Michael Miebach is the chief product & innovation officer of Mastercard and a member of the company's management committee. He leads the Products and Innovation organization, exploring new technology and trends with a customer-centric mindset to develop and deliver the best experiences with the highest levels of safety and security. Within Michael's organization sits consumer credit and debit, commercial, prepaid, acceptance, real-time payment, and processing solutions in both the digital and physical worlds. He also has oversight of Mastercard Labs, customer design and experience, and processing activities. Michael brings a wealth of insights and global experience from a career in payments and retail banking. Over the past 25 years, he has driven customer-focused innovation and deliver physical and digital solutions that provide more than just a transaction. He previously headed Mastercard operations across the Middle East and Africa, and held senior roles at both Barclays Bank and Citibank across Europe, Africa and the Middle East. He is a member of the board of directors for the nonprofit Accion, which provides Michael an opportunity to further pursue his passion of bringing more people greater opportunities in the formal economy. In 2017, Michael joined the advisory board of the Ronald McDonald House New York, a global charity that provides vital resources and compassionate care to children and their families being served by leading hospitals worldwide. Michael holds a Master of Business Administration from the University of Passau in Germany and lives in New York.