Results oriented, passionate and adaptive business leader with extensive financial management solutions and electronic payments experience for small business market. Established track record of managing and growing a product line and business, while balancing investment in innovation of new offerings and technology platforms. Recognized as a solution and action oriented leader, product and domain expert and customer advocate. Demonstrated product strategy leader with experience working with external partners, distributed teams and integrating acquisitions. Product Management expertise in: • Building Saas solutions • Mobile app development • Financial services applications • eCommerce and POS applications • SDK and Developer programs Payment Services expertise in: • Merchant services • ACH and eChecks services • Prepaid solutions • Emerging payment types Operations expertise in: • Business and organization transformation • Developing high performing teams at scale • Technology strategy and roadmap • Change leadership • Data driven continuous improvement • Vendor relationship management

Vice President of Care Shared Services, Small Business Group @ Lead Shared Services organization encompassing service strategy design, systems and technology, insights and analytics, workforce management, business continuity planning, incident management, learning and development, knowledge management and program management. From August 2014 to Present (1 year 5 months) San Francisco Bay AreaDirector of Systems and Tools, Small Business Care Group @ From November 2011 to July 2014 (2 years 9 months) San Francisco Bay AreaDirector of Product Management @ Business owner responsible for strategy and five year roadmap of technology re-platforming to deliver capabilities supporting short and long-term business priorities. Responsible for multi-year product portfolio of payment services and software solutions representing over $300 million annual revenue. From October 1999 to November 2011 (12 years 2 months) San Francisco Bay AreaProduct Manager @ Led product strategy for a set of Java applets within the eSuite product family used to create enterprise web applications and integrated Lotus Notes and IBM WebSphere applications. From June 1998 to October 1999 (1 year 5 months) Greater Boston Area

MBA & MS-MIS @ Boston University - School of Management From 1996 to 1998 BS, Management Science @ State University of New York College at Geneseo From 1991 to 1995 Stuyvesant High School, New York From 1987 to 1991 David Lo is skilled in: Product Management, Mobile Applications, Financial Services, Merchant Services, SaaS, Payment Services, Agile Methodologies, Enterprise Software, Product Marketing, Mobile Payments, Cloud Computing, Mobile Devices, Payments, Business Intelligence, Start-ups