Career moves

When Armine-Klein joined the company in May 2014, First Data held a 45% rating on the Human Rights Campaign Corporate Equality Index, which is used to benchmark corporate policies and practices regarding lesbian, gay, bisexual and transgender employees. Today, First Data holds a score of 100%.

Daif describes her job as a race against industry disruptors who ostensibly offer faster, more convenient alternatives at lower costs.

Ericksen is one of the "EMV people," part of the card network-driven push to get the entire globe dipping instead of swiping.

Ann Cairns, president of international markets for MasterCard, helps guide initiatives such as financial inclusion and other international initiatives. The rapid uptake of payments technology is challenging MasterCard to create an attractive experience that goes beyond payments.

In addition to battling crime, bankers face a more competitive market filled with well-funded bank alternatives, putting Bank of America Merrill Lynch's Stephanie Wolf on the spot to play offense and defense for one of the world's largest financial institutions.

McNamara has been recognized in prior years as one of PaymentsSource's Most Influential Women in Payments, partly on the influence of her organization, Citi Retail Services, which accounts for a huge portion of Citi's overall business.

There's a cultural shift that's necessary for some companies, Manus said, noting that for many organizations, past success is the biggest threat to a healthy future.

'Fast' may not be the first word that comes to mind when describing her four-year journey to win over the country's largest banks, but for Jan Estep, it's a testament to the perseverance and negotiating prowess necessary to achieve a breakthrough in payments efficiency.

Still uncertain about EMV? You've got good company in MagTek's CEO and chairman, Annmarie "Mimi" Hart.

Fintech companies work in much faster cycles than the traditional payments industry is used to, and these newcomers aren't afraid to pivot. Discover's partnerships have taught it how to stay "nimble," Offereins said, while still allowing it to focus on enabling commerce in a seamless and secure way.