Marian Raab

ARLINGTON, Va. — NAFCU reported Tuesday that technology is near the forefront of credit unions' minds as they consider their members' technological savvy and create plans to comply with EMV tech requirements by 2015, according to the association's Economic and CU Monitor November report.

PHOENIX — For its "Celebration of Veterans," Arizona State Credit Union is displaying the American flag in all 27 congressionally-approved versions along with a banner recognizing vets for their service.

WASHINGTON — The House Financial Services Committee plans to mark up a bill Thursday that would amend the Federal Credit Union Act to extend share insurance coverage to trust accounts held in the name of nonmembers.

Watson has worked in the payments industry for more than 20 years as a management consultant and service provider. For the past decade, she's been at Wells Fargo & Co. where in January she was named head of wholesale Internet banking.

Schulz is responsible for the strategic direction and management of Visa's global electronic commerce business as well as driving the card giant's product innovation strategy.

Schmeltzer, who joined Fiserv in August 2012, leads the development and execution of enterprise-wide initiatives in the delivery of new payment services for the Brookfield, Wis., technology provider.

Reyes runs HSBC's global cash management business. She joined HSBC two years ago after 11 years at New York's Citigroup Inc. where she was most recently head of payments for global transaction services.

The 30-year payments industry veteran left Visa Inc. in 2009 after 17 years with the card network where she was senior vice president and head of acquirer and processor sales for the United States. Now an independent consultant, Perry runs an eponymous consulting firm where she advises merchants, processors, ISOs, and acquiring companies.

Barbara Pacheco has spent more than 30 years working for one employer – the Federal Reserve Bank of Kansas City – but her very stable career path has managed to keep her on the cutting edge of new payments technology.

Offereins says her primary focus at Discover is developing initiatives for growth while navigating the rigorous financial, legislative, and regulatory landscape of the banking and payments industries.

Murray drives the strategy for Bank of America's e-commerce product suite. She is responsible for the bank's global payment, deposit and reporting platforms.

As the chief operating officer of Citi Enterprise Payments, McWhinney is responsible for developing and implementing new mobile and online services around the globe for some of the world’s biggest corporations and governments.

In her role at American Express, Kelly's work transformed the company's approach to payments in the Americas.

Joseph, who is responsible for running the Elavon payment services business at the Minneapolis-based bank, points to mobile as the most interesting thing happening in the industry right now.

In a world where most bank debit/credit card hybrids have failed to gain any traction, Fifth Third's Julie Joseforsky can take credit for one of the few successes: the Duo Card

After spending over 25 years on the retail side of the cards business, when an opportunity arose to work on product and strategy development for U.S. Bank's corporate payments systems earlier this year, Heitman jumped at the chance.

To Hart, one of the most interesting developments in the payments industry is the relatively recent prevalence of low-cost disruptors that use cell phones and tablets instead of traditional point-of-sale terminals to handle card and check payments.

In Estep's role at the head of Nacha, she witnesses the payments industry push to adapt its technology to serve a variety of new purposes.

Embry is senior vice president of strategic development at Payment Alliance International, a Louisville, Ky.-based ISO and independent ATM supplier. She is also president of the MidWest Acquirers Association, a nonprofit group that provides training, education and networking for acquiring-industry professionals. She has worked in the payments industry for almost half a century.

Cook started her career in the payments industry as a sales agent nearly three decades ago. “I quickly realized how much I loved this industry,” says Cook, now chief executive officer of International CyberTrans Inc., an electronic transaction-servicing company with a broad range of merchant clients across the nation.