Mansour Aaron Karimzadeh

Career Summary An experienced Technical Consultant with over 25 years experience in the financial and telecommunications industries. Major roles in strategy, design, development, project management/implementation and marketing of solutions in financial and payment markets. Worked with all major brands and many major banks and financial institutions internationally.

Education MBA Management and Marketing City University, London MSc Computer Science University of Manchester BSc(Honours) Electronics University of Sussex

Professional Skills

Technical Strategies and Business Marketing for financial institutions. An excellent approach to the most difficult situations, with clear understanding of technical and business issues for creative solutions. - Leading expert on smart cards including EMV and Mondex – co-author of white papers with the Smart Card Alliance and EMV Migration Forum. - Well known speaker at major smart card conferences. - Business development leading to agreements for various projects with all major card brands (Visa, MasterCard, Amex) for e-Commerce, EMV, contactless, loyalty schemes and fraud prevention. - Author and presenter of EMV Fundamental and Technical workshops - Detailed understanding of smart cards and specifically EMV technology with EMVCo. set of EMV standards.

Technical Project Management - implementation and support of integrated financial solutions for: - EMV Solutions implementation and consulting/training at US Bank, Comerica Bank, Chevron, Co-op Financial Services, Leumi Cards Israel, CIBC Toronto, Toronto, CUETS Regina, The Exchange Canada, , Infineon Technologies, ATMIA, Ditronics etc. - Mondex smart card payment systems with dual site disaster recovery systems for projects at National Westminster Bank London, Citi/AT&T Universal Card Services Jacksonville, JPMorgan Chase New York, CIBC Toronto, Royal Bank of Canada Toronto, Venezuela Banking consortium of 5 banks Caracas.

Resume Mansour Aaron Karimzadeh Development Director - system software for smart card payments, electronic payments, smart card management systems, test tools, data analysis tools, accounting, and communications systems. Patent 1– Lead Author of a patent filed and granted with the US Patent Office for a secure mobile database (on a chip card) for carrying patient medical records. Patent 2 - Lead Author for a patent filed provisionally with US Patent Office on cardholder verification at a medical institution.

Networking expertise – Has worked on telecommunication messaging systems, packet switching networks, LANs, WANs, wireless networks, network security, router management. More recently on mobile payment systems and TSM workshops.

Professional Activities

SCIL Consultants 2008 - EMV specialist consulting and solutions provider Present - EMV Training workshops and technical consulting throughout US, via SCIL EMV Academy - Member of EMV Migration Forum (with major card brands, issuers, major merchants, acquirers and debit networks) - Co-Chair of the EMV Migration Forum working group Communications Education - Elected to the Steering Committee of the EMV Migration Forum - Co-Chair of EMV Technical committee, ATM Industry 2005 – Association March 2008 Aconite Technology Ltd SVP Americas - EMV solutions, EMV software, EMV services - cards and services - VisionPlus interface with external systems 2002- 2005 Smart Commerce Inc President - Consulting and implementations for EMV card based financial solutions - Providers of smart card management systems 1998- ACI Worldwide Inc 2002 VP Smart Cards Division, VP Business Development & Strategy - Base24 upgrade, interface with external systems - EMV specialist - Board Member of Global Platform, a card technology association - Responsible for smart card (Mondex and EMV) implementation,

Resume Mansour Aaron Karimzadeh new technology, help with marketing programs for software solutions

Smart Card Integrations Ltd 1995 - Managing Director 1998 - Mondex smart card and payment systems solutions, specialist payment system services. Worldwide customer support.

Technical Consultant 1981 - - National Westminster Bank – Networks, payment and settlement 1995 applications - Midland Bank – Networks and settlement applications - International Stock Exchange – international equities trading systems - British Telecom – Networks strategy - Digital Equipment - ISDN - GEC Telecommunications – Digital Telephone Exchange

Volunteer Activities Board of trustees NSHA School, NY 2003 - 2004 President UMJCA, NY – Community Center 2004 – 2007

Resume Mansour Aaron Karimzadeh