American Express
Michael Czarnecki serves as the Senior Director of Cyber Security Risk Oversight & AI at American Express, where oversight of second-line cybersecurity risk governance includes the development of a unified control taxonomy aligned with NIST 800-53, ISO 27001, and internal policies. As an Independent Consultant, Michael provides fractional CISO services to startups and growth-stage companies, focusing on cybersecurity program development and risk governance. Prior experience includes serving as the Director of Security Engineering and Operations at Capital One, where integration of Splunk SIEM and MITRE ATT&CK was achieved, and as Senior Manager of Cyber Security at both Norges Bank Investment Management and the U.S. Department of Veterans Affairs, where significant improvements in operational efficiency and audit success were realized. Michael holds a Master's degree in Cyber Security from the University of Maryland Global Campus and a Credential of Digital Innovation and Strategy from Harvard Business School Online.
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American Express
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American Express is an integrated payments company. They provide credit and charge cards to consumers, small businesses, mid-sized companies, and large corporations. Additionally, they offer products and insights to aid in business success. They are one of the largest financial services corporations in the world. As a global business, they cater to various customer groups through mobile and online applications, affiliate marketing, customer referral programs, third-party serve providers, business partners, direct mail, telephone, in-house sales, and direct response advertising. Their customers consist of consumers, travelers, businesses, merchants, and partners. With each customer, American Express works to amplify the power of every transaction. Their global headquarters is based in NYC, however, they operate in over 110 countries with 55 total office locations worldwide. They estimate around 60,000 colleagues are stationed around the world. American Express primarily engages in three operating segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. They function together through their Integrated Payments Platform. Their Integrated Payments Platform allows American Express to analyze information on Card Member spending and build analytical tools to underwrite risk, reduce fraud, and provide targeted marketing for merchants. Their card-issuing business offers a broad set of card products to a diverse consumer and commercial customer base. Their merchant-acquiring business builds and manages relationships with merchants that choose American Express cards. This includes signing new merchants to accept their cards and handling servicing for merchants. Lastly, their Card Network Business establishes and maintains relationships in 103 countries with third-party banks to extend the reach of their global network.