Dave Lott is a Retail Payments Expert with the Retail Payments Risk Forum of the Federal Reserve Bank of Atlanta and has more than 40 years of experience in the Retail Banking and Payments industries. As part of the team at the Retail Payments Risk Forum, Dave works with payments stakeholders in researching emerging and existing payment systems and products, focusing on risks and mitigating strategies. A key area of focus for his present work is customer, transaction and data security issues. As such, Dave has done considerable work with the wide range of card and payment technologies including biometrics, tokenization and encryption for cards, mobile devices, other payment form factors, and their various delivery channels including ATMs, ecommerce and call centers. He is a representative of the Federal Reserve Bank of Atlanta in several inter-agency and intra-Federal Reserve System working groups. He worked recently with the ANSI X9A team in developing a technical review paper on card-not-present (CNP) fraud.