Michael Vapenik

Former Head of Risk Governance and Control - Cards and Payments


An accomplished, results-focused executive, Mike has an outstanding record of achievement crossing all facets of the risk and marketing lifecycles for consumer / commercial cards and merchants within the payments industry.  A strategic and operational leader with exceptional analytical and quantitative skills, Mike’s talent for identifying business opportunities, leading initiatives and managing change at the congruence of data, analytics, technology, people and business processes has been acknowledged year over year.  Mike has repeatedly been cited for outstanding service and is the recipient of numerous awards both early in his career in the public sector as well those received during his 20+ years in the financial services industry.  Mike has a track record of driving innovation both in opportunities to grow company profits, as well as strengthening corporate governance and has filed for three patents (one issued, two pending).