Peter is located in the San Francisco office. He combines experience as a strategy consultant for Edgar, Dunn & Company in Europe with extensive hands-on experience as a senior executive in the payment industry. He has managed the turnaround/restructuring and sale of financial businesses as well as the design and implementation of country, product and regional strategies.

At EDC Peter has worked with banks, payment schemes and start-ups in the US and Europe around Faster Payments and Payments Innovation Strategy. He has advised on the creation of a cross border JV in commercial cards, assisted start-ups in finding potential investors and advised on business models and go-to-market strategy.

Before re-joining EDC in San Francisco Peter worked for MasterCard International, London, as Head of Strategy Europe where he was responsible for building out European and country strategy to inform investment decisions, building competitor intelligence and for creating/managing the European M&A target identification process. Before relocating to London, he was Managing Director for MasterCard’s German market operations

Prior to this, Peter managed the credit card business of Royal Bank of Scotland in Germany and acquired deep retail banking experience as CEO of Santander Direkt Bank. Before entering the consumer space Peter worked as an international commercial and wholesale banker in London, Singapore, Zurich and Paris in diverse management roles in sales, product management, wholesale payments, treasury and trade finance.

Peter holds a BA + MA from Durham University in Political Science and a Diploma in Finance from the Institute of Bankers, London

Ian analyzes the complex and quickly developing transformational changes affecting retail financial services, assesses their impact to the banking and payments ecosystem, and communicates this information to ACI’s strategic clients through the development of business models, value propositions, and thought leadership. Ian is highly engaged with strategic client development and product strategy.

Among the topics he studies are omnichannel banking, immediate payments, mobile payments, card fraud controls, and cyber-currencies. Within his portfolio of responsibilities, Ian represents ACI on the Federal Reserve Bank’s Faster Payments Task Force, and on NACHA’s Payments Innovation Alliance.

Ian has presented at senior-level industry events such as Sibos and NACHA Faster Payments Imperative event, positioning ACI as a progressive software provider delivering innovative solutions. He is the author of the ACI blog “My Inside View,” sharing opinions and observations across global payments.

Before joining ACI in 2014, Ian worked for several market analyst and consulting firms, including TowerGroup, IDC Financial Insights, and Mercator Advisory Group, where he established and directed its strategic consulting organization. He has a Bachelor of Arts degree from Brandeis University and an MBA from Columbia Business School. Ian serves as a board member for several civic, community, and social service organizations, but prioritizes trying to keep pace with his three teenage daughters.

Steve Ledford is a well-known and highly regarded thought leader in the payments industry. At The Clearing House, he works with payments leaders on strategic issues facing our banks today and leads initiatives to address them, such as real-time payments.

Mr. Ledford has advised leading banks, financial services firms and payment organizations in the U.S. and globally for more than 30 years. His work has focused on payments, advising clients on business strategy, product development, IT and infrastructure planning, operations and the deployment of new payment systems.

Prior to joining The Clearing House, Mr. Ledford was a partner with Novantas, a financial services consulting firm. Before that he was a leader in McKinsey’s global payments practice, and was President of Global Concepts, a consulting and research firm specializing in payments and cash management.

Mr. Ledford is a graduate of Wofford College with a BA in Economics.