Debra Wohlrab, CEO
Debra has over 30 years experience in the global financial services industry.
She began her career in the banking industry in 1972 and then moved into
consulting in 2003. Among the companies that Debra has worked for are TSYS,
PaySys International, and MasterCard International. At TSYS, Debra was Group
Executive of the Integrated Payments Division responsible for all debit products,
prepaid products and emerging payments. She had responsibility for P&L, sales, operations,
product management and marketing for the division. Prior to TSYS, Debra was
the SVP of Operations for PaySys International having responsibility for global
sales management, global marketing, customer service and professional services.
Debra was instrumental in the opening of the Bejing, China office for the company.
During her 13 years at MasterCard International, Debra worked in various roles, with the
last 8 of those years spent managing all operations for the Latin America/Caribbean region.
Since starting her consulting practice, Debra has consulted with several large
organizations on strategy, product development, development of global products
and services, and contactless implementation globally. She has presented at
several conferences and has maintained a vast network of relationships throughout
the industry. Some of the companies that Debra has consulted with are: ADP,
MasterCard International, Discover, American Express, Softek Puerto Rico, BBVA,
FiServ, FIS, TransCard, Cornerstone Marketing, TAC, and many more.
Lois has worked 30 years in the debit, prepaid and credit card industry, with the
last 11 years as a consultant. She has worked with such customers as UPS, Mellon
Bank, Fidelity Information Systems, Fiserv, MasterCard and Discover. For the past
10 years she has specialized in prepaid and debit card products and programs. Her
experience with project management, business analysis, strategy formation as well
as process management has made her an asset in being able to see the whole
operational picture, which is necessary for the successful implementation of a new
card program. She has had experience in working with a vendor/third party processor
as well as working with the network branding and acceptance (MasterCard, STAR,
NYCE, PULSE, VISA, Discover).
Karen has over 15 years in the prepaid card industry, most recently with Aurora
Financial Systems, where she served as the Executive Vice President, Operations.
Prior to Aurora, she served as Vice President of Prepaid Product Sales at MasterCard
International for over ten years. Karen has extensive experience in the industry from
the sales all the way through implementation and operational support. Karen was
instrumental at MasterCard in growing the prepaid business and bringing new sponsor
banks into the mix.
MaryAnn is a technology and payment industry veteran who started out in technology in
the 1980's and evolved to payments, specifically with a move to Visa in 1992. As an
executive at Visa, MaryAnn worked with all of Visa regions on a number of leading edge
projects. MaryAnn has directed her focus on Prepaid since 2006 and has BIN sponsor
bank experience and prepaid processor experience that provides the foundation for her
consulting practice today. In the prepaid area, MaryAnn has directed the implementation
of dedicated connections between the processor and Visa, MasterCard, and Discover for
multiple data centers and several successful certifications for multicurrency and other
specialized products the card schemes have to offer.
Laura is a global financial services and payments industry executive with over 21 years
of senior management experience at MasterCard International’s global headquarters in the
areas of credit, debit products, and emerging payments services.
While at MasterCard International, Laura served in key functional areas, including: global
and regional franchise and brand management, product and operations management, new product,
service and technology development, governance for the global and regional payments products
and services including operating rules and policy administration, rules compliance,
arbitration and dispute resolution, risk management, customer service, process re-engineering,
strategic planning, competitive analyses, and, administration of large-scale strategically
As a financial services consultant, Laura has been engaged by various payments industry
organizations for product and services design and management initiatives.