Howard, currently the Director of Multichannel Operations for Tractor Supply Company in Brentwood, Tenn., championed the efforts to bring increased awareness within the organization to the growing issues in Cybercrimes, specifically around CNP transactions and chargebacks.

Prior to joining Tractor Supply Company, Howard held several management and upper management positions with top retailers including Home Depot, The Container Store, Pier One Imports, Benchmark Brands and Fabric.com (An Amazon Company). Her retail experience ranges from traditional retailing, to international, to pure play e-commerce and multichannel. She has over 30 years experience in retail store management, buying, merchandising, marketing, logistics and operations.

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Chris Priebe is the Director, Treasury - Payment Strategies for Southwest Airlines Co. He is responsible for payment strategies and all payment acceptance contracts in excess of $20 billion per year. Since starting at Southwest 15 years ago, Priebe has held a variety of leadership positions including Director of Accounting Operations and the Director of Sales Accounting.

Priebe’s teams at Southwest have been responsible for all of the company’s payment functions including Cobrand Accounting, Card Fraud Prevention, Card Acceptance and International Payment Acceptance, Accounts Payable and Treasury Operations. He has served on Board of the Merchant Advisory Group since inception and as the Treasurer since 2009.

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A results-driven professional, Daniel Fraser has more than a decade of proven experience in information technology, management and e-business applications. He currently manages payment processing for Web.com, a company providing Website services to small businesses. Web.com, with $500 million in annual revenue, acquired Register.com in 2010 and Network Solutions in 2011, expanding Fraser’s management role. Previously, Fraser served as processing manager for Register.com, handling all fraud processes, streamlining operations, overseeing team activities and facilitating non-disclosure agreements and contracts with key partners and vendors.

Daniel’s extensive IT and management training, combined with experience in quality assurance, strategic risk management and billing platforms, have driven his expertise in the card-not-present payments space.

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Janet Langenderfer is the Managing Director of Vision Partners & Associates, a consulting firm that specializes in helping large merchants optimize their interchange situation and advises on processor analysis, regulatory and industry changes, cost management, risk management, PCI, co-branding, and new technologies.

As Senior Director of Credit Cards at Amtrak from 2004 to 2011, she managed over $1.5 billion in customer payments, added more than $250 million to the bottom line, and she represented the company on Capitol Hill regarding payments issues. Prior to joining Amtrak, Janet built an extensive background in the payments industry having worked for MasterCard International, First National Bank of Chicago, Booz Allen & Hamilton and many merchants of all sizes.

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Maria Arminio, President and CEO of Avenue B Consulting, specializes in strategic and business planning, market assessments, competitive analysis, and the evaluation of payment systems products, services, and technologies. She has consulted extensively in areas including POS/debit, ATM networks, advanced card products, electronic check conversion, retail operations, electronic benefits transfer, risk management, and ebusiness solutions.

Avenue B Consulting, Inc. is a management consulting firm focusing on payment systems products, services and technologies. The company offers a variety of services tailored to the payment system environment including business and strategic planning, new product development, product market validation, business and IT assessments, and competitive analyses.

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As editor-in-chief of CardNotPresent.com, D.J. Murphy has day-to-day control of the editorial content on the Website and serves as the publication’s main reporter and writer. He brings more than 15 years of media and corporate experience to the company.

Prior to CardNotPresent.com, Murphy served as Associate Editor for Paybefore—a family of primarily electronic publications focused on the prepaid card industry—where he wrote, edited and produced its most-read publication, Paybefore News and created its non-U.S. counterpart Paybefore News International. He also contributed heavily to Paybefore’s other publications: Paybefore Update, Paybefore Magazine and Paybefore Legal.

During his career, Murphy has served in a variety of roles in both new and traditional media including as an internal publications writer/editor and corporate communications manager at Sovereign Bank, a producer at ABC’s Enhanced Television, an editor and writer at ESPN.com and in ESPN’s television programming department. He has also worked as a freelance writer and columnist.

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