Kurt Helwig is the President & CEO of EFTA. EFTA is the nation’s leading inter-industry trade association dedicated to the advancement of electronic payment systems and commerce.
Prior to his tenure as President, Mr. Helwig served as Senior Director of Government Relations for EFTA, responsible for analyzing the rapidly changing legislative and regulatory environment facing the electronic payments industry. Before he began his work at EFTA, Mr. Helwig worked on and around Capitol Hill in various government relations and legislative analyst capacities.
Often called to testify before Congress, Mr. Helwig has frequently appeared before the House and Senate Financial Services Committees, and the House Agriculture Committee. Mr. Helwig is a regular advisor to the Executive Agencies including the U.S. Department of Treasury, Federal Reserve Board, General Accountability Office, Federal Deposit Insurance Corporation and the Department of Agriculture on payment systems issues, including prepaid cards, fraud and risk in the payment system, ATM convenience fees, Electronic Benefits Transfer (EBT) programs, and privacy and customer information. He also handles media and public relations for EFTA and is regularly called upon to offer his analysis on various developments in the electronic payments industry. His interviews include Dateline NBC, ABC, NBC, CBS, CNN, FOX News, AARP, the New York Times, as well as industry press.
Mr. Helwig is a graduate of Belmont Abbey College where he received a B.A. in political science, and now serves on its Board of Directors.
Raymond T. Crosier
Chairman
Raymond T. Crosier is president and chief operating officer of Online Resources Corporation. He has day-to-day operating responsibility for Online Resources (NASDAQ: ORCC), a leading provider of web-based financial services to more than 1000 financial institutions, card issuers, creditors and billers and their 13 million end-users. Reporting to the chief executive officer, he manages the Company’s three major operating divisions and its banking technology unit, which are based in Virginia, New Jersey and California.
Mr. Crosier also serves as chairman of the Board of Directors for the Electronic Funds Transfer Association, an inter-industry trade association dedicated to the advancement of electronic payments. Mr. Crosier has more than 25 years of management experience in payment systems, transaction processing and financial services technology. Prior to Online Resources, he spent 18 years at TeleCheck International, Inc., rising through the ranks to become vice president of sales and customer service for the company, now a division of First Data.
Mr. Crosier joined Online Resources in 1996 as senior vice president of sales and also served as executive vice president of client services. He has served as president & COO since 1999. Mr. Crosier is a graduate of the University of Virginia.
Jim Hanisch
Vice Chairman
With more than 35 years experience in financial services, technology, operations, product management, business and strategic planning, and sales and customer service, Jim Hanisch leads the Network’s technology, development and strategic planning division.
Hanisch, an Iowa native, arrived at CO-OP Network in 2000 after serving as Vice President, Application Service Provider Services, for Omaha, Nebraska-based ACI Worldwide. His focus ranged from traditional ATM/POS to e-commerce, wireless commerce, smart card and Internet-based services. He additionally served as Vice President, Product Management and Strategic Planning for USPI, a start-up processing venture funded in part by ACI. Early in his career Hanisch spent two years at ACI, where he was responsible for Base24 product management.
Before USPI, Hanisch spent 11 years at A.O. Smith/Deluxe Data Systems/eFunds (now FIS), holding positions in technology development, product management and general management. During his tenure at Deluxe, he worked closely with CO-OP Network, ultimately leading the business unit responsible for the CO-OP Network relationship.
Hanisch began his career as a management trainee at Norwest Bank (now Wells Fargo) in Des Moines. He held various positions in operations and EFT systems, with expertise in cash management products, on-line teller systems and EFT. He was involved in the formation of several of the early mid-western EFT networks in the 1970s and was the first president of the Diebold TABS Advisory Group.
Hanisch has served or serves on the boards of the Electronic Funds Transfer Association, RewardsNow, Early Warning Services, ResolverGroup and CU ATM Services. He currently lives in Rancho Cucamonga, Calif., with his wife, Barb.
Sandra Hartfield
Treasurer
Sandra Hartfield is President and Chief Executive Officer of the Electronic Banking Division for Palm Desert National Bank (PDNB Electronic Banking Solutions). In 1994, as the Bank’s Chief Financial/Chief Administrative Officer, Ms. Hartfield placed her first off-premise ATM. Quick to recognize the business potential, she began working with Independent Sales Organizations (ISOs) to place terminals, and soon PDNB became one of the first banks to offer vault cash to ISOs for placement in their ATMs. Under Ms. Hartfield’s leadership, Palm Desert has evolved into an industry leader, now offering a full line of electronic banking products, including ATM Vault Cash, ATM Cash Management, Multifunction ATM/Kiosk Management, Network Sponsorship, ACH Services, and Prepaid Stored Value card programs. PDNB currently manages over 17,000 ATMs and Advanced Function terminals and supplies more than $850,000,000 in vault cash. The Electronic Banking Division is the largest in the bank, with offices in Palm Desert and Louisiana.
Ms. Hartfield first came to PDNB in September 1989, bringing with her over eighteen years of banking knowledge and experience. She had been the CFO for various banking organizations, including American Merchant Bank in Orange County, CA and served as a CFO consultant for several other Southern California banks.
Ms. Hartfield is a member of the board of directors of Palm Desert National Bank, is the Chairman of the ATMIA and serves as Treasurer of the EFTA Executive Board.
Llynn B. Bar
Partner, Goodwin Procter
Areas of Practice
Lynne Barr, a partner in Goodwin Procter’s Financial Services Group and chair of its Consumer Financial Services Practice, focuses on banking and financial services law. She advises banks, bank holding companies, brokerage concerns, mortgage companies, trade associations and other entities on general corporate matters, including the operation and offering of their products and services, particularly in the context of federal and state regulation of financial institutions and their activities. Ms. Barr has extensive experience in credit and mortgage lending matters (including licensing, disclosure, documentation, interest rate limitations and credit reporting), fair lending and equal credit opportunity issues, credit and deposit services, electronic banking and Internet services, and insurance products.
Work for Clients
Ms. Barr advises financial institutions on transactions, such as mergers, acquisitions and conversions from mutual to stock form, the operation of payments networks and the offering of debit card, Internet and electronic funds transfer (EFT) services and other products. She conducts contract negotiations for product development, licensing, automated clearinghouse, computer systems and network agreements and represents clients on federal and state legislative and regulatory matters, including privacy.
Professional Activities
Ms. Barr is the Vice-Chair of the American Bar Association’s Section of Business Law and is a member of its Council. She serves as the Editor-in-Chief of The Business Lawyer, the Section’s scholarly journal. Ms. Barr is the former chair of the ABA’s Consumer Financial Services Committee. In addition, she is the former chair of the Financial Holding Company Subcommittee of the ABA’s Banking Law Committee and the ABA’s Consumer Financial Services Subcommittees on Deposit Accounts and Programs.
Ms. Barr is the immediate past President of the American College of Consumer Financial Services Lawyers. In addition, she is a member of the Board of Directors of the Electronic Funds Transfer Association and the Consumer Bankers Association Lawyers Committee. Ms. Barr is also a member of the American Law Institute.
Ms. Barr has been selected for inclusion in Chambers USA: America’s Leading Lawyers for Business and The Best Lawyers in America.
Publications/Presentations
Ms. Barr’s most recent article is “Recent Developments in Data Security Law in the United States” – co-authored with Jacqueline Klosek – which appeared in Volume 5, Issue 5 of Privacy & Data Protection.
Ms. Barr is a frequent speaker on banking and consumer financial services issues for trade association and legal education seminars. She is the author of numerous articles on banking, consumer credit, EFTs and deposit account issues.
Professional Experience
Prior to entering private practice, Ms. Barr was a senior attorney in the Division of Consumer and Community Affairs of the Board of Governors of the Federal Reserve System, where she worked on consumer credit, electronic funds transfer and consumer leasing matters.
She is also a former faculty member of the Boston University Law School Graduate Program in Banking Law.
Bar and Court Admissions
Ms. Barr is admitted to practice in Massachusetts and the District of Columbia.
Honors/Awards
In April 2005, Ms. Barr received the prestigious Jean Allard Glass Cutter Award from the American Bar Association Business Law Section. This award is presented annually to an exceptional woman business lawyer who has made a significant contribution both to the profession and to the Section of Business Law.
Education
J.D., George Washington University, 1975 (with honors)
B.A., George Washington University, 1972
Ms. Barr also attended the University of California at Berkeley.
