Previously, Mr. Koppel served as in-house counsel to Visa International and Visa U.S.A. Inc. for 28 years, the last 15 of which as senior vice president and assistant general counsel, providing counseling in every aspect of the companies' global payment card businesses. In addition to his extensive experience in cards and payment systems, he has significant expertise in online commerce, product development, technology infrastructure, acquisitions, governance and marketing.
Mr. Koppel was involved in a variety of online commerce projects, including payer authentication, security standards, fraud screening and investigations and bill payment technology.
He assisted in the development of the Visa's Gold, Debit, smart (chip), prepaid, corporate and Travel Money cards, development of the PLUS and Interlink networks, the acquisition of the Plus ATM system and the formation of GCPS, a consortium of international banks supporting joint issuance of corporate cards to multinational corporations.
He was involved in the development of VisaNet and Visa Direct Exchange, as well as software development and the establishment of major data centers. He assisted in the implementation of novel equipment such as the initial dial-up authorization terminals and merchant POS processing systems. He worked on the creation of Visa ePay, Visa DPS' debit card issuer processing system, the Visa Distributed Processing System used by Visa Europe and the Visa Information Management system that supports Visa commercial card issuers.
Mr. Koppel counseled on Visa's extensive operating rules as well as the formation of Visa Canada, Vital Processing Services and the reorganization of Visa U.S.A. Inc. He supported Visa's extensive sponsorship activities and advised regarding Visa's consumer advertising campaigns. He negotiated Visa's significant card issuance and co-brand programs with major financial institutions and card acceptance agreements with major merchants.
Additionally, Mr. Koppel served as an attorney in the Appellate Section, Civil Division of the United States Department of Justice in Washington, D.C., presenting over 20 oral arguments on behalf of the government in the Federal Courts of Appeals. Mr. Koppel's experience also includes private practice as an associate in antitrust and other litigation matters.
Mr. Koppel received a B.S. in Economics from the Wharton School of Finance and Commerce of the University of Pennsylvania (cum laude) in 1968, majoring in finance. He attended the London School of Economics for his Junior Year, taking examinations in Social Psychology and Modern Political History. He received a J.D. from Harvard Law School in 1971, where he served as Articles Editor of the Harvard Civil Rights--Civil Liberties Law Review. Mr. Koppel is a member of the State Bar of California and the District of Columbia Bar.
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