Steve L. Abrams was most recently group executive, Global Commercial Products, at Mastercard Worldwide. In this position, he was responsible for leading the development, management, and growth of the global business-to-business (B2B) programs, marketed through financial institutions to small, mid-size, and large corporations as well as public sector entities for MasterCard Worldwide from 1994 – 2010. Mr. Abrams joined Mastercard in 1990 as vice president, Member Relations, for the Eastern Region, and is an over 36-year veteran of the retail and commercial banking industry, with experience in credit card marketing, sales, product development, and portfolio management. Mr. Abrams has managed the merchant business, ATM networks, an AI based personal financial planning system, home banking, and consumer credit businesses; developed new retail bank channels of distribution; and created innovative consumer credit and personal financial management products. Prior to joining Mastercard, he served in various vice presidential capacities at Chase Manhattan, N.A. (1982 - 1990) and Chemical Bank (1974 – 1982). He is a member of the Association of Financial Professionals, Chairperson of the Commercial Payments International Advisory Board, a member of the Advisory Boards of Miri Systems and Armor Payments and CEO of The Abrams Group Ltd. Mr. Abrams holds a Master’s degree in business administration in marketing and a Bachelor of Science degree in economics and marketing from Rensselaer Polytechnic Institute. He also pursued a Doctor of Philosophy degree at Rensselaer.