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Karine TERRAL is an experienced program manager with a strong background in cybersecurity and payment solutions. Currently working with UL since June 2018, Karine delivers projects and programs related to UL IMS products and solutions for global customers in payment ecosystems. Previously, Karine served as a Cyber Security Program Manager at UL, managing security evaluations for mobile applications. From November 2016 to December 2017, Karine worked at Gemalto as PMO responsible for OEM Pay & HCE solutions, following a lengthy tenure at Gemalto Global Services from July 2000 to May 2016, where Karine held various roles including Program Director and Project Manager, leading mobile payment and personalization solutions. Karine's educational background includes studies at CPGE Lycée Thiers and ISAE-SUPAERO.