Carlos is a seasoned Payment Executive with 25+ years of industry experience. He joined ACI some 4 years ago and currently leads the Global Merchant Partnership team. Prior to ACI, Carlos worked at American Express, Fiserv, and Citi where held multiple leaderships positions across both the issuing and acquiring businesses'. A New England native, Carlos currently resides with his wife of 34 years in Nashville, Tennessee. He has two grown daughters, is an avid sports fan, enjoys traveling, collecting wine and playing golf when time permits.