Kenneth R. Crone, senior vice president of Visa U.S.A.'s risk management and security division, has been elected a director of the American Bankruptcy Institute.

Mr. Crone, a 33-year veteran of the bank card industry, is active in state and federal bankruptcy reform efforts and has testified before Congress on the issue. He recently introduced an educational program used by Chapter 13 bankruptcy trustees to help improve debtors' financial management skills.

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