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Marcos Gelfi is an accomplished executive with extensive experience in commercial products and fraud management, currently serving as Vice President and Global Head of Commercial Fraud/Dispute Products & Cardholder Solutions at Discover Financial Services since July 2014. Previously, Marcos held key roles at MasterCard, where responsibilities included commercial products development and strategy in Latin America, and American Express, where leadership in commercial card expansion across the Latin America and Caribbean region was a focus. Early career experience includes a marketing specialist position at Itaú Unibanco, enhancing product cross-selling initiatives. Marcos possesses advanced degrees from prestigious institutions, including an MBA in Marketing from ESPM and various executive programs at the Massachusetts Institute of Technology and the University of California, Berkeley.