Watson has worked in the payments industry for more than 20 years as a management consultant and service provider. For the past decade, she's been at Wells Fargo & Co. where in January she was named head of wholesale Internet banking.

In her new role, Watson is guiding strategic direction for the bank's "Commercial Electronic Office," a single customer access portal that serves commercial and corporate customers.

In addition to investing in payment capabilities, she says Wells Fargo is also investing in the front-end experience.

"Five years ago, we used to design our online payment solutions for a handful of browsers running on Windows and iOS, but now, there is a proliferation of devices, browsers, screen sizes, aspect ratios and [operating systems]," she says. "We continue to promise usability across all of these devices, when just keeping up with testing our sites on the newest devices has been a challenge."

Watson joined Wells in 2002 and spent nine years as senior vice president in the Internet services group, managing online and mobile payments, fraud prevention, authentication, customer experience and insights, payment and fraud operations.

Under her leadership, active mobile channel customers grew to more than seven million, and online banking customers reached nearly 20 million. Bank Technology News named Watson "Innovator of the Year" in 2009 citing her work improving online and mobile banking as well as developing new payments applications.

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