Each team member at Glenbrook is both a consultant and an analyst with unique insight into and knowledge of financial services businesses and technologies. We bring our senior-level, hands-on operating experience at Accenture, Amazon.com, Citibank, Digital Equipment, Federal Reserve Bank, First Data, IBM, McKinsey, and Visa to each of our client engagements.
As analysts, we track a number of related markets to assess trends, surface opportunities, and identify threats to our clients in the financial services industry. As consultants, we focus our knowledge and real-world experience on your specific needs, offering recommendations that reflect your situation.
Carol Coye Benson
Carol offers clients over 25 years of experience in product, marketing, and strategy development with leading financial services providers in both wholesale and retail banking. She has offered management direction to companies providing corporate cash management, security and authentication, and payment systems processing.
Before founding Glenbrook Partners, Carol served as a managing director of the Global Institutional Services division of Deutsche Bank (previously Bankers Trust), where she oversaw 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.
With over fourteen years of consulting experience, Jacqueline brings extensive knowledge in market assessment, business case development, and product strategy across multiple disciplines including payment cards, cash management, transaction clearing, procurement and technology infrastructure.
Prior to joining Glenbrook, Jacqueline was a senior engagement manager with Accenture in its Strategy and Financial Services practices. Over her ten-year tenure with Accenture, she consulted to a number of card companies, banks, insurance, and other financial services companies in the United States, Canada and Europe. Her work for these organizations included market entry strategy, new product development and interchange strategies.
Jacqueline holds an MBA from the Richard Ivey School of Business at the University of Western Ontario and a Bachelors Degree in Commerce from Queen’s University.
Bryan brings an unusually comprehensive perspective to his consulting practice, having worked as a senior executive, security analyst, and strategy consultant during his 20-year career in financial services. He has developed new strategies and innovative business models for banking technologies ranging from ATMs and debit card acceptance to bill payment and payroll check cashing.
Before joining Glenbrook, Bryan served as vice president of strategic development for Cyota, overseeing the company’s relationships with strategic partners including payment processors and card associations. Prior to that, he worked for First Data Corporation (FDC) as senior vice president for deposit access products at First Data Merchant Services.
Earlier in his career, Bryan established the Electronic Banking Division as a senior vice president at NatWest Bancorp in New York. There he had responsibility for the bank’s off-premise ATM network, debit card issuance, and online banking. Bryan also served as chief financial officer and head of business planning for NatWest’s retail bank and performed similar duties within Citibank’s New York retail banking network. He has also worked as an equity research analyst, covering large capitalization banks stocks at Morgan Stanley, and he began his career as a consultant at McKinsey & Company, managing strategy development engagements for large financial institutions.
With more than 25 years experience in the payments industry, Jay brings a pragmatic approach to issues confronting clients in the rapidly changing world of payments.
Before joining Glenbrook, Jay headed Global Payments at Amazon.com where he was responsible for this prominent e-tailer's acceptance strategies and operations.
Prior to Amazon.com, he served as vice president of Product, Operations and Client Services at eCash Technologies, an online payments alternative, delivering and operating unique stored value solutions to both merchants and financial institutions. Jay also headed eFund's SCAN product group, expanding the breadth of this service offering through strategic partnering and product innovation.
Jay began his career in payments at Seattle First National Bank, where he was responsible for merchant bankcard services, implementing and operating the Pacific Northwest's largest point of sale network.
Following this experience, Jay had an extensive career at Visa, leading implementation of several strategic projects as well as the launch and growth of several of Visa's acquirer services, including his role as the founding operations officer in Merchant Bank Services, Visa's original acquirer processing company.
Russ is partner at Glenbrook with over 25 years of experience as an executive, analyst, and consultant. He is an industry pioneer in the commercial use of Internet technologies, and brings a strong background in payments industry analysis, strategy development, and product conceptualization.
With Glenbrook Russ currently works with clients in all aspects of global payments strategy including global acceptance, alternative payments, risk management, and digital identity.
Before joining Glenbrook, Russ was a general partner with The NuVantage Group, an innovation-to-market consulting group, where his clients included CommerceNet and the Financial Services Technology Consortium. Earlier, Russ served as director of emerging technologies for Digital Equipment’s corporate research group in Palo Alto. In addition to his work as a consultant, Russ is the Partner in Charge of Glenbrook's research efforts. He is also the editor of Payments News, Glenbrook's payments industry news aggregation service.
With more than 30 years' experience in information technology — as a technologist, senior executive, board member, venture investor, consultant, advisor, and mentor — Scott brings seasoned judgment and a unique business perspective to his work with Glenbrook.
Earlier, Scott was group executive vice president at First Data Merchant Services. Scott also was group executive vice president at Visa International, where he led the development of Visa's global payment systems strategies, including Visa's research and development initiatives related to card payments, Internet payments and advanced card technologies. Scott began his career as a systems engineer with IBM where he held a series of technical management and product planning positions over the course of seventeen years.
In addition to his work at Glenbrook as a consultant, Scott is the Partner in Charge of Glenbrook's Payments Jobs board.
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Erin focuses her efforts at Glenbrook on client engagements in commercial payments, global eCommerce, and the intersection of social media and payments. Erin has over twelve years of experience leading increasingly complex business-to-business (B2B) payment initiatives for corporate clients and advising financial technologists and financial institutions on the development of their cash management capabilities.
In addition to consulting, Erin is the editor of Glenbrook's Payments Views blog, where we share our opinions and points of views on the payments news of the day. Erin's blog posts and articles cover topics related to corporate finance, treasury technology, B2B payments, change leadership and financial process improvement.
Before joining Glenbrook, Erin was the founder of Forte Financial, a consulting firm focused on corporate finance efficiency, accuracy, and technology. Her work is grounded in proven change leadership and program management methodology, ensuring lasting results. She believes that "great strategy and clever technology solutions are too often casualties of poor execution" and is therefore committed to supporting clients from concept to reality.
Erin holds a B.A. in English from the University of California, Davis, and an MBA from the Marshall School of Business at the University of Southern California. She is a Certified Treasury Professional (CTP), a certification granted by the Association of Financial Professionals.
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Elizabeth has over a decade of experience in developing global payments services. She has worked extensively in retail payments focusing on international remittances, person to person, business, and government payments.
As the head of FedGlobal ACH Payments for the Federal Reserve Retail Payments Office, Elizabeth was responsible for developing the program’s strategic direction, new product development, and market outreach program. During this period, the availability of international payments via the ACH network grew from 5 to 34 countries.
Her experience includes developing new standards for international payments in the ACH network as well as being a founding contributor to the International Payments Framework Association (IPFA), helping to develop a method to simplify the exchange of cross-border payments across disparate formats. Elizabeth also worked at Microfinance International Corporation where she helped expand the company’s payment network and to implement mobile-initiated cross-border payments.
Elizabeth has collaborated with a number of industry groups and has been a frequent presenter at conferences in the U.S. and abroad. She has extensive experience on payments issues in Latin America, especially Brazil and Mexico, Canada, Europe, and Japan. Her work has also focused on the regulatory and compliance aspects of international payments.
Dennis draws on more than 20 years of experience in the financial services industry to help clients apply systems technology to business problems. With Glenbrook, Dennis leverages his background in card acceptance and consumer point-of-sale environments to bring a merchant perspective to the firm's research efforts.
Before joining Glenbrook, Dennis worked with Schoolpop, developing a card-based loyalty program that was embraced by more than 22,000 schools and 250 merchants. He served as a senior vice president at Visa International, where he oversaw international card acceptance. Earlier at Visa, Dennis managed a team of 200 systems developers supporting Visa's POS processing business. Dennis has worked as the managing partner of a systems consulting firm and has held management and staff positions in IBM's large-systems marketing division.
Allen's analysis work is informed by more than 20 years of experience as a consultant and executive at leading financial services and Internet companies. Before founding Glenbrook, he worked in new product development, channel strategies, and pricing in the point-of-sale, e-Commerce, mobile commerce, and money transfer markets. Allen worked at First Data Corporation as senior vice president of product development and marketing with overall responsibility for POS, Internet, and back office products in First Data's multi-billion dollar merchant processing business.
Before joining FDC, Allen was a vice president at Visa USA, where he oversaw merchant pricing (interchange) and new market development. He served as Senior Manager in Accenture's Strategic Services practice, where he led strategic planning, operations, marketing, and product development engagements and was one of the firm's worldwide payments experts. In addition, he was a founder and vice president of business development at BarterTrust (acquired by Intagio.com), a business-to-business exchange serving 50,000 client companies.
Allen's current area of focus is the rapidly changing landscape of both physical and ecommerce products and technologies from the merchant, processor, consumer, and card system perspectives. He works with dozens of the largest ecommerce and physical world merchants and their technology providers, as well as the credit and debit/POS card networks, acquirers, and venture capital investors focused on emerging payments opportunities.