Susan M. Pandy is a seasoned payments professional with nearly 18 years of experience in the industry. As the Director, Payment Strategies at the Federal Reserve Bank of Boston, she led departmental projects and external workgroups to provide the payments industry, regulatory community, and Federal Reserve System with a forum for balanced, in-depth research and analysis of market trends, policy development, and other issues affecting the payment system, with an emphasis on international and domestic standards, emerging technology, and security of the mobile/digital payments channel. Susan has led projects, developed deep subject-matter expertise and published whitepapers and briefs on a broad range of payment topics, including tokenization, APIs and open banking, card-not-present fraud, mobile and digital wallets, host card emulation, 3-Domain Secure, and standards developments.
Susan previously worked for NACHA-The Electronic Payments Association for over 10 years as a critical source of expertise on all matters related to electronic and mobile commerce. She provided thought leadership to a 100 member council program charged with advancing electronic commerce over open networks by enabling digital business. Susan shaped the council’s ability to pursue cutting edge industry issues related to data/transaction security, authentication, authorization, identity management, fraud, compliance, mobile banking/payments, and P2P payments. Susan also supported strategic initiatives related to risk management, rulemaking, and advanced payments solutions in exploring efforts to drive innovation in the ACH Network.
Susan has a passion for learning and teaching and also teaches part-time in the public administration program for Bridgewater State University in Massachusetts.