Terry Austin is the President and CEO of Guardian Analytics and has led the company to successive years of growth and market leadership. Terry is regularly quoted in industry articles on online/mobile banking and payments fraud and has spoken at numerous conferences and events such as the NACHA Internet Council, ACFE’s Annual Conference, The Cash Management Forum, RSA Security Conferences, and Finovate, and has been featured at NACHA Payments and ABA Risk Management events. Terry promotes best practices for protecting online and mobile banking from current and emerging cyber threats and is the expert on Guardian Analytics original research on the impact of fraud on the relationship financial institutions have with their customers. Terry has rich experience and domain expertise in eCommerce, mobile, and supply chain solutions with companies such as MarketLive, Good Technology, Manugistics and Accenture. He received a BS in Operations Research and Industrial Engineering from Cornell University.