Senior Analyst covering Payments & IT Services companies, with a solid long-term stock-picking track record. Significant Thematic Work in the areas of (i) FinTech and bank disruption; (ii) Mobile Payments (Citi's 3-part "Upwardly Mobile" report series has consistently been on the "Most Read" list. It addresses Mobile Payments as well as the Internet of Things); (iii) Co-authored reports on Digital Money Conceptualized and Managed Citi’s “Financial Technology Innovations” Conference. Since 2011 this has included MasterCard, Google, First Data, PayPal, Citi, Elavon and a wide list of other public and private Payments companies.