Steve Ruwe leads the enterprise-wide risk management strategy for PSCU, with a focus on preventing fraud and minimizing risk in the credit and debit card portfolios of Member-Owner credit unions. Advocating risk management practices for the industry, he serves as the Chairman of the Credit Union Risk Council and sits on the MasterCard U.S. Fraud Advisory Council. Prior to joining PSCU, Ruwe served as Visa USA�s Executive Vice President of Operations and Risk for 13 years. He's testified as a risk management expert before Congress numerous times on issues related to data security, Internet gaming, and Internet pharmacies. Ruse has also served on the Board of the Economic Crime Institute and the Financial Services Sector Council for Critical Infrastructure Protection and Homeland Security. He can be contacted at firstname.lastname@example.org.