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Mansour Aaron Karimzadeh - Partner - Managing Director, USA

Mansour Aaron Karimzadeh applies nearly 25 years of experience to his leadership role at SCIL. His background includes payment and transaction processing systems in the financial industry, an in-depth understanding of how to create new businesses and drive demand for emerging products and technologies. He has been instrumental in implementing many large card and payment processing projects worldwide specializing in smart cards and EMV systems - including projects in the UK, Canada, USA, Latin America, Middle East and Australia. He served as a Board member of Global Platform and Chair of its Marketing Center.

He previously managed a smart card consultancy and software company that was acquired by ACI Worldwide. At ACI he served as VP of Operations and Director of Smart Cards Unit. Mansour has been involved in the smart card based healthcare card in the USA.


Jan Dart – Partner – Managing Director UK

Jan Dart has extensive experience in payments architectures & processing, payment products & services, business development, product development, mobile banking payments strategy and managing major project deployments. Advisor on product strategy, development and deployment with particular focus on EMV and mobile NFC products market growth and runs the consultancy practice in payments, smartcards and mobile payments.

He previously managed a smart card consultancy and software company that was acquired by ACI Worldwide. At ACI he served as VP of Operations and Director of Smart Cards Unit.


Kathy Lawton – Partner

Kathy Lawton has over 15 years experience in the electronic payment business.  During her 12+ years experience as a Senior Vice President at JPMorganChase, she led the design and implementation of many electronic payment systems fully-integrated into the retail bank.  Major accomplishments include the first fully integrated Mondex smart card system, debit card systems, and online banking applications.


Mary M. Blair – Partner

Mary Blair is a product development consultant with over 25 years of experience in the payment card industry, financial services, and telecommunications. She is considered by her clients to be a subject matter expert in emerging payment technologies and is recognized for her creative and practical solutions, along with her result-oriented approach.

Given her extensive business and technical background in transaction processing and banking she has a unique ability to match client needs with the appropriate technologies and provide cost effective solutions to solve complex problems. She is particularly knowledgeable in strategizing the launch of new card and payment products from business case modeling, through to project planning and deployment. Her payment expertise spans both issuance and acceptance of debit, credit and prepaid payments, contact and contactless chip technologies, EMV migration, wireless POS technologies, and vendor relationship management. Her demonstrated experience in establishing partnerships and obtaining contractual agreements among multiple organizations is invaluable.

Mary has developed, implemented and deployed contact and contactless Smart Card product solutions in Canada and the USA, and has consulted on various global payment projects. Her career experience includes clients and/or senior positions with major Financial Institutions.


David Cole - Partner

David Cole has over twenty five years’ experience in cards, computing and management services. He has excellent knowledge of applications in the credit, debit, loyalty and payment card industry. Over the last fifteen years he has been involved heavily in the emergence of smartcards and the EMV standards. His areas of expertise include project management, strategic technical and business investigation, business studies, fraud investigation, company investigations, marketing plans, business and financial plan preparation, market surveys, on-going technical review of Card and EFT systems, training and team management.

His experience has covered Card Launch, Loyalty applications, Online customer interfaces, Credit card account system development, EMV Smart Card developments in all market sectors, Secure Electronic Commerce and other related applications. In addition he has worked on ATM, Eftpos, Acquiring, Fraud Systems, Card Management, Billing Systems, ACH Clearing Systems and the International Payment systems. He has worked with Financial Institutions, Card Schemes, Processors, Retailers, Loyalty Providers, Travel Companies, Oil Companies and Telecommunications Providers.

He has produced and delivered courses, seminars and workshops, explaining and exploring all aspects of the business and technical side of smart card based applications, including EMV migration projects, across a number of countries including UK, Uruguay, Trinidad, US, Nigeria, Bahrain, Russia, Poland, Romania and Croatia.


Nick Collin – Partner

Nick Collin is an experienced management consultant based in London UK and specialising in the banking and payments industry, with a focus on EMV chip card payments. Particular areas of expertise include: EMV chip and PIN; chip-based added value applications; card and non-card payment systems; e-commerce; on-line banking; e-trust and information security; application of advanced technologies; speech recognition; information systems strategy; business process improvement; product development; marketing and communications; delivery strategy; scenario planning; workshop facilitation; and training.

Over the past 10 years, Nick has worked extensively as an independent consultant for MasterCard’s Chip Centre of Excellence in Brussels, helping to develop and deploy added value propositions based on EMV chip. Prior to that, Nick held senior consulting posts at Stanford Research Institute (SRI) in London and California, and at Ernst and Young in London and New York. He is also the author of a major research report for Retail Banking Research (RBR) on “EMV Chip Applications: Catching the Next Wave”.


Lindsay Robertson – Partner

Lindsay Robertson is a CxO level advisor specialising in (smart) cards and payments across the financial services and public sectors. Previously with PA Consulting, he advised the Department for Transport in the UK on the implementation of a nationally interoperable ticketing strategy, and delivered of the English National Concessionary Travel Scheme. He has also worked with the Home Office on the UK's Identity Card Programme, and developed an international growth strategy for the leading Scandinavian transaction processor.

Before consulting, Lindsay worked in the financial services industry, in banks and for related suppliers, in a range of roles including the set-up of new, and the re-organisation of poorly performing, business units. Lindsay has an MBA from the University of Edinburgh and is a Member of the Chartered Institute of Bankers in Scotland.


Fred Namdar – Partner

Fred has 8 years experience in leading edge technologies of today. He has designed developed and implemented systems for financial transactions, smart card payments, high resolution digital imaging and distributed internet applications. He has implemented high throughput e-commerce web based systems.