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Karthik Ramanathan is an accomplished finance and banking professional with extensive experience in the credit card and financial services industry. Currently serving as Senior Vice President of Cyber and Intelligence Solutions for Asia Pacific at Mastercard since February 2015, Karthik drives a diverse array of products and solutions focused on Authentication, Fraud scoring, Dispute Management, and more. Prior to Mastercard, Karthik held various leadership roles at Standard Chartered Bank, including Retail Products and Segments Head, and served as Vice President at Fullerton Financial Holdings and Citibank. Karthik began a career at Citibank in India, where responsibilities included CFO and Business Planning Head for Credit Cards. Karthik holds an MBA in Finance and Marketing from XLRI Jamshedpur and a Bachelor of Commerce from Loyola College, Chennai.