About this ArticleVol. 33, No. 1
We win when fraud loses—and fraud loses when we fight it together.

Divided We Fall: Fighting Payments Fraud Together
Last Updated: 02/03/09
It is a great pleasure to be addressing this august group. As some of you know, I began my career at the Federal Reserve back in 1982. So speaking to you is like a homecoming for me. I have been fortunate in my career to participate in the U.S. banking economy from three perspectives: at the Fed, obviously a policymaking central bank; at Citibank, a lender; and at two financial technology providers, including 12 years at IBM (International Business Machines) and the last year at Fair Isaac, a leader in decision management technology.