Kevin J. McHale M: 415/215-3730 E: km13952a2@westpost.

net Summary A Product Management executive with 20 years of experience in developing and lau nching innovative financial service offerings. Strong business and relationship development experience with international and domestic clients. Proven success i n establishing rapport and developing consensus across all levels of diverse cor porate and client partners. Blackhawk Network 2010 Director, Card Processing Services Leadership role in development of closed loop processing service solutions for national retail and restaurant partners. Key sales support executive instrumental in direct sales, contracts, and propos al efforts. Created stored value processing services roadmap for national and international expansion. ASMRB Consulting 2009 to 2010 Principal Established company in order to provide consulting services in the San Francisc o Bay Area digital and card payments space. Developed opportunities for individual projects, as well as sub-contractor and staff augmentation roles. Majority of time spent in business development role. Visa Inc. Foster City, CA 2003 to 2008 Vice President/Senior Business Leader, Global Product Management 2006 to 2008 Global project leader for international launches of consumer debit and prepaid products that led to successful introduction in developing markets. Internal product, strategy, and brand consultant for country and region relatio nship and implementation management teams for local product customization, launc h, and sales efforts resulting in increased usage of products. Introduced product enhancements tailored to better meet the changing needs of d eveloping markets in Japan and the Middle East and exceed sales goals for target markets. Developed and implemented global prepaid profitability study to showcase new re venue potential. Authored a multi-application chip card product strategy paper illustrating prod uct implementation hurdles along with revenue opportunities. Developed and conducted risk review and operations processes for new card techn ologies and the wind down of early stored value and global travelers cheque prog rams. Independent Consultant, Marketing San Francisco Peninsula 2001 to 2002 Developed and implemented a series of direct mail solicitations for San Francis co Bay Area real estate agents that averaged a 3% return rate across the Mid-Pen insula region, and an average of a 1.1% return in other areas. Provided collateral design and success tracking expertise for offices that did not have experienced staff on-site to illustrate effectiveness of campaigns. Drafted a series of new business plans and product proposals for local small in ternet commerce merchants to aid in quick program implementations.

iPin/Valista Belmont, Ca 2001 Director, Product Management Developed and coordinated the product responses for all RFI and RFP documents t o increase awareness of product capabilities and versatility. Designed a series of new products and service enhancements for mobile commerce and micro-payments platforms enabling increased revenue opportunities for client s. Created specific product packaging for Asian and European customers and prospec ts to better mesh with local conditions and requirements. eTime Capital, Inc. Sunnyvale, Ca 2000 to 2001 Director, Financial Product Management Developed and managed relationships with financial partners for joint marketing of services. Acted as transition manager for eTime Capital (a Mayfield company) following th eir acquisition of PayPlace.com. Designed and implemented ACH payment system for the eTime Capital financial sup ply chain reconciliation service. Implemented a company-wide MRD, PRD, and SRD requirements document methodology for new product development efforts. PayPlace.com (Purchased by eTime Capital, Inc.) Menlo Park, Ca 2000 Senior Director, Product Management and Operations Designed and implemented enhanced online payment authorization and authenticati on functionality for online person-to-person payments to lower operating costs a nd increase security. Established and managed a new financial operations department consisting of fou r staff for processing transactions, account reconciliation, and funds settlemen t to reduce service backlogs by over 80%. Managed a team of 12 multi-shift customer service representatives. Recruited and hired a team of payment fraud and risk management personnel. Participated in evaluation and negotiation with prospective acquirers of PayPla ce. Visa International Foster City, Ca 1991 to 2000 Director, Market Readiness, Y2K Millennium Project 1999 to 2000 Director, Global Debit Products 1997 to 1999 Education: BA, Political Economics, University of California, Berkeley.