Prior to Fiserv, Tom was the Global CTO of Industry Platforms and Financial Services at IBM, Head of Emerging Technologies at First Data and held technology leadership positions at CIT Group, Bank of America Merrill Lynch and the Associated Press, in addition to serving as founder of several tech start-ups. His nearly 30 years of experience is powered by a BS degree in Chemistry, MS in Computer Science, MS in Biotechnology and he is a dissertation away from a PhD in Computational Biology and Molecular Biophysics. Throughout his career, Tom has been an active researcher in AI and Deep Learning. He likes to say that he got started in AI way back when it was “hard to do.” Tom is a recognized thought leader in AI as well as the Fintech and banking modernization fields and is active in the conference, Podcast and blogging circuits.