programs agenda. Earlier in his career, he served as Managing Director, Americas Infrastructure and Global Network Operations at UBS, in addition to spending 20 years in various positions at AT&T.

George earned a BS in Mechanical Engineering from Johns Hopkins University, an MS in Technology Management from Stevens Institute of Technology, and an MBA in Finance from Fordham's Gabelli School of Business.

He is a member of the Gartner Technology Infrastructure Research Board, the TBM Council Board of Directors, the Global Cisco Customer Advisory Board, and the Verizon Financial Services Advisory Board.

Raghu Malhotra is co-president of International Markets at Mastercard, and a member of both Mastercard’s Executive Leadership Team, which sets and oversees the company’s strategy and priorities, and Mastercard’s Management Committee, which ensures the implementation and delivery of the company’s strategic priorities at a global scale.

Malhotra is responsible for advancing Mastercard’s business strategy, sales, business development, product management and engagements with customers and regulators in more than 200 markets across Europe, Middle East, Africa, Asia and Latin America.

Since joining Mastercard in 2000, he has held several leadership roles across geographies and functions. Most recently, as president for the Middle East and Africa, he drove the company’s global strategy across the region.

Under his leadership, Mastercard has expanded its collaboration with central governments and public sector authorities, partnering to enhance the region’s infrastructure and digital ecosystem. This includes developing a number of ‘global-firsts’ that are impacting the lives of millions of people: empowering citizens and businesses by creating interoperable mobile ecosystems; launching lending platforms which digitize and revolutionize supply chain management; bringing new levels of security to online and in-store purchases and introducing new energy and agriculture digital solutions to enable greater access and financial inclusion.

Prior to joining Mastercard, he served in a variety of roles at Citicorp, American Express and ANZ Grindlays Bank.

Malhotra is a member of the U.S. President’s Advisory Council on Doing Business in Africa and the Dubai Chamber of Commerce & Industry International Advisory Council. Amongst other board and advisory positions, he sits on the board of directors of the US-Africa Business Center US Chamber of Commerce, is a board observer at Network International and is a member of the World Economic Forum Africa Business Council.

He has received numerous prestigious accolades, including being named among the region’s top business leaders by Forbes consecutively from 2014 to 2021.

He holds an honors degree in Commerce and an MBA and is an alumnus of the University of Delhi, University of Melbourne and Harvard Business School.

Ed McLaughlin is the president and chief technology officer of Mastercard and a member of the company’s management committee. He oversees the company’s technology functions, including the payments network, enterprise platforms, technology infrastructure and operations, information security and global technology hubs.

Prior to his appointment in 2016, he served as chief information officer, directing the development of Mastercard products and services. In 2010, Ed was named chief emerging payments officer, leading the development and launch of the company’s digital strategy, partnerships and platforms, and served as chief franchise officer between 2008 and 2010, where he was responsible for the Mastercard global rules, licensing, brand standards and compliance programs. Ed joined Mastercard in 2005.

Prior to joining Mastercard, Ed was group vice president, products and strategy at Metavante (now FIS) which he joined in 2002 through acquisition of Paytrust, an online payments company of which he was co-founder and CEO. Prior to co-founding Paytrust, Ed was the executive vice president of product and marketing at LogicWorks, Inc., a start-up data modeling software company that had its IPO on the NASDAQ in 1996

Ed was awarded the Forbes CIO Innovation Award in 2019 and the Forbes CIO Next Award in 2023. He is a Board Member for Vocalink Ltd, UK, and a member of the Harvard Kennedy School’s Council on the Responsible Use of Artificial Intelligence. He is a graduate of the University of Pennsylvania, Wharton School of Business.

Sachin Mehra is the Chief Financial Officer for Mastercard and is a member of the company’s Management Committee. He has over 20 years of financial leadership experience, including several roles within Mastercard since he joined the company in June 2010.

As the Chief Financial Officer of Mastercard since April 2019, Sachin is responsible for all corporate finance functions, including 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.

Over the past decade, Sachin has been instrumental in shaping the company’s growth and transformation efforts. Following his five-year tenure as corporate treasurer and then as Business Finance Officer for the company’s largest geographic region, he moved into a business role where he developed and executed the company’s commercial products (B2B) strategy, managed the product portfolio and deepened customer relationships.

Sachin regularly engages and contributes to the Board and other governance functions including audit and risk. In addition, Sachin is passionate about developing the next generation of talent, which he does as a mentor to high-potential diverse employees at Mastercard.

Prior to Mastercard, Sachin held treasury and finance roles of increasing responsibility at Hess Corporation, General Motors and GMAC in New York, Singapore, Belgium and Shanghai. He started his career at General Motors in the New York Treasurers Office.

Sachin holds a Masters of Business Administration from the Darden Business School at the University of Virginia and received his undergraduate degree in commerce from Sydenham College at the University of Mumbai, India.​ Fluent in two languages, Sachin resides with his wife and two children in Westchester County, New York.

Ken Moore is Chief Innovation Officer at Mastercard and a member of the company's Management Committee. He leads the Mastercard Foundry organization, inclusive of R&D, Digital Futures, Product Lifecycle Management, and Experience Research & Design teams.

In this role, Ken is responsible for the company's innovation agenda, including incubating and bringing new products and services to market, unlocking the potential of emerging technologies, and anticipating changes in customer needs. Ken is an advisory board member to the World Intellectual Property Organization on the production of the Global Innovation Index.

He joined Mastercard in 2016 as Executive Vice President, Mastercard Labs, where he led the teams to create new products and experiences in digital payments, financial inclusion and commercial. He extended Mastercard's partner ecosystem by creating its global startup engagement program, Start Path, which helps innovative later-stage startups scale.

Ken is an Expert-in-Residence at Harvard Innovation Labs at the Harvard John A. Paulson School of Engineering and Applied Sciences.

Prior to joining Mastercard, Ken held roles of increasing seniority at Citi, Accenture and Misys. He has over 25 years of experience in International Financial Services across retail and corporate banking and has worked extensively throughout the U.S., Latin America, Europe, Asia and Africa. He has held executive leadership roles in Product Management, Technology Delivery, Business Development, Strategy and Innovation. Ken holds a BSc in Commercial Computer Applications from the Institute of Technology in Waterford, Ireland, and is a certified Board Director with the Institute of Directors.

Tim Murphy is chief administrative officer for Mastercard, overseeing the company’s Law and Policy, Franchise, Corporate Security, Inclusion and People and Capabilities functions and Mastercard Transaction Services. He is also a member of the company’s Executive Leadership Team and Management Committee.

Prior to assuming this role, Tim served as the company's general counsel for seven years, helping advance Mastercard's legal and regulatory affairs, public policy, corporate governance and compliance, while also bringing a business mindset to further evolve the legal function.

Throughout his 20-plus year tenure at Mastercard, Tim has also served as chief product officer, 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.

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

Tim is chair of the Board of Trustees for the National Urban League and he co-chairs the Cyber Readiness Institute. He sits on the boards of Northwestern Mutual and Community Solutions. He is a member of the Aspen Cybersecurity Group, Legal Services Corporation’s Leaders Council, the Economic Club of New York, and the Council on Foreign Relations.

Tim was named a Legend in Law in 2018 by the Burton Foundation.

He earned a Juris Doctor, magna cum laude, from Harvard Law School and a Bachelor of Arts in political science from Amherst College.

Jennifer Rademaker is Mastercard’s Chief Future of Work Officer and a member of the company’s management committee.

She is the first executive to hold this role at Mastercard, underscoring the company’s unyielding focus on people and culture. Jennifer will lead all aspects of future of work for Mastercard – from programs that support flexibility, to office spaces, to tools and resources that enable employees to deliver their best work.

Prior to assuming this role, Jennifer was executive vice president of global customer delivery, responsible for the end-to-end technical implementation of the company’s products and services worldwide to issuers, acquirers, merchants and other partners.

Earlier in her career, Jennifer led customer delivery, expert sales, and prepaid account management in the United States and Canada, following a successful tenure driving the development and commercialization of the company’s consumer and commercial products in Europe.

She brings more than 30 years of global experience in payments and financial services, with positions at Experian, American Express, First USA/Bank One and African Bank in South Africa. She is also the author of a comic book series published in South Africa that educates children on good financial habits and life skills.

Jennifer is the chair of the board of trustees of Fine Cell Work, and serves on the board of directors at Fair4All Finance, Snapper Services, and ICM Mobility Ltd. She holds a Bachelor of Science in statistics from Lehigh University and a Master of Science in statistics from Iowa State University.

Raja Rajamannar is an accomplished, transformative global executive and Wall Street Journal bestselling author with 30+ years of experience and the last nine as Chief Marketing & Communications Officer of Mastercard and President of the company’s Healthcare Solutions.

At Mastercard, Raja is responsible for successfully leading the company’s marketing evolution, including the development of its Priceless experiential platforms, pioneering Mastercard’s move to become a symbol brand and launching its breakthrough sonic brand platform, recognized as the best in the world. This world class work has been developed into case studies at Harvard Business School and Yale School of Management and being taught in top academic institutions around the world.

Raja’s groundbreaking theories and innovative strategies are documented in his first book, “Quantum Marketing: Mastering the New Marketing Mindset for Tomorrow’s Consumers.” A Wall Street Journal best seller and recipient of the Stevie and International Book Awards, “Quantum Marketing” is hailed as a must-read for any marketer who wants to build brands that stand the test of time in the post digital age.

As president of Healthcare at Mastercard, Raja oversees the creation, development, and successful scaling of the company’s healthcare business. Today, it is one of the fastest growing business lines for the company.

Prior to Mastercard, Raja served as chief transformation officer of the health insurance firm Anthem (formerly WellPoint), chief innovation & marketing officer at Humana and held senior management roles with Asian Paints, Unilever, and Citibank. He developed his entrepreneurial approach at Asian Paints, his marketing grounding at Unilever, and his financial savvy during a 15-year tenure at Citi.

Award-winning throughout his career, Raja’s recent recognition includes Forbes’ Top 5 World’s Most Influential CMOs 2021, WFA Global Marketer of the Year, Adweek’s Grand Brand Genius honoree, Business Insider’s 25 Most Innovative CMOs in the World, Billboard’s Top Branding Power Player, Fashion Group International’s Tech and Brand Innovation award and The CMO Club Hall of Fame.

Raja is the president of the World Federation of Advertisers. He also serves on profit and non-profit boards, including PPL Corp, Bon Secours Mercy Health, New York City Ballet, Cintrifuse, and the Association of National Advertisers.

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

Ari has been with Mastercard since 2011 and until June ’15 was Mastercard’s division president for South Asia and country corporate officer, India, providing overall leadership to Mastercard’s business in South Asia.

In his initial role in Mastercard as head of network processing for AP & MEA, Ari developed significant engagement across the markets of AP & MEA on 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 over 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.

Bunita Sawhney is the executive vice president of Consumer Products and Processing at Mastercard and a member of the company’s management committee. She oversees all consumer and issuer product offerings, including the company’s credit, debit and prepaid products as well as ESG product innovations. In this key leadership role, she is responsible for enabling more secure and innovative ways for consumers to make everyday purchases.

Prior to this role, Bunita was Mastercard’s executive vice president of U.S. Financial Institutions, where she worked alongside customers to deliver products and services that meet people’s everyday needs, with security and peace of mind at the core. She was responsible for deepening and expanding Mastercard’s relationships with the largest financial institutions, including Bank of America, Capital One, Wells Fargo Bank and U.S. Bank as well as the community institutions and credit unions nationwide. She also focused on growing the consumer, small business and commercial business through strong partnerships, innovation and thought leadership.

Bunita previously led the Global Debit & ATM Products business at Mastercard, where she was responsible for global product line strategy, portfolio optimization, product development and the roadmap for the Debit Mastercard, Maestro and ATM offering.

In 2016, Bunita joined Mastercard, bringing an array of experience from her various management positions at HSBC, JPMorgan Chase, Citibank and Wells Fargo Bank. She most recently spent nearly 12 years at HSBC where she was the head of Customer Value Management, a broad function that included the strategy and execution across Consumer Propositions, Products, Marketing, CRM and Analytics.

Bunita is the global executive sponsor of Mastercard’s Women's Leadership network. She is also a member of the Women in Payments Advisory Board as well as a mentor for the 30% Club.

Bunita holds a master’s degree in strategic communications from Columbia University and a bachelor’s degree in business administration from the Walter A. Haas School of Business at the University of California, Berkeley.

Andrea Scerch is president of Mastercard’s Latin America and the Caribbean region. In this role, Andrea is responsible for the strategy, direction, and overall success of all aspects of Mastercard’s operations across the region, which is comprised of 45 countries and territories, through its partnerships with retailers, fintechs, financial institutions, government, and businesses.

Andrea has held diverse roles during his tenure at Mastercard. In his previous position Andrea led Mastercard’s global Consumer Products and Processing team where he was responsible for the company’s “core” consumer product offer (credit, debit and prepaid products). Previously he was responsible for a group of processing assets, including Payment Gateway Services, enabling merchants to accept digital payments across multiple channels and markets; Payment Transaction Services, the technology helping issuers and acquirers process payments; and Prepaid Management Services, an end-to-end prepaid program manager. In this capacity, he also spearheaded the integration of multiple businesses, including Transaction Network Services, which was acquired in 2014.

Andrea first joined Mastercard in 2005 as the head of strategy for Europe before assuming the role of division president for Central Europe markets. 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.

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 leads Mastercard’s global Data & Services team. She is responsible globally for a unique range of data-driven capabilities that help customers make smarter decisions with better outcomes. These include software platforms and services for analytics, insights, consulting, loyalty, marketing, innovation, experimentation and personalization. They enhance the value of payments, improve business performance and elevate consumer engagement for financial institutions, retail and commerce firms, processors, acquirers, fintechs, neo-banks and public-sector institutions.

Raj serves on the company’s executive leadership team and management committee. She joined Mastercard as president of U.S. issuers, where she led the growth of payments and services with banks and credit unions in a very competitive market. Previously, she led the iShares U.S. retail ETF business at BlackRock and was the global chief marketing officer for iShares. Earlier in her career, Raj led Citigroup’s global strategy team and small business banking. She also held leadership roles at U.S. Trust, McKinsey & Company and AT&T Bell Laboratories.

She serves on the board of directors of Raymond James Financial Inc., the board of trustees of Mount Holyoke College and the global board of the American India Foundation. Raj received a bachelor’s degree from Mount Holyoke College in physics and mathematics, an MBA from Stanford University and a Ph.D. in physics from Harvard University.

For more than 20 years, Shamina Singh has been on the frontlines of developing and implementing solutions to make the global economy work for everyone, everywhere. Shamina is the Founder & President of the Center for Inclusive Growth, the philanthropic hub of Mastercard. She also serves as Executive Vice President of Corporate Sustainability and is a member of the company’s Management Committee.

Since 2014, she has led the Center with a remit to leverage Mastercard’s data, technology, capital and expertise for social impact. In her role as EVP for Sustainability, she is responsible for the development and implementation of the environmental, social and governance strategy across the company.

In 2018, Mastercard pledged $500 million to advance inclusive growth around the world. Shamina was named President of the Mastercard Impact Fund and charged with activating those philanthropic dollars to advance inclusive growth and financial inclusion around the world.

Currently, she sits on the Boards of Data & Society and ADL, a leading anti-hate organization. In addition, she serves as a Board Member of the Ann Richards School for Young Women Leaders and the Beeck Center for Social Impact and Innovation at Georgetown University. Shamina co-chairs the Ad Council’s Advisory Committee on Public Issues and serves on the Advisory Boards of social enterprise Women Reignite and The Aspen Institute Civil Society Fellowship. She is also a Henry Crown Fellow with The Aspen Institute.

In 2015, Shamina was appointed by President Obama and confirmed by the U.S. Senate to a six-year term on the Board of the Corporation for National and Community Service. She is a graduate of the Presidential Leadership Fellows program and an alum of the Young Global Leaders program of the World Economic Forum. She has thrice been named to the Financial Times’ Top 100 LGBT+ Executives and was recently ranked #9 on Fast Company’s Queer 50 list.

Prior to joining Mastercard, Shamina led Government and Public Affairs for Nike and spent five years with Citi’s Global Community Development Group. Over a 15-year career in the public sector, Shamina has held senior positions in the White House and the U.S. House of Representatives.

Shamina earned a Bachelor of Science from Old Dominion University and a Master of Public Administration from the Lyndon B Johnson School of Public Affairs at the University of Texas at Austin. She has also completed executive education programs at Harvard University’s John F. Kennedy School of Government, Yale University’s Jackson Institute for Global Affairs and the Indian School of Business.

Jess Turner is Executive Vice President, Global Open Banking and API at Mastercard. She is responsible for leading the development and build-out of new products and technologies to enable the future of open banking, while driving innovation with key partners across the ecosystem including fintech companies and governments globally.

Prior to this leadership role, Jess served as the Executive Vice President of New Digital Infrastructure and Fintech where she led the strategy, design, development and commercialization of Mastercard's blockchain, digital assets, crypto and open banking products. She was also responsible for driving fintech innovation via various programs including Start Path, Mastercard's global startup engagement program.

Since 2006, Jess has held various roles of increasing responsibility at Mastercard including customer engagement and collaboration with telecommunications companies and banks where she was responsible for delivering both card and digital solutions, as well as payment experiences for both emerging and developed markets. She has extensive experience working with key issuers globally and advancing the company's inclusive growth strategy in North America. Prior to joining Mastercard, Jess led product development at Affinion Loyalty Group after beginning her career at Capital One for over 5 years.

Jess is a champion for women in technology both inside the global organization and within the industry at large, and currently sits on the board of the Women's Network in Electronic Transactions. She is also an alumnus of the Vanguard Leadership Program, where she spent a year working with other corporations on social responsibility for equality and sustainably in markets at risk.

Greg Ulrich is the Executive Vice President of Strategy and Corporate Development at Mastercard and a member of the company’s management committee.

Greg oversees a global team that is tasked with developing the company’s strategy and identifying and driving key initiatives to support Mastercard’s growth. In addition, Greg is responsible for corporate development – including M&A, venture, and minority investments – and the integration of the company’s acquisitions. In these efforts, Greg is a key advisor to the CEO, executive team, and Board of Directors, helping to shape the future trajectory of the company.

Prior to assuming this role in May of 2020, Greg was responsible for guiding Mastercard’s Data & Services strategy and innovation team. He had also served as the company’s lead for Data & Services in North America.

Greg has more than 20 years of experience helping organizations use data and insights to develop innovative and practical solutions to challenging problems, maximizing shareholder value.

He originally joined Mastercard in 2015 when it acquired Applied Predictive Technologies (APT), a leading cloud-based analytics company. Greg guided the firm's CPG and Manufacturing vertical, having also served as the primary lead for its work in San Francisco, Australia and New Zealand.

Prior to joining APT, Greg was a management consultant, initially with Marakon Associates before working with myriad organizations in the social and nonprofit sector.

He holds a Master of Business Administration from the University of Pennsylvania’s Wharton School, where he was a Palmer Scholar, and a Bachelor of Science in Economics from Duke University.

Craig Vosburg is Chief Product Officer at Mastercard and a member of the company's Management Committee. In this key leadership role, Craig leads an integrated product management and engineering organization specifically designed to maximize the company's customer-centric focus. Through an end-to-end approach to design and delivery, the team innovates and scales the products and services that solve real-world problems and help shape the fabric of the modern global economy.

The product and engineering organization includes areas integral to growing Mastercard's global business and executing on opportunities across multi-rail, digital and B2B payments. This is inclusive of consumer and commercial products, acceptance solutions, real-time, account-to-account and push payments, processing, open banking, Mastercard’s in-house innovation lab, Foundry, and the expanded range of new payment flows.

Prior to assuming this role in 2021, Craig served as president of North America for Mastercard, overseeing the company's operations and customer-facing activities in the United States and Canada. He also previously led the company's global card-based products offerings.

Craig Joined Mastercard in 2006 as head of Mastercard Advisors in Southeast Asia, Greater China, and South Asia, Middle EastAfrica, Craig has held several leadership roles across the company. 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. He sits on the Board of Directors of Hawaiian Airlines, the Sultana Education Foundation, and the Board of Trustees of CancerCare. Craig holds a Master’s Degree in business administration from The Wharton School at the University of Pennsylvania and a Bachelor of Science degree in Business Administration from Bucknell University.

Chad Wallace is the Global Head of Commercial Solutions at Mastercard and a member of the Management Committee. He leads the company's product, engineering, and business development functions for B2B products. He is responsible for overseeing Mastercard’s Commercial Card offerings, including T&E, Purchasing, Fleet and virtual card solutions, while also driving the digital transformation of corporate payments across accounts payable, procurement and treasury.

Chad joined Mastercard in March 2022 from Goldman Sachs, where he was the Global Head of Digital for Transaction Banking, responsible for building its embedded finance platform, corporate payments and liquidity digital tools. Prior to joining Goldman, Chad was the Head of Digital Experiences for the Commercial Bank at Capital One. Chad also previously held leadership roles at TD Ameritrade, E*Trade Financial and SunTrust.

Chad is a graduate of Sam Houston State University and resides in New York City.