Board Members


Silvio Tavares

President and Founding Chief Executive Officer


Silvio Tavares is an experienced CEO, senior executive and thought leader with over 15 years of experience in the digital commerce and payments industry. Mr. Tavares is President and CEO of The CardLinx Association, a leading global trade association for the payments and digital advertising industries. CardLinx founding members include MasterCard, Discover, First Data, Facebook and Microsoft among others.

He was previously SVP and Global Head of Information Products at Visa Inc. where he led a business unit generating several hundred million dollars in annual sales and successfully launched key new industry leading products in the areas of payment fraud detection, digital marketing and merchant loyalty. Mr. Tavares joined Visa from First Data, where he was Senior Vice President and Global Head of Information and Analytics. At First Data, he patented and launched First Data’s U.S. macro-economic spending indicator. He began his career at AT&T where he authored one of the earliest business method patents for web-based payments. He has authored over fifteen granted or pending patents in the fields of digital commerce, electronic payments and payments analytics.

Mr. Tavares earned a Juris Doctor degree from the Boston University School of Law (Oxford University Program), an MBA from Boston College and a Bachelor of Science Degree in Electrical and Computer Engineering from Tufts University.


Neal Bernstein

Senior Director, Microsoft


Neal is the General Manager of Microsoft Earn. he leads Microsoft’s card linking initiatives and leads new initiatives to increase consumer engagement and monetization.  Prior to this role, Neal was Chief of Staff for a number of Microsoft initiatives including Bing Local, Bing Mobile, Bing Maps, MSN, and Local Ad products.

Prior to Microsoft, Neal was a pioneer in the voice recognition industry. He launched IBM’s voice recognition products, he founded two companies that commercialized voice self-service, and for Microsoft he created the industry’s first voice search service. 


Jon Carder

CEO, Empyr


Jon Carder is CEO and Co-founder of Empyr, an innovative online-to-offline commerce platform providing a frictionless approach to monetizing online consumers in the offline world.

Carder is a serial entrepreneur who has been nominated for Ernst & Young’s Entrepreneur of the Year award three separate times and was previously named San Diego’s Most Influential Tech Executive. He has successfully created several multi-million Internet businesses, including card-linked offer company, Mogl, which was named Most Innovative Tech Company in San Diego. Carder also founded MojoPages, a local search engine that helps people find the best local businesses. Some of the nation’s largest media companies are using MojoPages technology including Hearst, CBS, FOX and ClearChannel.


Bryon Cook

President and COO, Empyr


Prior to Empyr, Bryon was previously the Chief Data and Analytics Officer at Lytx, Inc, where he led the organization’s advanced analytics strategy, business intelligence, and algorithm development to support driving safety and autonomous vehicle driving. Bryon held various senior executive positions while at Lytx ranging from product management, quality, operations and manufacturing management, and has led several engineering and development teams. Prior to Lytx, he led product management, marketing and quality teams at Mitchell International, developing technology to the insurance space for efficient processing of automobile physical damage and bodily injury claims. Bryon received an MBA and a Bachelor of Science in Business Administration from Washington University in St. Louis. He holds multiple patents in driving safety processes and algorithms and is a certified Big Data analytics developer.


Paul Dattilo

Vice President Product, First Data


Paul is a seasoned product and marketing executive with over 20 years of experience in payments and technology. Paul manages data analytics products at First Data, a global leader in commerce enabling solutions. His responsibilities include overseeing First Data’s advertising analytics services, SpendTrend branded products, and various merchant analytics offerings. Prior to his current role, Paul headed digital and e–commerce products for First Data’s Gift Solutions business. Paul is a graduate of the University of California, Los Angeles and earned his MBA from the University of California, Berkeley.


Jasma Ghai

Vice President, Emerging Payments Innovation, Discover


Jasma is responsible for the strategy, design and delivery of consumer and commercial products that position Discover to continue to be a leading payments partner. She is also responsible for international product strategy to better serve the needs of Discover’s Network Alliance and Diners Club franchise partners. Prior to her current role, she led the Innovation Office for the Discover Network. Jasma received a M.S. in Statistics from Michigan State University and attended the Kellogg Executive Leadership Program on leading transformation in the digital age. She is on the Chicago Chapter Board of Governors for American India Foundation and a Junior Achievement volunteer.


David Kristal

Founder and CEO, Augeo


David is the founder and CEO of Augeo, and Co-Chairs the company with Juan. He leads Augeo’s new ideas origination efforts and drives the parallel strategic and technological innovations. In his role, David is active in all aspects of the firm’s activities. He is a graduate of the University of Minnesota’s Carlson School of Management, and Stanford University’s School of Law. He began his career at the law firm of Winthrop & Weinstine, PA. David is very active in philanthropic activities and serves as a voluntary member on a number of boards. He also actively participates in early stage commercial efforts, from time to time serving on their boards or supporting these ventures through Augeo.


Ricardo Leite

Vice President, Head of Innovation, Products, and Merchants Partnerships – Discover Financial Services,


Ricardo is an experienced Financial Services Industry professional (B2B/B2C) with more than 25 years working for large, multinational organizations in the areas of payments (network, issuing, and acquiring), product development, corporate strategy, business management and development, and client relationship management.

Prior to leading Discover’s Innovation, Products and Merchant Partnerships organization, Ricardo led Discover’s Global Acquiring group for two and half years and served as the Head of Global Commercial Payments for Diners Club International for over a year. Current and past employer list includes: Discover Financial Services/Diners Club International (Chicago, IL; 3.5 years), American Express (NY, USA and Sao Paulo, BR; 7 years), MasterCard International (US/New York and São Paulo, Brazil; 5 years), Visa USA (US, McLean, VA; 1 year), Deloitte & Touche Consulting Group (US, New York, NY; 5 years), e American Management Systems (US, Fairfax, VA; 3 years).

Ricardo was born in Sao Paulo, Brazil and has lived in the United States for more than 20 years. He holds a B.S. degree in MIS and Decision Sciences from George Mason University and M.B.A. from the DARDEN Business School at the University of Virginia.


Brandon Logsdon

Excentus Corp, a PDI company


Brandon is President of PDI’s Engagement & Loyalty business, Excentus.  With over 16 years of experience at Excentus, Brandon has been the driving force behind emerging and developing cents-per-gallon discounts into a coveted rewards currency, creating the Fuel Rewards program – a first-of-kind, nationwide coalition loyalty program, as well as delivering robust loyalty solutions for the convenience retail, consumer packaged goods, and grocery industries.  Prior to joining Excentus in 2002, Brandon worked at, JPMorgan Chase, e-commerce start-up iChoose, and he also co-founded a strategy consultancy, Bloomin’ Partners Inc., providing strategic sales and business development services for venture and private equity backed companies.

Brandon holds a BA in Finance and Marketing from Texas Christian University and is a board member for the North Texas chapter of the Folds of Honor foundation.  He and his wife are proud parents of three children. 


Kirsty Rankin

SVP, Global Group Head, MasterCard Loyalty


Kirsty Rankin is Senior Vice President and Global Group Head of MasterCard’s Loyalty Solutions. In this global role, she is responsible for the strategy, design and management of innovative loyalty value propositions for the merchant community. MasterCard is committed to providing tailored, leading edge loyalty solutions that help businesses drive greater engagement and create longer term more profitable customers.

Kirsty brings a wealth of loyalty knowledge and expertise having been the Co-CEO of Pinpoint Pty Ltd, one of Asia Pacific’s leading loyalty and marketing service companies with offices in Australia, China, Singapore, Hong Kong, India, Japan and Taiwan. During her 20+ year tenure at Pinpoint, Kirsty was instrumental in the growth of the company to over 500 employees where she developed highly successful, award winning loyalty and marketing programs across a broad range of industry verticals including financial services, retail, travel and entertainment. Pinpoint was acquired by MasterCard in July 2014.

Prior to Pinpoint, Kirsty worked at Qantas and American Express.

Kirsty holds a Bachelor of Commerce from the University of New South Wales where she was a University Medallist. In Australia, she was a board member of ADMA, the leading marketing and advertising association and an advisory board member for Visit California.


Paul Siegfried

Senior Vice President Financial Services, Transunion


Paul joined TransUnion in 2015 as the leader of the TransUnion’s Card organization, including both Market Strategy and Market Development. Transunion would become the first data platform to be represented on The CardLinx Association board of directors. Pauls teams at Transunion gather client needs, collect market intelligence and deliver thought leadership and solutions to the market.

Prior to joining TransUnion, Paul spent 12 years at Fifth Third Bank as Director of the Credit Card lines of business. Key contributions over the last decade include developing and leading the strategy resulting in ten-fold growth of the business to $2.6B in assets. A major component driving growth of profitability has been the ability to leverage the knowledge and manpower of key strategic partners such as TransUnion, MasterCard, Argus, Zoot, Vantiv and TSYS. Additionally, Paul was responsible for Fifth Third Student Lending from 2012–2014 and the associated partnership with Sallie Mae.

Paul spent 1996-2003 with Visa Sales and departed as the Midwest Regional Manager.


Jonathan Silver

President and CEO


Jonathan brings over 25 years of executive experience to the marketing technology space, including his work at McKinsey & Company for clients like 3M and Honeywell, and developing affinity programs geared to consumer life stage and lifestyle segments.

Jonathan founded Affinity Solutions, the leading provider of card-linked offers and transaction-informed marketing solutions, where he now presides as President and CEO. Affinity partners with over 4,000 financial institutions and leverages proprietary analytics, applied to a range of customer data in a privacy-controlled environment to drive behavior for its retailer and bank clients.

In addition, Affinity’s Coupon-on-a-Card technology offers a highly differentiated, real-time customer experience that’s fundamentally changing the way card-linked offers are delivered in the marketplace. Lastly, the company provides a gateway service for retailers looking to distribute their offers in a variety of different publishing environments, with access to over 200 million customers.

Jonathan is a graduate of the Wharton School of Business and the University of Pennsylvania’s School of Engineering and Applied Science, and briefly attended Harvard Business School.


Dev Subrata

CEO and Founder, Fidel


Dev is the founder and CEO of Fidel based in London, UK. Fidel is a leading API platform for card-Linking and would become the first European company represented on The CardLinx Association board of directors. Fidel makes it easy for developers to build applications that receive real-time payment events directly from transactions made by payment cards, both online and offline. Fidel API currently supports Visa and MC only, with customers like British Airways, Gap, Subway, Burger King already plugged in. Prior to Fidel, Dev has been active in a variety of start-ups ranging from e-commerce to social networking including founding Badoo. He is a graduate of the Queen Mary University in London.


Mladen Vladic

General Manager of Loyalty Division, FIS


Mladen Vladic is the General Manager of Loyalty division within FIS, the world’s largest provider of retail payments and banking technologies.

Mladen specializes in banking and retail loyalty solutions as well as emerging payment trends. Under his leadership, FIS Loyalty division has been focused on convergence between banking and retail loyalty space to deliver relevant, real time point-of-sale consumer engagement opportunities and coalitions. Those efforts received five industry recognitions in the last two years including POS Innovation Award and Pay Before’s Outstanding Loyalty Program.

Mr. Vladic earned a Bachelor’s degree in Business from University of Pristina, Serbia and Master’s degree in Business Economics from University of South Florida.


Erin Warren

General Manager, Rakuten Card Linked Offer Network


Erin Warren serves as the senior vice president of marketing at Cartera Commerce, a leading provider of loyalty marketing solutions and rewards programs that increase revenue and customer loyalty. Last year, Cartera Commerce was acquired by Ebates/Rakuten, and Erin, along with Cartera’s executive team, has led the successful transition to strengthen loyalty marketing solutions for its customers. As part of the integration of Cartera into Ebates/Rakuten, Erin is now also heading up the Rakuten Card Linked Offer Network for Rakuten. Before coming to Cartera, Erin was CMO at CollegeWeekLive (an edtech start-up) and VP of Channel Marketing for Sallie Mae. Erin came to Sallie Mae through the successful acquisition of Upromise where she led member acquisition marketing for this coalition-based marketing company. A marketing veteran with 20 years of experience in the industry, Erin has always been motivated by the opportunity to enhance the way companies execute their marketing strategies to attract and retain customers. A former two-time luge Olympian (’94 and ’98), Erin is currently President of the Board of Directors of the U.S. Luge Association as well as a member of the U.S. Luge Foundation. She earned her MBA from Babson College’s Franklin W. Olin Graduate School of Business.