Board Members

Meet the Board Members of Digital Commerce Alliance

President and Founding CEO

Silvio Tavares

Silvio Tavares is an experienced CEO, senior executive and thought leader with over 15 years of experience in the digital commerce and payments industry. Mr. Tavares is President and CEO of The CardLinx Association, a leading global trade association for the payments and digital advertising industries. CardLinx founding members include MasterCard, Discover, First Data, Facebook and Microsoft among others.

He was previously SVP and Global Head of Information Products at Visa Inc. where he led a business unit generating several hundred million dollars in annual sales and successfully launched key new industry leading products in the areas of payment fraud detection, digital marketing and merchant loyalty. Mr. Tavares joined Visa from First Data, where he was Senior Vice President and Global Head of Information and Analytics. At First Data, he patented and launched First Data’s U.S. macro-economic spending indicator. He began his career at AT&T where he authored one of the earliest business method patents for web-based payments. He has authored over fifteen granted or pending patents in the fields of digital commerce, electronic payments and payments analytics.

Mr. Tavares earned a Juris Doctor degree from the Boston University School of Law (Oxford University Program), an MBA from Boston College and a Bachelor of Science Degree in Electrical and Computer Engineering from Tufts University.

Senior Vice President, Financial Services, Transunion

Paul Siegfried

Paul joined TransUnion in 2015 as the leader of the TransUnion’s Card organization, including both Market Strategy and Market Development. Transunion would become the first data platform to be represented on The CardLinx Association board of directors. Pauls teams at Transunion gather client needs, collect market intelligence and deliver thought leadership and solutions to the market.

Prior to joining TransUnion, Paul spent 12 years at Fifth Third Bank as Director of the Credit Card lines of business. Key contributions over the last decade include developing and leading the strategy resulting in ten-fold growth of the business to $2.6B in assets. A major component driving growth of profitability has been the ability to leverage the knowledge and manpower of key strategic partners such as TransUnion, MasterCard, Argus, Zoot, Vantiv and TSYS. Additionally, Paul was responsible for Fifth Third Student Lending from 2012–2014 and the associated partnership with Sallie Mae.

Paul spent 1996-2003 with Visa Sales and departed as the Midwest Regional Manager.

Vice President, Emerging Payments Innovation, Discover

Jasma Ghai

Jasma is responsible for the strategy, design and delivery of consumer and commercial products that position Discover to continue to be a leading payments partner. She is also responsible for international product strategy to better serve the needs of Discover’s Network Alliance and Diners Club franchise partners. Prior to her current role, she led the Innovation Office for the Discover Network. Jasma received a M.S. in Statistics from Michigan State University and attended the Kellogg Executive Leadership Program on leading transformation in the digital age. She is on the Chicago Chapter Board of Governors for American India Foundation and a Junior Achievement volunteer.
Founder and CEO, Augeo

David Kristal

David is the founder and CEO of Augeo, and Co-Chairs the company with Juan. He leads Augeo’s new ideas origination efforts and drives the parallel strategic and technological innovations. In his role, David is active in all aspects of the firm’s activities. He is a graduate of the University of Minnesota’s Carlson School of Management, and Stanford University’s School of Law. He began his career at the law firm of Winthrop & Weinstine, PA. David is very active in philanthropic activities and serves as a voluntary member on a number of boards. He also actively participates in early stage commercial efforts, from time to time serving on their boards or supporting these ventures through Augeo.
Senior Director, Microsoft

Neal Bernstein

Neal is the General Manager of Microsoft Earn. he leads Microsoft’s card linking initiatives and leads new initiatives to increase consumer engagement and monetization.  Prior to this role, Neal was Chief of Staff for a number of Microsoft initiatives including Bing Local, Bing Mobile, Bing Maps, MSN, and Local Ad products.

Prior to Microsoft, Neal was a pioneer in the voice recognition industry. He launched IBM’s voice recognition products, he founded two companies that commercialized voice self-service, and for Microsoft he created the industry’s first voice search service.

CEO and Founder, Fidel

Dev Subrata

Dev is the founder and CEO of Fidel based in London, UK. Fidel is a leading API platform for card-Linking and would become the first European company represented on The CardLinx Association board of directors. Fidel makes it easy for developers to build applications that receive real-time payment events directly from transactions made by payment cards, both online and offline. Fidel API currently supports Visa and MC only, with customers like British Airways, Gap, Subway, Burger King already plugged in. Prior to Fidel, Dev has been active in a variety of start-ups ranging from e-commerce to social networking including founding Badoo. He is a graduate of the Queen Mary University in London.
General Manager Of Loyalty Division, FIS

Mladen Vladic

Mladen Vladic is the General Manager of Loyalty division within FIS, the world’s largest provider of retail payments and banking technologies.

Mladen specializes in banking and retail loyalty solutions as well as emerging payment trends. Under his leadership, FIS Loyalty division has been focused on convergence between banking and retail loyalty space to deliver relevant, real time point-of-sale consumer engagement opportunities and coalitions. Those efforts received five industry recognitions in the last two years including PYMNTS.com POS Innovation Award and Pay Before’s Outstanding Loyalty Program.

Mr. Vladic earned a Bachelor’s degree in Business from University of Pristina, Serbia and Master’s degree in Business Economics from University of South Florida.

Senior Vice President, Innovation Loyalty & Platforms Partnership, Bank of America

Jill Moser

Mladen Vladic is the General Manager of Loyalty division within FIS, the world’s largest provider of retail payments and banking technologies.

Mladen specializes in banking and retail loyalty solutions as well as emerging payment trends. Under his leadership, FIS Loyalty division has been focused on convergence between banking and retail loyalty space to deliver relevant, real time point-of-sale consumer engagement opportunities and coalitions. Those efforts received five industry recognitions in the last two years including PYMNTS.com POS Innovation Award and Pay Before’s Outstanding Loyalty Program.

Mr. Vladic earned a Bachelor’s degree in Business from University of Pristina, Serbia and Master’s degree in Business Economics from University of South Florida.

Colins Evans, Collinson - Valuedynamx
Chairman, Collinson

Colin Evans

General Manager, Rakuten Card Linked Offer Network

Erin Warren

Erin Warren serves as the senior vice president of marketing at Cartera Commerce, a leading provider of loyalty marketing solutions and rewards programs that increase revenue and customer loyalty. Last year, Cartera Commerce was acquired by Ebates/Rakuten, and Erin, along with Cartera’s executive team, has led the successful transition to strengthen loyalty marketing solutions for its customers. As part of the integration of Cartera into Ebates/Rakuten, Erin is now also heading up the Rakuten Card Linked Offer Network for Rakuten. Before coming to Cartera, Erin was CMO at CollegeWeekLive (an edtech start-up) and VP of Channel Marketing for Sallie Mae. Erin came to Sallie Mae through the successful acquisition of Upromise where she led member acquisition marketing for this coalition-based marketing company. A marketing veteran with 20 years of experience in the industry, Erin has always been motivated by the opportunity to enhance the way companies execute their marketing strategies to attract and retain customers. A former two-time luge Olympian (’94 and ’98), Erin is currently President of the Board of Directors of the U.S. Luge Association as well as a member of the U.S. Luge Foundation. She earned her MBA from Babson College’s Franklin W. Olin Graduate School of Business.