Cliff Gray

About Cliff Gray

Gray Consulting is the product of many years of experience within the electronic payments industry; a place where leading edge technology and forward thinking gives rise to ground-breaking solutions. Gray specializes in payment system architecture, transaction interfaces, and data security, and provides critical business and technology analysis and strategies to the processing and acquiring spaces. As a Senior Associate with The Strawhecker Group, Gray provides analysis on technology and infrastructure, industry and banking regulations, security trends, and more, for many of the payment industry\'s largest stakeholders - work that includes Visa\'s GARS programs, The Strawhecker Group being one of a very select group of companies certified by Visa to do so.

Experience

1. Senior Associate

   Tsg

   Nov 2006 — Present · Chicago, IL, US

   Cliff is an expert in electronic payment systems; a leading authority on large-scale, high-performance payment system design, including network infrastructure, platform and software architecture, system security, and industry compliance.Cliff provides payment insight in a number of payment technology arenas, and provides critical risk and threat analysis to acquiring institutions, marrying transaction and identity security models to compliment boarding and underwriting operations. He is most recently focused on invisible authentication models, distributed API architecture, and mobile-platform payment development trends

Education

• Michigan Technological University

  Bachelor of Architecture - BArch, Mechanical Engineering

  1979 — 1980

• Belmont University

  Bachelor of Engineering - BE, Business/Commerce, General

  1988 — 1990

Skills

• Payment Card Processing
• Credit Cards
• Electronic Payments
• Mobile Payments
• Merchant Services
• Pci Dss
• Acquiring
• Payment Systems
• Pos
• E-Commerce
• E-Payments
• Debit Cards
• Transaction Processing
• Payment Industry
• Payments
• Mobile Commerce
• Financial Services
• Payment Gateways
• Loyalty Programs
• Strategic Partnerships
• Executive Management
• Product Management