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    Daniel Csoka

    Daniel Csoka

    CEO

    Schaumburg, IL, United States

    Daniel Csoka is a visionary executive and has emerged as the global expert in the burgeoning space at the convergence of the mobile and financial services industries. His recognized...Read moreDaniel Csoka is a visionary executive and has emerged as the global expert in the burgeoning space at the convergence of the mobile and financial services industries. His recognized expertise coupled with his extensive operational experience uniquely qualifies him to lead pioneering companies and innovative initiatives in the wireless and payments space. Over 200M people worldwide have utilized payments systems and mobile technologies he launched. He has held senior management positions at software applications companies focused on payments within the wireless telecommunications industry for over 15 years. He has assembled complex patent-pending international ecosystems of mobile network operators, financial institutions, electronics transactions processors, money transfer operators, retailers, merchants and POS networks and successfully launched various innovative Mobile, E-Commerce, Loyalty and Money Transfer services in the market.

    Csoka has provided a broad range of marketing, strategic and industry oriented consulting services to mobile operators, financial institutions, equipment vendors, content providers and electronic transactions processors worldwide in the wireless and banking industry. He is proficient at identifying new opportunities and is well-practiced at navigating through complex regulatory environments to bring those visions to market. He consistently cultivates, maintains and monetizes relationships into measurable results. His firm grasp of financials combined with acute business acumen consistently adds value to the bottom line while his extensive operational experience delivers reliable results.

    Csoka is a recognized wireless and payments expert and frequent industry speaker and has chaired, moderated or spoken at numerous wireless conferences and payment forums worldwide. He has been quoted on various issues related to mobile payments in many wireless telecommunications and payments industry related business publications including, among others, Fierce Wireless, RCR Wireless, Wireless Week, Wireless Review, Chicago Tribune, The Prepaid Press, Billing & OSS World, Center for Financial Services Innovation (CFSI), Payments News and Business Week.

    Csoka graduated from Northwestern University and is a Rhodes Scholar Finalist and National Merit Finalist. In his spare time he enjoys an active career as a concert violinist appearing as the concertmaster of various orchestras including the Detroit Civic Symphony Orchestra. He has performed throughout North America and Europe for such luminaries as President Bush, President Reagan, and Pope John Paul II.

    Area Covered: Mobile money transfer, International mobile money transfer, mobile commerce, mobile payments, mobile banking, prepaid, unbanked, mobile wallet, mobile remittances, payments
    Work Experience Summary: Profile
    Daniel Csoka has emerged as the global mobile financial services expert in the burgeoning space at the convergence of the mobile and financial industries. His recognized expertise coupled with his extensive operational experience uniquely qualifies him to lead pioneering companies and innovative initiatives in the wireless and payments industry. He has held senior management positions at software applications companies focused on payments and mobile for 15 years. He has assembled complex international ecosystems of Mobile Network Operators, Financial Institutions, Money Transfer Operators, Retailers, Merchants, POS Networks, and Electronic Transactions Processors and successfully launched various innovative Payments, Mobile, E-Commerce, Loyalty and Money Transfer services in the market. He is a recognized wireless and payments expert, frequent industry speaker and has chaired, moderated or spoken at numerous wireless conferences and payments forums worldwide. He has been interviewed and quoted on various issues related to mobile financial services trends in many industry related business publications including, among others, Fierce Wireless, RCR Wireless, Wireless Week, Wireless Review, the Chicago Tribune, The Prepaid Press, Billing & OSS World, Payments News and Business Week.

    He has provided a broad range of marketing, strategic and industry oriented consulting services to financial institutions, mobile operators, equipment vendors, content providers, and electronic transactions processors worldwide in the wireless and banking industry. He is a results-driven overachiever with a talent for identifying and exploiting new opportunities while effectively interfacing with the board of directors, senior management, clients and internal teams to ensure sustained levels of enhanced customer satisfaction enabling a profitable ROI and scalable business. He is an outstanding communicator and masterfully develops relationships in all facets of the business while building effective teams to successfully bring to market innovative mobile and payments solutions.

    Professional Experience and Accomplishments
    EXCEPTIONAL RELATIONSHIPS THROUGHOUT THE MOBILE AND PAYMENTS INDUSTRY

    • Excellent track record of designing and launching innovative and award winning domestic and international payments programs
    o Launched various payment solutions and mobile technologies that have been used by over 200 million people worldwide
    o Defined, designed, oversaw development of and deployed the first US cash-based International Mobile Money Transfer Service with over 150,000 correspondent payout locations in 50+ countries throughout the Americas, the Caribbean, Africa and Asia
    o Developed and launched a mobile money transfer program for the unbanked that was selected as a finalist for the Best International Mobile Money Transfer Program at the Mobile Money Transfer Summit – Dubai – 2010
    o Created innovative mobile payments gateway that was selected as a finalist for the Emerging Technology Award in Mobile Payments – CTIA 2009
    o 6 patents pending in the US as well as patents pending in 34 countries internationally dealing with Person to Person (P2P) Mobile Payments
    o Led the project to create and deploy Mexico’s first national loyalty program “Dinero Extra” to over 10 million customers working with the largest electronics transactions network in Latin America (7th largest in the world) and 6 major banks
    o Managed the team that implemented billing solutions to enable mobile purchases using a Mobile Wallet for over 150 million customers
    o Designed one of the earliest Mobile Wallets in 2003 and enabled mobile payments for digital content purchases for over 20 million customers
    o Devised Cricket’s Mobile Money Strategy
    o Helped assemble Alltel’s Mobile Financial Services Strategy
    o Assisted in the Emerging Payments Strategy for US Bank’s Money Service Business Portfolio
    • Extensive background working with numerous Mobile Network Operators, Financial Institutions, vendors and manufacturers in the payments and mobile ecosystem including, among others:
    o AT&T – Cingular, Verizon, Sprint, Boost, Alltel, TelCel (America Movil), Telefonica, Digicel, Leap Wireless, US Bank, HSBC, Banorte, Scotia Bank, IXE Bank, Santander, Invex, Banamex, Banco Azteca, Bancommer, MiPhone (Claro – Jamaica), Cable & Wireless (Lime), Motorola, Alcatel-Lucent, Nortel, Accenture, mFoundry, Ericsson, ClairMail, Comverse, Monitise Americas, Convergys, M-Com, Nokia, Amdocs, Palm, BCGi, VeriSign, First Data, PROSA, Nortel, Ericsson, Sema, Lightbridge, Sixbell, Syniverse Technologies, Intervoice, Homisco, InfoDirections, Total Systems, Oasis, Obopay, Firethorn…
    • 15 years experience in payments (9 years at the VP of Sales and Marketing level and 5 years as CEO)
    • Deep knowledge and expertise in wireless technology, mobile payments and payments systems ecosystems
    • Well-known Mobile Evangelist and Mobile Money Transfer Expert
    • Vast cross-functional team leadership proficiency
    • Well-versed at bridging gaps between engineering-orientated teams and business-orientated teams
    • Solid capability in building products and implementing programs with mobile network operators, financial institutions and retailers through a variety of channels including online and mobile
    • Creative, visionary, and hands-on executive
    • Combines “out of the box” thinking with excellent business insight and technical savvy to increase business and develop new products
    • Accomplished at leading new business development efforts while maximizing existing partner relationships
    • Talented at identifying new opportunities and well-practiced at navigating complex regulatory environments to bring those visions to market
    • Successful at closing deals and monetizing relationships into measurable results
    • Adept at defining requirements that match customer behavior and meet customers’ needs in addition to architecting payments solutions to fulfill those requirements
    • Skilled at leading, mentoring and motivating teams
    Areas of Expertise
     Payments
     Mobile Network Operators
     Mobile Financial Services
     Money Transfer
     Money Transfer Operators
     Person to Person Payments
     Stored Value Management
     Mobile Remittance/Mobile Money Transfer (Domestic and International)
     Mobile Commerce
     Alternative Payments  Mobile Payments
     Mobile Banking
     Prepaid
     Stored Value Card
     Rewards and Loyalty Programs
     International Top-up
     Electronic Transactions
     Billing – Real-time Billing
     Unbanked
     Strategy
     Emerging Payments  Innovation
     Mobile
     Systems Integration
     Mobile Wallet
     Mobile Coupons
     Payment Collections
     Electronic Payments
     Correspondent Banking
     E-Commerce
     Payroll
     Intellectual Property

    Employment History
    AKOS TECHNOLOGY CORPORATION – a company that provides the transaction management gateway to allow convenient and secure mobile money transfers. aKos seamlessly connects Mobile Network Operators, Money Transfer Operators, Financial Institutions and Retailers enabling a more convenient and much lower-cost alternative to send money internationally by using a prepaid mobile phone. – Chicago, IL
    Founder and CEO, March 2006 to Present
     Founded the company at the intersection of the mobile and banking industries to provide a solution to the unbanked money transfer market
     Architected and designed system to seamlessly integrate with Mobile Network Operators and Money Transfer Operators connecting over 150,000 correspondent locations (financial institutions and merchants) in 50+ countries throughout North America, South America, Latin America, Africa and Asia
     Assembled and integrated correspondent payout network of over 35,000 bank and merchant locations throughout Mexico
     Created Mobile Remittance Ecosystem and signed deals with Mobile Network Operators, Money Transfer Operators, Financial Institutions, Merchants, Processors, and various strategic partners
     6 patents pending at the USPTO as well as international patents pending in 34 countries
     Successfully launched first-ever cash-based International Mobile Money Transfer program in the US with a Mobile Network Operator that resulted in 15% adoption in the first 2 months
     Oversaw aKos’ worldwide communications efforts including representing aKos in all aspects of the mobile and payments community
     Managed the mobile money transfer service throughout the entire product lifecycle from idea inception through design and development to launch and general market availability
    o Assembled and prioritized product and customer requirements
    o Defined the product vision, strategy and roadmap
    o Ensured internal stakeholders’ guidelines were met
     Spearheaded the development of the aKos Mobile Remittance Gateway Engine (MRGe) which was selected as a finalist for the Emerging Technology Award in Mobile Payments at CTIA 2009 and finalist as the Best International Mobile Money Transfer Program at MMT Global 2010
     Selected as Top 75 Finalist for Chicago Innovations Awards – November 2010
     Leveraged prepaid functionality to streamline the remittance payments process
     Negotiated multifaceted product and service contracts and strategic partner agreements
     Navigated complex regulatory environment providing full regulatory compliance by state for Money Service Business and Money Transfer Business including:
    o AML – Anti-money laundering, BSA – Bank Secrecy Act, Patriot Act, FinCEN, OFAC…
     Worked with US Bank to outline their US Remittance Portfolio strategy – 2009
     Assisted Alltel to define their Mobile Financial Services Strategy – 2008
     Helped Cricket develop their Mobile Financial Services Strategy - 2009

    VOICECUE TECHNOLOGIES, INC. – a telecommunications software applications company that specializes in real time processing and billing providing enhanced services to Mobile Network Operators. – Chicago, IL
    Vice President of Sales and Marketing, June 1998 to March 2006
     Responsible for Global Wireless and Financial Products sales and marketing, business development, operations, finance, and product development
     Established Sales channels, regional and local offices in Latin America, Caribbean (CALA), Europe, and Asia-Pacific
     Responsible for global planning and execution of new project initiatives including Payments, Mobile Payments, Electronic Commerce, Loyalty Programs and Electronic Transactions Processing
     Oversaw VoiceCue’s worldwide communications efforts including representing VoiceCue in all aspects of the mobile and payments community
     Managed the company’s products throughout the entire product lifecycle
     Successfully sold and negotiated complex service contracts for billing applications and other enhanced services including Mobile Payments and Loyalty Programs to Mobile Network Operators, Financial Institutions and Retailers in North America and Internationally including Cingular, Alltel, TelCel (America Movil), Telefonica, Leap Wireless, PROSA, HSBC, Banorte, Scotia Bank, IXE Bank, Santander, Invex, Banamex, Banco Azteca, Bancommer, Spira, MiPhone (Claro – Jamaica), Santander, Carrefour, Iowa Wireless, Hargray Wireless, Conestoga Wireless, West Virginia Wireless, Immix Wireless, Carrefour, Soriana
     Directed the team that implemented billing solutions to enable mobile purchases using a Mobile Wallet for over 150 million customers
     Designed one of the earliest Mobile Wallets in 2003 and enabled mobile payments for digital content purchases for over 20 million customers
     Defined strategic direction for the company
    o Worked directly with CEO and CTO in strategic planning and developing new product and service initiatives
     Spearheaded cross-functional team efforts internally to develop new products and service opportunities to drive growth
     Directed corporate diversification strategy and acquiring new market share in parallel markets leveraging company’s core competency and assets
     Led the initiative to diversify VoiceCue’s product line into the financial arena of Electronic Commerce and Electronic Transactions Management by leveraging the company’s core competency of a “Stored Value Manager” into card-based stored value applications
     Created new division – Electronic Commerce – including sales channel, development team, requirements and engineering team, and account management team
     Identified, built a relationship with, closed and signed contract with the 7th largest Financial Transaction Processor in the world – PROSA (the largest Electronic Transaction Processor in Latin America) to provide Financial Processing Services in Latin America
     Worked with 6 major banks in Mexico, integrating the VoiceCue solution into their back-end
     Launched Mexico’s first national loyalty program “Dinero Extra” to over 10 million customers

    Education
    Bachelors of Arts – Violin Performance and Pedagogy, Minor in Biology – Northwestern University – Evanston, IL 1996

    Payments Industry Recognition
     “Getting Mobile Money to the Masses” – The Prepaid Press, March 1st, 2011
     Selected as Top 75 Finalist – Chicago Innovation Awards, November 1st, 2010
     Selected as Finalist for Best International Mobile Money Transfer Program – Global Mobile Money Transfer (MMT) Summit – Dubai, October 25th, 2010
     Prepaid Press Expo 2010 – Las Vegas, August 26th, 2010
     “Paying Person to Person” – The Prepaid Press, June 15th, 2010
     Morgan Stanley 2010 Payments Summit – New York City, May 5th, 2010
     Mobile Money Transfer Americas Conference (MMT Americas) – Mexico City, March 10th, 2010
     The Prepaid Expo 2010 – Las Vegas, February 23rd, 2010
     Investor Tech Expo – Silicon Valley, November 10th, 2009
     “5 minutes with Daniel Csoka” – The Prepaid Press, October 15th, 2009
     Prepaid Press Expo 2009 – Las Vegas, August 18th, 2009
     Imperial Valley Press – June 28th, 2009
     Channel 66 TV Interview – June 27th, 2009
     Channel 66 TV Interview May 8th, 2009
     Selected as Finalist for Emerging Technology Award in Mobile Payments - CTIA – Las Vegas, April 2nd, 2009
     TMCnet TV Interview – April 2nd, 2009
     Wireless Dealer Magazine TV Interview – April 2nd, 2009
     IntelliCard Expo – November, 2008
     Prepaid Press Interview – October 14th, 2008
     CTIA – BNET TV Interview – October, 2008
     Prepaid Press Expo 2008 – Las Vegas, August 17th, 2008
     Mobile Financial Services Summit – Denver, July 29th, 2008
     Lydian Payments Roundtable – April, 2008
     “Innovation Trends in Financial Services” – Center for Financial Services Innovations Report (CFSI) – March 8th, 2008

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