Jeff Stapleton has 30 plus years’ experience in the financial services industry with 25 years as a security professional involved in developing ANSI and ISO security standards including payments, cryptography, key management, public key infrastructures (PKI) and biometrics. He has also been the X9F4 Cybersecurity and Cryptographic Solutions workgroup chair for over 20 years. Jeff earned his bachelor’s and master’s degrees in Computer Science from the Universities of Missouri in St. Louis (UMSL) and Rolla (UMR) and has taught Information Security at Washington University in St. Louis (WUSTL) and the University of Texas in San Antonio (UTSA). He has conducted security assessments of payment networks, financial institutions, and assisted in developing secure payment systems. He has authored dozens of ISSA Journal articles, IEEE papers, and chapters in various books, including his own 3 book series Security without Obscurity, which is available from CRC Press.