Product leader with 20+ years of experience creating profitable, market-defining payment solutions and shaping global standards. Proven in driving growth, building high-performing teams, and delivering at scale across global markets. Currently spearheading Mastercard’s innovation across multiple domains including Agentic Commerce strategy with global partners, leading the Acceptance Accelerator Platform, and setting technical frameworks for next-generation payment innovation. Pioneered solutions such as EV Plug & Charge Open Loop Payments (ISO 15118), digital identity, biometrics, and cloud tokenization. Specialized in digital identity, authentication, tokenization, and interoperability, with deep expertise in Agentic commerce EV Charging, Connected Cars, and AI-driven commerce. Author of 20+ patents and trusted industry contributor to EMVCo standards, navigating complex ecosystems to influence global adoption.