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Annmarie Tobin is an experienced Technical Business Analyst currently working at Athora since April 2023 and serving as a Senior Technical Business Analyst at KBC Bank Ireland since September 2022. With a robust background in card scheme compliance and technical analysis, Annmarie previously held positions at AIB as a Senior Card Scheme Business Technical Analyst, focusing on Visa and MasterCard compliance and core platform migration. Annmarie's extensive project experience includes Visa Commercial Tokenization, MasterCard EMV 3DS platform implementation, and SEPA Direct Debit changes. Prior roles included consultancy in card payment processing at Aviso AI and managing card scheme and interchange responsibilities at OmniPay and Elavon, where notable achievements involved designing interchange flows and leading dispute resolution teams. Annmarie’s educational foundation is from Loreto Convent Bray, attended from 1969 to 1982.