Joe Carina

Joe Carina is an experienced Risk Program Manager at Apple Payments Services LLC, with a focus on Apple Pay for Internet Services since May 2021. Previously, Joe served as an Investigations and Surveillance Product Manager at SAS from March 2012 to March 2021, where responsibilities included coordinating with industry leaders to define market requirements and enhance product offerings. Prior to that, Joe held the role of Vice President of North America Fraud Analytics at HSBC Card & Retail Services from August 1990 to May 2012, leading teams in developing loss mitigation strategies. Joe earned a Bachelor of Science in Business Management from the University of Phoenix between January 2003 and January 2007.