


Timothy brings over three decades of experience in the credit card industry, including direct card program management within a commercial bank issuing environment, as well as an independent advisor to hundreds of card portfolio evaluations. Recognized industry wide as leading expert on credit card program design, portfolio optimization techniques, processing system evaluations, marketing plan development, new program start-ups and program profitability & performance management, Tim brings a unique understanding of both self-issuance and agent programs across all dimensions.

Mitch leads new partner development, building strategic alliances with financial institutions to provide credit card issuing services. These partnerships typically involve acquiring an institution’s existing credit card portfolio and launching a long-term marketing agreement. Mitch has worked exclusively in the payments industry for 30 years, with a focus on delivering exceptional enterprise value for his partners.