Interchange Under Pressure: Strategic Implications for Issuers

Christopher Joy: Chris is a Senior Strategic Consultant with the Advisors Plus credit card practice. He advises financial institutions on a wide range of contemporary issues in the credit card industry. Examples of topics he has addressed with clients include competitive product standing, card program design (including rewards), portfolio acceleration, profitability enhancement, risk management and regulatory compliance. Chris has earned an industry-wide reputation for creating balanced, competitive and effective credit card portfolio solutions for his clients. His decades of experience, coupled with in-depth knowledge of current markets, provide valuable insights when assisting clients in the highly competitive credit card marketplace. Before joining Advisors Plus, Chris served as Vice President at National City Bank (now PNC Bank) with portfolio management, marketing information and financial management responsibilities. He also served as a financial analyst at Bank One (now Chase), helping to create the first credit card securitization and unique credit card loan participation programs. Chris holds a BBA in Business Administration from Ohio University. He is a speaker at industry events, and his writing has been published in several financial institution publications. Chris also served on the faculty of the CUES School of Payments.