Our Team of Advisors


Brendan Doyle - CMSPI - Chairman   Brendan founded CMSPI in 1991 after identifying a gap in the market for a truly independent merchant-centric payments consultancy. Since then, Brendan has worked with many of the world’s largest merchants and become a thought leader in the payments industry.  Brendan has led numerous campaigns on behalf of the merchant community including: calling for a reduction of the barriers to entry into the payments systems industry, the appointment of a UK Payments Regulator and petitioning for a reduction in interchange fees.  Brendan is a regular guest speaker at a number of payments conferences and is frequently asked to contribute to various industry and national media publications.

Brendan Doyle - CMSPI - Chairman

Brendan founded CMSPI in 1991 after identifying a gap in the market for a truly independent merchant-centric payments consultancy. Since then, Brendan has worked with many of the world’s largest merchants and become a thought leader in the payments industry.

Brendan has led numerous campaigns on behalf of the merchant community including: calling for a reduction of the barriers to entry into the payments systems industry, the appointment of a UK Payments Regulator and petitioning for a reduction in interchange fees.

Brendan is a regular guest speaker at a number of payments conferences and is frequently asked to contribute to various industry and national media publications.

Mark Horwedel - Merchant Advisory Group (MAG)   Mark Horwedel is a 40 year payments veteran having spent 20 years with 3 different regional debit networks (18 as CEO). Mark spent 10 years working in banks and credit unions and more recently 5 years at Walmart as Director of Payments.  He has served as CEO of the Merchant Advisory Group, a unique merchant trade association focused on payments, for the last 6 years. The MAG’s membership consists of 97 of the largest merchants in the US. Sponsors include all of the payments networks as well as 8 of the largest merchant acquirers. Mark frequently represents the MAG at payment industry events where he is a frequent speaker and panelist.

Mark Horwedel - Merchant Advisory Group (MAG)

Mark Horwedel is a 40 year payments veteran having spent 20 years with 3 different regional debit networks (18 as CEO). Mark spent 10 years working in banks and credit unions and more recently 5 years at Walmart as Director of Payments.

He has served as CEO of the Merchant Advisory Group, a unique merchant trade association focused on payments, for the last 6 years. The MAG’s membership consists of 97 of the largest merchants in the US. Sponsors include all of the payments networks as well as 8 of the largest merchant acquirers. Mark frequently represents the MAG at payment industry events where he is a frequent speaker and panelist.

Peter Robinson - Eurocommerce     
  
  
   
   
   
   
   
   
   
   
   
   
   
   
  
  
  
  
  
  
  Peter Robinson worked within Dixons Carphone plc for 26 years initially as Retail Controller within their financial operations division with responsibility for a team of 60 covering Store Bankings, Data Integrity, Store Administration, Sales Ledger and their Collections department before moving on in 2005 to become their Commercial Manager for Payments and part of the Group Treasury team.  He is recognised as a subject matter expert in the field of payment processing and has specialist financial knowledge and extensive experience within the payments sector, retail operations & store administration.

Peter Robinson - Eurocommerce

Peter Robinson worked within Dixons Carphone plc for 26 years initially as Retail Controller within their financial operations division with responsibility for a team of 60 covering Store Bankings, Data Integrity, Store Administration, Sales Ledger and their Collections department before moving on in 2005 to become their Commercial Manager for Payments and part of the Group Treasury team.

He is recognised as a subject matter expert in the field of payment processing and has specialist financial knowledge and extensive experience within the payments sector, retail operations & store administration.

 
Mark Falcon - Zephyre Consulting   Mark’s career has spanned industry, the public sector and consulting.  Mark was the first Executive Director for Regulatory Policy & Strategy at the Payment Systems Regulator. He was Head of Economic Regulation at Three, the mobile operator, part of CK Hutchison, the largest foreign investor in the UK.  He helped to create Frontier Economics, Europe’s leading economic consultancy, and establish Frontier’s financial services practice. Mark is also a Specialist Adviser to the House of Commons Treasury Committee.

Mark Falcon - Zephyre Consulting

Mark’s career has spanned industry, the public sector and consulting.

Mark was the first Executive Director for Regulatory Policy & Strategy at the Payment Systems Regulator. He was Head of Economic Regulation at Three, the mobile operator, part of CK Hutchison, the largest foreign investor in the UK.

He helped to create Frontier Economics, Europe’s leading economic consultancy, and establish Frontier’s financial services practice. Mark is also a Specialist Adviser to the House of Commons Treasury Committee.

Dhun Karai - Grant Thornton, Australia   Dhun has over 25 years’ experience in senior executive financial roles at the Commonwealth Bank of Australia, Credit Union Services and Woolworths Ltd.  At CBA, Dhun’s last role was Chief Manager Personal Markets with responsibility for all consumer products and services.  At Woolworths, Dhun was responsible for establishing its Cards & Payments strategy and its direct-to-issuer cards processing, retail payments innovation and driving regulatory changes for the merchant community.  Currently Dhun leads a merchants-focussed Payments Advisory practice at Grant Thornton Australia, assisting Australian/NZ merchants with payment strategic plans, regulatory and legislative changes, enterprise end-to-end costs and technology reviews, digital/mobile  payments, and negotiations with banks, specialist gateways and acquirers.

Dhun Karai - Grant Thornton, Australia

Dhun has over 25 years’ experience in senior executive financial roles at the Commonwealth Bank of Australia, Credit Union Services and Woolworths Ltd.

At CBA, Dhun’s last role was Chief Manager Personal Markets with responsibility for all consumer products and services.  At Woolworths, Dhun was responsible for establishing its Cards & Payments strategy and its direct-to-issuer cards processing, retail payments innovation and driving regulatory changes for the merchant community.

Currently Dhun leads a merchants-focussed Payments Advisory practice at Grant Thornton Australia, assisting Australian/NZ merchants with payment strategic plans, regulatory and legislative changes, enterprise end-to-end costs and technology reviews, digital/mobile  payments, and negotiations with banks, specialist gateways and acquirers.

Beth Provenzano - Merchant Advisory Group (MAG)   Beth Provenzano is vice president for public affairs at the Merchant Advisory Group.  In this role, Provenzano serves as the MAG’s spokesperson; directs communications strategy and outreach to the media; and leads advocacy efforts with policymakers and regulators.  Prior to joining the MAG, Provenzano was vice president of government relations and political affairs at the National Retail Federation, lobbying on financial services, technology and intellectual property issues before Congress and the Administration, as well as directing advocacy and political engagement with Members of Congress and staff. Previously she served as deputy chief of staff for the Office of the Secretary of the Senate, handling a variety of duties including serving as spokeswoman for the office, preparing testimony and organizing Senate leadership events. Provenzano spent a number of years on Capitol Hill, serving in the offices of former Senator John D. Rockefeller IV, D-W.Va., and former Senator Bob Graham, D-Fla.

Beth Provenzano - Merchant Advisory Group (MAG)

Beth Provenzano is vice president for public affairs at the Merchant Advisory Group.  In this role, Provenzano serves as the MAG’s spokesperson; directs communications strategy and outreach to the media; and leads advocacy efforts with policymakers and regulators.

Prior to joining the MAG, Provenzano was vice president of government relations and political affairs at the National Retail Federation, lobbying on financial services, technology and intellectual property issues before Congress and the Administration, as well as directing advocacy and political engagement with Members of Congress and staff. Previously she served as deputy chief of staff for the Office of the Secretary of the Senate, handling a variety of duties including serving as spokeswoman for the office, preparing testimony and organizing Senate leadership events. Provenzano spent a number of years on Capitol Hill, serving in the offices of former Senator John D. Rockefeller IV, D-W.Va., and former Senator Bob Graham, D-Fla.

 
Steve Mott - BetterBuyDesign   Steve Mott has worked in and consulted to the electronic payments and security industries for more than two-and-a-half decades. Steve also held the position of Mastercard’s first eCommerce executive, as President of one of the fastest growing internet start-ups (until Google), and as an advisor and analyst/subject-matter-expert on various mobile initiatives involving banks, technology providers, networks, merchants, processors and the Federal Reserve.

Steve Mott - BetterBuyDesign

Steve Mott has worked in and consulted to the electronic payments and security industries for more than two-and-a-half decades. Steve also held the position of Mastercard’s first eCommerce executive, as President of one of the fastest growing internet start-ups (until Google), and as an advisor and analyst/subject-matter-expert on various mobile initiatives involving banks, technology providers, networks, merchants, processors and the Federal Reserve.

Jean Allix - BEUC   Mr. Jean Allix (69) has been appointed Special Advisor to BEUC in September 2016. He is dealing with both financial services and competition issues.  BEUC represents 43 independent national consumer associations from 31 European countries. BEUC acts as the umbrella group in Brussels for its members and its main task is to represent them at European level and defend the interests of all Europe’s consumers  Before joining the European Commission, Mr Allix had worked for a consumer association and for the French competition authority. He has been dealing with payment issues since 1987.  Mr. Allix holds a DEA in Economics (Paris X University 1975) and is graduated from the Ecole Nationale de la Concurrence.

Jean Allix - BEUC

Mr. Jean Allix (69) has been appointed Special Advisor to BEUC in September 2016. He is dealing with both financial services and competition issues.

BEUC represents 43 independent national consumer associations from 31 European countries. BEUC acts as the umbrella group in Brussels for its members and its main task is to represent them at European level and defend the interests of all Europe’s consumers

Before joining the European Commission, Mr Allix had worked for a consumer association and for the French competition authority. He has been dealing with payment issues since 1987.  Mr. Allix holds a DEA in Economics (Paris X University 1975) and is graduated from the Ecole Nationale de la Concurrence.

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Karl Littler - Retail Council of Canada

Karl is Vice-President, Public Affairs for the Retail Council of Canada, advocating the interests and views of Canada’s retail merchants. Areas of focus include trade, taxation, payments, retirement and income security at the federal level, along with a broad array of issues at the provincial level, Canada-wide, notably on employment-related issues, taxation, infrastructure and product safety.

Mr. Littler serves on the Finance Canada Payments Consultative Committee (FinPay) and as a federal appointee to the Stakeholder Advisory Committee of Payments Canada (formerly the Canadian Payments Association) and is regularly consulted on legislative and regulatory initiatives by federal and provincial governments.

 
Jeffrey Shinder - Constantine Cannon   Jeffrey I. Shinder is the Managing Partner of Constantine Cannon’s New York office.  Mr. Shinder specializes in antitrust counseling and litigation, and has expertise in numerous industries, including payment systems, banking, high technology, energy, airlines, telecommunications, standard setting, health care, pharmaceuticals, sports, retail and utilities.  In the payments realm he has represented networks, merchants, technology and engineering firms, and hardware suppliers, providing them litigation and consulting services.  Mr. Shinder’s antitrust expertise is widely recognized as he has acted as Special Counsel to the U.S. Federal Trade Commission, delivered speeches and lectures on antitrust issues for both domestic and international audiences and has worked on numerous high profile antitrust cases.

Jeffrey Shinder - Constantine Cannon

Jeffrey I. Shinder is the Managing Partner of Constantine Cannon’s New York office.  Mr. Shinder specializes in antitrust counseling and litigation, and has expertise in numerous industries, including payment systems, banking, high technology, energy, airlines, telecommunications, standard setting, health care, pharmaceuticals, sports, retail and utilities.  In the payments realm he has represented networks, merchants, technology and engineering firms, and hardware suppliers, providing them litigation and consulting services.  Mr. Shinder’s antitrust expertise is widely recognized as he has acted as Special Counsel to the U.S. Federal Trade Commission, delivered speeches and lectures on antitrust issues for both domestic and international audiences and has worked on numerous high profile antitrust cases.

Andrew Cregan - British Retail Consortium   Andrew is the Head of Payments for the British Retail Consortium. He coordinates industry engagement with Government, regulators and providers on matters relating to retail payments and consumer credit, and acts as a spokesperson for the industry. He has led the industry response to the IFR, PSD2 and domestic initiatives, including the Payments Strategy. He has also supported HM Treasury and Bank of England projects for the roll-out of the new notes and coins.  Before joining the BRC in summer 2016, he led public affairs and stakeholder engagement for The UK Cards Association and Financial Fraud Action UK, working on the Interchange Fee Regulation and contactless for transit among other projects. He began his career in the European Parliament working for two MEPs and then as a consultant at the global PR and public affairs firm Burson-Marsteller, advising clients in across a range of sectors including banking.

Andrew Cregan - British Retail Consortium

Andrew is the Head of Payments for the British Retail Consortium. He coordinates industry engagement with Government, regulators and providers on matters relating to retail payments and consumer credit, and acts as a spokesperson for the industry. He has led the industry response to the IFR, PSD2 and domestic initiatives, including the Payments Strategy. He has also supported HM Treasury and Bank of England projects for the roll-out of the new notes and coins.

Before joining the BRC in summer 2016, he led public affairs and stakeholder engagement for The UK Cards Association and Financial Fraud Action UK, working on the Interchange Fee Regulation and contactless for transit among other projects. He began his career in the European Parliament working for two MEPs and then as a consultant at the global PR and public affairs firm Burson-Marsteller, advising clients in across a range of sectors including banking.

Rob Roylance - Consultant   Rob has over 20 years experience in payments consulting worldwide with a focus on retailers, merchants, government and acquiring. He has a track record of delivering results for clients focussed on improving their customer offer and boosting profitability. Rob has delivered projects for clients in North America, Europe and Asia.  He holds a Bachelor of Applied Science degree from Monash University.  Rob has a consultative & transparent style and works well as a member of client teams on project delivery and stakeholder engagement.   

Rob Roylance - Consultant

Rob has over 20 years experience in payments consulting worldwide with a focus on retailers, merchants, government and acquiring. He has a track record of delivering results for clients focussed on improving their customer offer and boosting profitability. Rob has delivered projects for clients in North America, Europe and Asia.  He holds a Bachelor of Applied Science degree from Monash University.

Rob has a consultative & transparent style and works well as a member of client teams on project delivery and stakeholder engagement.