Todd Thayer

VP Operations, Home Improvement

Upgrade Inc

Mar 2025 - Current (1 year 7 months)

Business Transformation (Merchant Services, Fraud, Security & Compliance)

Wells Fargo

Sep 2022 - May 2025 (2 years 9 months)

Senior Vice President, Enterprise Fraud & Risk Management

BPC Banking Technologies

Mar 2022 - Sep 2022 (7 months)

Driving roadmap & competitiveness of fraud and risk management product portfolio. Responsible for growing business and leading Enterprise Fraud discussions with Central Banks & Member Banks globally and most recently in the Philippines, New Guinea, Nigeria and Saudi Arabia

Vice President, Product - Payments & Risk Solutions

Fiserv

Jul 2019 - Mar 2022 (2 years 9 months)

Enterprise Fraud and Financial Crimes

Fiserv

Jul 2019

I am very pleased to announce that I joined Fiserv in July. Working with a great group of people that are focused on reducing financial fraud across multiple industries including banking, insurance and retailers.

Executive Director, Payments & Security Solutions

JPMorgan Chase Co

Oct 2016 - Jul 2019 (2 years 10 months)

Focus: Retail & Ecommerce Payments, Authentication, Authorization, Settlement, Clearing, Chargeback Management, Mobile Wallets, Network Tokens, Transaction Fraud Mitigation Strategies, New Account Risk Assessment, Encryption, Tokenization, Secure Remove Commerce, PSD2, Strong Consumer Authentication

Vice President Product Management, Strategy & Planning

Syniverse

May 2014 - May 2016 (2 years 1 month)

Focus: Transaction Processing, Mobile Engagement, Mobile Security & Fraud Mitigation Strategies, Mobile Advertising, API Monetization, User Experience Optimization, Channel & Partner Development, IOT Provisioning
• Responsible for new product development and sales validation (sell-in first 2 customers). Orchestrated GTM strategy including customer sell-in decks, channel & partner alliances, marketing, pricing strategies & sales team training
• $180M P&L owner across 12 products yielding 15% YOY growth, combination of legacy & new product development
• Capex process leader for $35M annual development fund with growth target ROI exceeding $300M in three years
• Authored 12 business cases in first year, 9 approved to driv

Senior Director of Mobile Commerce & Application Strategy

InComm

Feb 2013 - May 2014 (1 year 4 months)

Focus: eCommerce, Banking Apps, Digital Gift Card App Development, Bill Pay, API Monetization, User Experience
• Responsible for ecommerce strategy including web services, mobile applications and virtual card products
• Hired 14-member mobile application team that launched 5 applications in 12 months for banking clients and third-party companies selling digital gift cards. Team replaced contractors that were behind schedule and over budget. Y1 ROI: $10M
• Managed team that designed, built, launched and hosted consumer mobile applications for DFC financial in Canada & Europe, Jackson Hewitt, Rogers Wireless and Giftango

Capital Expenditure Consultant & Product Owner

ATT Business Solutions ABS

Mar 2012 - Feb 2013 (1 year)

Focus: Identity & Access Management Solutions, Multi-factor Authentication, OEM Management, MDM & Mobile Security
• Authored business cases for enterprise grade IDAM solution. Business case included authentication, authorization, federation, single sign on, provisioning, auditing & mobility. $12M capital expenditure budget approved in 2013
• Part of AT&T Business Solutions (ABS) team building a business productivity portfolio for corporate clients including solutions for MDM, secure messaging, fleet & workforce tracking, MEAP & mobile productivity solutions

Head of Smartphone & Advanced Devices

Nokia

Oct 1998 - Mar 2012 (13 years 6 months)

Focus: Global Smartphone Portfolio & Roadmap Development, Retails Sales Channel Expansion, Business Productivity Solutions, Mobile Wallet, Wireless Payments, RFID, LE BT, AGPS, LBS, Secure SIM, FCC & Compliance Testing
• Inherited business group averaging $3M in yearly sales. Successfully coached and managed team through new strategy introduction, opened new distribution channels and identified new market opportunities resulting in sales that exceeded $135M within the first 18 months. By end of 2009, yearly sales increased to $350M with a 35% operating margin
• Business leader & Head of Go-to-Market (GTM) for 30+ resources in North and South America, yielding over $750M annual revenue
• Director of B2B Markets aligning thi

SW Systems Engineer

Texas Instruments

Jun 1991 - Sep 1998 (7 years 4 months)

Recruited & selected for Texas Instruments Software Systems Engineering training program focused on advanced technologies

Member of small team that designed advanced HW/SW signal processing for HARM and HARM derivatives

Designed and developed flight-worthy telemetry systems for demonstration and validation

Briefed US Air Force on flight-test results from verification and validation activities

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Todd Thayer

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