Atul Patel is an experienced professional in credit risk management and fraud prevention, currently serving as the Senior Vice President and Head of International Credit Risk & Merchant Fraud at Fiserv. Prior roles include International Head of Credit Risk Management at First Data Corporation, where responsibilities encompassed overseeing regional credit risk strategies as Vice President and Corporate Director for EMEA and APAC. At Global Payments, Atul held the position of Head of Risk Operations, following experience as Senior Credit & Risk Operations Manager. Earlier in the career, Atul served as Commercial Manager for South Asian Banking at HSBC.