Derrick Bretz

Led strategic initiatives and innovation in payment services, driving significant revenue growth and technological advancement. Key achievements include: • Architected and implemented payment strategies yielding 4.4% to 13.9% year-over-year growth in materially recurring revenue, resulting in a cumulative $36+ million increase in division revenue. • Spearheaded industry-leading FedNow implementation, enabling 300+ banks to receive payments within 7 months, with 12 banks fully operational for sending, generating $1.5M in one-time revenue and $600K+ annual recurring revenue. • Launched strategic initiative to monetize CSI's payment platform as Payment-as-a-Service (PaaS), driving rapid growth to $55K monthly recurring revenue within 6 months, projected to exceed $1.5M annual recurring revenue. • Directed critical programs including Payment Modernization Projects, CSI Wire, and Payment API Expansion, enhancing technological capabilities and market competitiveness. • Managed comprehensive payment processing operations for 440 banks, ~2,000 card programs, and ~3.0 million cards, processing $26+ million transactions totaling over $911 billion in payment volume annually. • Maintained 0% team turnover during pandemic while rebuilding product team, ensuring operational continuity and fostering a culture of innovation.

Drove innovation and growth in payment services, focusing on digital transformation and customer-centric solutions. Key accomplishments include: • Orchestrated large-scale EMV conversion, successfully transitioning 1,500+ card programs while simultaneously driving growth to over 1.7M digital wallets/tokens across multiple platforms. • Led development and implementation of Payment Scorecard, leveraging data analytics to increase customer performance and drive revenue growth across the client base. • Served as key resource and Payments SME for customer retention, prospect acquisition, and strategic partnerships, significantly contributing to CSI's overall growth and market positioning. • Authored multiple articles on fraud prevention and emerging payment technologies in national and regional industry publications, establishing thought leadership in the fintech space. • Spearheaded strategic initiatives to enhance CSI's competitive position in the rapidly evolving payments landscape, focusing on digital banking innovations and customer-centric solutions.

Led product management initiatives in card services, focusing on fraud prevention and innovative digital banking solutions. Key achievements include: • Launched Card Sentry fraud monitoring system, achieving an industry-leading transaction fraud rate of 2.5 - 3 basis points, significantly outperforming industry averages. • Led innovation in Digital Banking by developing and implementing cutting-edge features including Card On/Off and SPIN P2P, enhancing user experience and driving adoption rates. • Spearheaded the creation and launch of CSI SPIN P2P payment feature in Digital Banking, facilitating seamless fund transfers and positioning CSI as a competitor to popular P2P payment apps. • Collaborated cross-functionally with engineering, marketing, and customer support teams to ensure successful product launches and continuous improvement of card services offerings. • Conducted market research and competitive analysis to identify emerging trends and opportunities in the card services and digital payment landscape. • Managed product roadmap and prioritized feature development based on customer needs, market demands, and strategic business objectives.

Played a key role in driving digital innovation and product adoption in card services. Key accomplishments include: • Spearheaded the development and launch of CSI's first mobile banking application, positioning the company as a pioneer in digital banking innovation and enhancing our competitive edge in the market. • Leveraged data analytics to develop targeted strategies, resulting in a significant 25% increase in product adoption rates across our card services portfolio. • Focused on enhancing user experience in digital banking products, contributing to improved customer satisfaction and retention. • Collaborated with cross-functional teams including development, marketing, and customer support to ensure successful implementation and ongoing improvement of mobile banking solutions. • Conducted regular market research to stay abreast of emerging trends in mobile banking and card services, informing product roadmap and feature prioritization. • Contributed to the creation of user guides and training materials to facilitate smooth adoption of new mobile banking features by both internal teams and end-users.