Carol is a founding partner of Glenbrook, a payments industry strategy consulting firm. Carol has over 25 years of experience in product, marketing, and strategy development with leading financial services providers in both wholesale and retail banking.
Carol's practice at Glenbrook focuses on mobile payments, consumer payment behavior, bill payment, and business-to-business payments.
Before founding Glenbrook Partners, Carol was a managing director of the Global Institutional Services division of Deutsche Bank, in charge of marketing, client online services, and Internet development.
At Visa International, she led a group conducting early work on the use of credit cards online, and a project that pioneered database marketing and related consumer-privacy issues. Carol also founded and managed Visa's European product-development office, where she led a series of electronic-commerce and chip-card projects designed to bring European banks online.
Prior to her career with Visa International, Carol spent twelve years with Citibank, where she managed the development and market introduction of new payments products. Carol began her career as a corporate lending officer for large multinationals at both Bank of America and Citibank.
In addition to her work as a consultant, Carol is the Partner in Charge of Glenbrook's Payments Boot Camp program. This unique program provides executive training for professionals in the payments industry. Glenbrook Payments Boot Camps are held throughout the year both as public events and as customized, private sessions for clients. She is co-author of the book "Payments Systems in the U.S."
Carol has an A.B. from Bryan Mawr College in Psychology, and an M.B.A. from Columbia University in Finance and Marketing.
Carol sits on the Advisory Board of the Institute for Money, Technology and Financial Inclusion (IMTFI) of the University of California, Irvine, and on the Editorial Board of the TSYS n>genuity journal on global payments innovation. Carol was co-inventor of US Patent 5,732,400 and US Patent 7,840,459.
