is a legal and compliance expert, with more than a decade of leadership experience in emerging payments. Prior to taking the helm of Ubiquity Compliance Solutions, she served as Executive Vice President for Ubiquity Global Services, a role she’s held since 2014. Her legal background, including more than 10 years working as an attorney, [something about how this translates to meticulous compliance work on behalf of clients]. Previously, she worked as general counsel for TxVia and became immersed in disputes and chargeback work at Google after the Silicon Valley company bought TxVia’s payments processing technology in 2012. Prior to TxVia, Cheryl's law practice focused primarily on intellectual property and due diligence.
Carol Palmer-Stewart, Vice President of Disputes and Chargebacks
Carol has nearly 15 years of experience in overseeing large dispute and chargeback operations teams within the prepaid industry. She specializes in the application of Regulation E across payroll, general purpose reloadable and debit cards, as well as Regulation Z for credit cards. Carol joined Ubiquity in 2014, after nearly two years as Google’s chargeback and disputes process manager, where she supported Google Wallet and other innovative products. She joined Google after the tech giant acquired her previous employer, payments processing technology company TxVia, where she had worked in a similar capacity to support prepaid issuers and program managers. Carol has extensive knowledge of the payment space, along with its operating and regulatory requirements and guidelines.
Nickolas Toth, Director of Fraud Services
Nick is a seasoned fraud manager with more than 20 years of experience in payment processing, risk mitigation and compliance. He has held a variety of positions at many large financial institutions, issuers and processors. Prior to joining Ubiquity in 2014, he served as a Risk Operations Manager for Google, where he analyzed and supported compliance efforts, as well as fraud detection and prevention troubleshooting. He was working at TxVia for three years when Google acquired the business in 2012. At Ubiquity Compliance, he manages all fraud-mitigation efforts, including pattern identification; suspicious activity monitoring and reporting; and watchlist screenings, including OFAC. He brings a unique combination of cyber-crime investigation and analytical skills with the ability to directly access data warehouses using a variety of query languages.