As Visa’s Vice President and Global Head of Authentication and Digital Identity, Matt Charpentier leads the team in charge of designing, developing and delivering identity solutions that secure the payment ecosystem. Matt and his team make sure that all good transactions are approved, all bad transactions are declined, while ensuring the optimal user experience. During Matt’s tenure, Visa’s key authentication solutions grew exponentially and are now ubiquitous in many parts of the world. He joined Visa in 2018. Before joining Visa, Matt spent 8 years at Capital One, most recently as Director of Customer Engagement for the heavy spender portfolio, where he led several efforts that drove increased engagement and allowed Capital One to dramatically increase its share of wallet with heavy spenders. Matt holds a Master of Science (MS) in Civil Engineering from Ecole des Hautes Etudes d’Ingenieur in France, as well as a an MBA from Columbia Business School. Matt lives in Northern VA with his wife and two kids.