Richard holds a B.S. in International Business Administration from San Jose State University in California.
His professional experience spans over 25 years. The first 5 years were spent with Wells Fargo Bank. Another 5 were spent honing his global banking skills, when Richard was intimately involved with International Trade Finance, Real Time Gross Settlement and Cross Border Banking. Richard then repositioned into the private and high-tech sectors providing high-level consulting services, business analysis, project management and training to a wide range of banking clientele across the globe.
Richard also served as an external consultant to the Bank of Israel in the reform of the Israeli payment systems which included two projects; the introduction of that country’s ZAHAV Real Time Gross Settlement payment system and the inclusion of the Israeli Shekel in the international Continuous Linked Settlement (CLS) system.
He has spent extensive time servicing a diversity of “financial institutional” clients, in China, Singapore, Hong Kong, Philippines, Korea, Malawi, Ghana, Nigeria, Kenya, South Africa, Poland, Sweden, Ireland, Netherlands, Greece, United Kingdom, Norway, Bermuda, and across North America. Clients that Richard has trained & consulted to include with such notable firms as AIB Bank, Eurobank, ABSA Bank, CitiBank, Swedbank, IBM, Montran and Fundtech, as well as many others.
Richard has also filled the role of advisor to central banks on payment systems and technical payments issues. Furthermore, key staff members from the Bank of England, South African Reserve Bank, Central Bank of Ireland, Bank Indonesia, European Central Bank, Norgesbank, Central Bank of Kenya, Central Bank of Tanzania, and Bank of Portugal have attended training sessions presented by Richard.
Principal Associate : Citadel Advantage Ltd. - 
External Advisor : Bank of Israel - 
BSci, Business Administration : San Jose State University