Marc Perl brings over 30 years of professional experience to Teknowlogy Associates. Marc's diverse experience includes risk management, payments processing, data security, product development, software development and software quality assurance. During 20 years at Visa, he was a key member of Visa's Risk Management team, where he developed and managed the compliance program for the Payment Card Industry Data Security Standard (PCI DSS) as part of the Cardholder Information Security Program (CISP). Marc led the team that developed the business requirements for Visa's Point-to Point Encryption (P2PE) solution. Marc continues to conduct risk reviews at financial institutions and processors globally. As a merchant acquiring expert, Marc built and managed Visa's Integrated Debit platform to support merchants such as Walmart, Radio Shack, Kmart and others. Marc also served as project manager for Visa's Y2K effort and assisted with the spin-off of Visa's acquiring processor business into a joint venture with Total Systems Services (TSYS) called Vital Processing Services. In addition to his Visa experience, Marc has consulted with organizations as varied as Visa Inc., Jet Propulsion Laboratories, TSYS Acquiring Solutions and others. His early experience included computer operations, computer programming, creation of software development methodologies and software engineering. Marc holds a BA from California State University at Northridge.