Speaker Information
Bios are added as they are received

Dick Angerosa, Vice President, Business Development, JPMorgan Chase Treasury Services
Channel Security: EBT
  Dick Angerosa has over 35 years of Information Technology, Product Development, and Business Development experience, in both the government and private sectors.
Dick previously served as Director of the Customer Applications Center in the New York State Department of Social Services when their Welfare Management System and other public assistance systems including its Electronic Benefits Transfer system were developed. 
  In 1996, Dick joined JPMorgan, where he has managed the development and implementation of 30 state EBT systems. He has also been instrumental in developing many of the features of the JPMorgan EBT platform, along with other products such as Info Manager, WIC, EBT Account, and Child Care.

Philippe Benitez, VP Business Development, Gemalto Financial Services
What is Mobile Phone Security
Since 1993, Philippe has been advising government, telecom and banking clients as they prepare to launch secure services. For instance, Philippe helped mobile telecom operators—serving more than 10 million subscribers—launch secure GSM/3G services to increase revenue and improve customer retention; he managed the University of Texas Medical Branch smart card pilot in 1999, aimed at meeting new HIPAA privacy requirements; Philippe worked with Mexican banks to launch EMV credit cards to reduce fraud in 2004; and he guided government officials in Colombia and Mexico in their evaluation of secure identity documents.
Philippe is currently Vice President, Business Development at Gemalto Inc., where he will be working with financial institutions migrating from magnetic stripe to EMV smart cards, and helping banks launch differentiated services, such as those accessible from their customers’ mobile phones.
Prior to joining Gemalto, Philippe was a consultant with Accenture. He holds a MSc in Systems & Industrial Engineering from Ecole Centrale in Paris, France


Lori Breitzke, President, E&S Consulting, LLC
Prepaid Card Security
  Lori Breitzke is an expert in merchant acquiring, point-of-sale and prepaid card issuing of gift, payroll and general purpose reloadable cards. Her diverse background includes several leading transaction processing companies such as VeriFone, Ingenico, RBS Lynk and First Data. Lori is a frequent trade show and conference speaker and contributes to a number of industry publications. Lori is the co-chair of the ETA Education Committee and a member of the ATMIA. Lori serves as an associate of The Strawhecker Group and owns her own consulting firm, E&S Consulting, LLC.

Gaston Brunet, MBA, Sr. Financial Analyst, Royal Canadian Mounted Police (RCMP)
Houston: We Have a Problem
  His career as a Senior Financial Analyst at the Canadian Financial Intelligence Unit (FINTRAC) has mainly been devoted to the technical analysis of financial crime data. Two years ago, he was seconded still as a FINTRAC employee, to the Royal Canadian Mounted Police (RCMP), Integrated Proceeds of Crime Branch, Anti-Money Laundering Division where he has worked since on Tactical Projects and Strategic National Studies. Before that, for a total of 10 years, he was a director at two major Canadian banks. He is an experienced specialist in Anti-Money Laundering and does some consulting for the ATMIA Canada where he helps the Canadian Industry to improve their Anti-Money Laundering policies and procedures.

Jorge Fernandez, ATM Industry Consultant
Security in LACR
  Mr. Fernandez has over 20 years of experience in the Electronic Funds Transfer industry. He is currently an independent consultant in the ATM business, specializing in helping companies expand their business internationally. He previously served as founder, president and CEO of LevelFour Americas, LLC. Prior to that, he was founder and President of Capture Systems International, the pioneer in introducing and growing the off-premise ATM market throughout Latin America and the Caribbean, with over 1,500 installations throughout the region. In addition, Mr. Fernandez is a co-founder of Procesa S.A de C.V, Mexico’s only independent third party processor. Before that, he was Director of Business Development for Latin America for Triton Systems Inc.. Prior to joining Triton, he was Executive Vice President and General Manager for IVI-INGENICO a leading provider of POS solutions worldwide, as well as having served as Vice-President International for IVI, a major POS manufacturer in North America. He previously served as Director of Sales and Marketing for Deluxe Data Systems (now eFunds) where he was responsible for marketing software and processing services in Latin America as well as having served as Managing Director of VeriFone’s Latin America operations from 1989 to 1994. Mr. Fernandez founded ATMIA Latin America in 2002 and served as its first president as well as serving on the North American Board of ATMIA. Jorge holds a Masters Degree in International Business from the University of Miami.

James A. Hanisch, EVP Network Operations & Corporate Development, CO-OP Financial Services
Major Financial Services Fraud Threats Today: The Industry Perspective
  With more than 25 years of experience in financial services, technology, operations, product management, business and strategic planning, sales and customer services, Jim Hanisch leads the Network’s technology, development and strategic planning division
Hanisch, an Iowa native, arrived at CO-OP Network in 2000 after serving as Vice President, Application Service Provider Services, for Omaha, Nebraska-based ACI Worldwide. His focus ranged from traditional ATM/POS e-commerce, wireless commerce, smart card and Internet-based services. He additionally served as Vice President, Product Management and Strategic Planning for USPI, a start-up processing venture funded in-part by ACI.
  Before USPI, Hanisch spent 11½ years at A.O. Smith/Deluxe Data Systems (now eFunds), holding positions in technology development, product management and general management. During his tenure at Deluxe, he worked closely with CO-OP Network, ultimately leading the business unit responsible for the CO-OP Network relationship.
  Hanisch began is career as a management trainee at Norwest Bank (now Wells Fargo) in Des Moines. He held various positions in operations and EFT systems, with expertise in cash management products, on-line teller systems, and EFT. He was involved in the formation of several of the early mid-western EFT networks in the 1970s and was the first president of Diebold TABS Advisory Group.
  Hanisch currently lives in Rancho Cucamonga, California, with his wife, Barb and their two teen age children.

Susan Kohl, Partner, ThoughtKey, Inc.
What is Mobile Phone Security?
  Susan Kohl has over 17 years of international audit, litigation review, regulatory risk management, compliance, and 4 years concentration on payment data security. Susan manages PCI program compliance with all parties along the payment food chain including direct interaction with vendors and providers (PABP). Additionally, she has managed key management compliance and is Key Encryption Certified. Other credentials include Bachelors of Science in Finance, Certified Public Accountant, and Business Process Reengineering Certified.

Denis Fortin, National Initiatives Against Money Laundering Coordinator, Royal Canadian Mounted Police (RCMP)
Houston: We Have a Problem
  Royal Canadian Mounted Police (RCMP) Coordinator of National Initiative to Combat Money Laundering, he is a subject matter expert in money laundering trends and typologies both at the national and the international level. He attends and presents strategic money laundering intelligence projects and key findings at the Financial Action Task Force/Asia Pacific Group annual trends and typologies meetings. He also attended the G8 Lyon-Roma in Tokyo, Japan and presented Canada's overview of the Cash smuggling situation at the Ad-Hoc Experts Group. He also worked closely with the Department of Finance, FINTRAC, Canada Revenue Agency and Canada Border Services Agency and other Canadian Government Agencies during the review of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and the enactment of the new legislation Bill C-25 in December 2006. He has an extensive law enforcement background in national and international organized crime investigations.

Giff Gfroerer, President, North America, I2SMS
What is Mobile Phone Security? 
    Giff Gfroerer is currently President, North America of i2SMS, leading this international company's expansion into the North American territory.  i2SMS is a global leader in SMS (text messaging) marketing platforms and custom applications that has pioneered 2-way SMS as a mobile communications tool allowing live 2-Way B2C connections that are available anywhere, anytime.  His primary clients include commercial banks, credit agencies, stock exchanges, international airports, cell phone manufacturers, carrier networks, utility software vendors, interactive, advertising and marketing agencies, messaging companies, real estate agencies, and car manufacturers,.  Giff is active in the Technology Association of Georgia and Wireless Technology Forum, contributor for the University of Oxford Next Generation Mobile Applications Panel, consultant, speaker and author for the ATMIA Mobile Phone Security Committee, presenter for Chartwell in the growing mobile utility space, consultant to the CDC and the World Health Organization, and has taught both graduate and undergraduate marketing and business classes at AIU in Atlanta, Georgia.  His expertise lies in creating and building new processes to leverage client business rules and their dynamic data, thus increasing customer service efficiency.

JB Rambaud, EVP, Chief Risk & Security Officer,Fiserv EFT
Debit Card Fraud: Protecting Yourself with Effective Risk Management Solutions
  As Executive Vice President, Chief Risk & Security Officer for Fiserv EFT, JB Rambaud is responsible for the Risk Management, Security, Audit and Compliance departments.
JB’s experience covers a wide range of industry from healthcare to telecommunications. Most recently he was Director of Corporate Technology and Security for Cerner Corporation in Kansas City. Cerner designs healthcare software to improve all aspects of health care delivery. JB’s responsibilities there included leadership of 65 professionals in IT and Security areas. Prior to his role at Cerner, JB led the Technology Risk and Consulting group for the Kansas City office of Andersen, LLP, where he managed consulting security practices and delivered security engagements tom a wide range of clients. JB also worked as Senior Information System Auditor for Sprint, where he started his security career.

Vahid Sedghi, Vice President Technical Services, CellTrust Corporation
What is Mobile Phone Security?
  “There is a real need today within the mobile industry for a secure global gateway to provide real-time and secure messaging solutions to consumers and enterprises world-wide. We are only at the beginning of utilizing SMS and the global potential is phenomenal.”
Mr. Sedghi is an experience leader and information technology professional with more than 18 years of enterprise security consulting, technical management, and advanced network and mobile security expertise. In his role as Vice President of Technical Services, he is currently responsible for managing the Pre-Sales, Professional and Educational Services areas at CellTrust to deliver world-class mobile security service and solution offerings to customers and partners around the globe.
  Most recent, as Director of Sales Engineering and then Professional Services, Sedghi managed the global Sales Engineering and Professional Service teams at Lumension Security formerly PatchLink. During his tenure the team successfully managed and delivered vulnerability management solutions to both fortune 500 and top government agencies including EPA, VA, FEMA, U.S. Supreme Court, Booze Allen Hamilton, Locked Martin, and Shell Global. In this leadership role, he also provided extensive technical advisory which led to acquiring the STAT Guardian technology from Harris Corporation.
  Prior to joining Lumension Security, Mr. Sedghi served as ICSI’s Senior Director of Client Services and the led the SAP and enterprise security practice where he was instrumental in providing enterprise security expertise to clients in government, financial services, manufacturing, and the high-tech sector in the Washington D.C area. While at ICSI, Sedghi also pioneered and architected an enterprise SAP proactive monitoring solution called ESPatorl which became an SAP certified product sold to both commercial and government sectors. Mr. Sedghi has also worked as a senior consultant and technologist for the State of Maryland, MCI, Compuware, and the National Science Foundation.
  Mr. Sedghi holds a Bachelor’s degree in Business Administration with concentration in Quantitative and Information Systems from the University of Baltimore.

Mike Urban, Sr. Director, Fraud Solutions, Fair Isaac
Managing ATM Skimming & Compromised Cards
  As one of the ATM & debit card industry’s most sought-after experts, Mike Urban has 15 years experience in banking and electronic payment systems. Mr. Urban currently serves as Senior Director, Fraud Operations, for Fair Isaac Corporation, where his responsibilities include managing the operations for the ATM network fraud solution as well as leading numerous counterfeit and compromise card fraud initiatives. He analyzes fraud issues and trends to provide continuous improvements in fraud detection technology. He also regularly works with law enforcement to help prosecute criminals and has been responsible for uncovering some of the largest counterfeit crime rings in the US.
  Mr. Urban co-invented Card Alert Services, an ATM network solution that serves thousands of banks to help identify debit and ATM compromise fraud, which was acquired by Fair Isaac. As a member of the start-up management team, Mr. Urban served as Research & Development Director, Technology Director and General Manager. Prior to joining Card Alert Services, Mr. Urban worked for Electronic Payment Services, Inc., now owned by First Data Corporation, where he developed and managed projects for data analysis using data warehousing and OLAP analytical techniques.
  As a renowned industry expert, Mr. Urban regularly speaks about fraud trends, best practices and solutions for payment card fraud to financial services industry groups. He has been quoted in numerous publications including the New York Times, MSNBC, Computer World, American Banker and ATM & Debit News. He has also written articles that have appeared in such publications as DM Direct, Bank Technology News and the ISSA Journal.
  Mr. Urban’s industry recognition includes GASA ATM Crime Fighter of the Year 2005 and ATMIA Most Influential Member of the Year 2004. He is also a board member of the Global ATM Security Alliance (GASA), and is an active member of both the American Society of Industrial Security (ASIS) and the ATM Industry Association (ATMIA).
  Mr. Urban earned his B.A. is Sociology from Pennsylvania State University and is currently an MBA candidate in Fraud Management at Utica College.