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	Kristy is the President of Duncan Consulting. She is a leading specialist in online and offline banking solutions, and helps clients develop strategies for new initiatives in financial services. She has chaired a number of industry groups in North America, including the Electronic Payments Association's Cross Border Council, and the Canadian Payments Association's EDI Support Group. Kristy has been working as a management consultant in financial services since 1998. She has spearheaded many consulting projects, and helped clients achieve significant results. Her experience spans a wide range of issues across financial services- including product marketing and positioning, project management, strategy, and policy issues. Kristy has held senior roles at a major bank, where she gained hands-on experience in the areas of Electronic Banking, Corporate Banking, Risk Management, Finance, and Operations. In 1998, Kristy founded WEMS, Women Engineers Mentoring Students. WEMS is a mentoring program for women engineering students wanting career guidance from established women engineers on a personal basis. To date, over 200 students have benefited from this program. Kristy graduated from the University of Toronto with a Bachelor of Applied Science degree in Industrial Engineering. She is a registered Professional Engineer, as well as a permanent Certified Cash Manager Kristy has been invited to speak at numerous industry conferences across North America and Europe, on the topic of emerging payments issues. More recent presentations include: Electronic Payment Systems in Canada- April, 2004; Mexican Electronic Payments Conference, Mexico City Developing a Strategy and Business Case for Online Payments- April, 2003; NACHA Payments 2003 Conference, Orlando New Directions in Banking & Cash Management- to Certified Fraud Examiners, April, 2003; Ottawa eBanking Update- to Public Works & Government Services Canada; February, 2003; Ottawa B2B- Current Directions & Trends- Canadian Payments Association bi-annual conference; May, 2001; Victoria The Case for Cross Border Payments- International ACH conference; Spring, 1997; Edinburgh A Primer for International Payments- The Payments Institute- annual learning conference; June, 1996; Pricing Strategies for Electronic Banking Products- Latin American Conference for Electronic Banking; November, 1995; Miami

Kristy is the President of Duncan Consulting. She is a leading specialist in online and offline banking solutions, and helps clients develop strategies for new initiatives in financial services. She has chaired a number of industry groups in North America, including the Electronic Payments Association's Cross Border Council, and the Canadian Payments Association's EDI Support Group.

Kristy has been working as a management consultant in financial services since 1998. She has spearheaded many consulting projects, and helped clients achieve significant results. Her experience spans a wide range of issues across financial services- including product marketing and positioning, project management, strategy, and policy issues.

Kristy has held senior roles at a major bank, where she gained hands-on experience in the areas of Electronic Banking, Corporate Banking, Risk Management, Finance, and Operations.

In 1998, Kristy founded WEMS, Women Engineers Mentoring Students. WEMS is a mentoring program for women engineering students wanting career guidance from established women engineers on a personal basis. To date, over 200 students have benefited from this program.

Kristy graduated from the University of Toronto with a Bachelor of Applied Science degree in Industrial Engineering. She is a registered Professional Engineer, as well as a permanent Certified Cash Manager

Kristy has been invited to speak at numerous industry conferences across North America and Europe, on the topic of emerging payments issues. More recent presentations include:

Electronic Payment Systems in Canada- April, 2004; Mexican Electronic Payments Conference, Mexico City
Developing a Strategy and Business Case for Online Payments- April, 2003; NACHA Payments 2003 Conference, Orlando
New Directions in Banking & Cash Management- to Certified Fraud Examiners, April, 2003; Ottawa
eBanking Update- to Public Works & Government Services Canada; February, 2003; Ottawa
B2B- Current Directions & Trends- Canadian Payments Association bi-annual conference; May, 2001; Victoria
The Case for Cross Border Payments- International ACH conference; Spring, 1997; Edinburgh
A Primer for International Payments- The Payments Institute- annual learning conference; June, 1996;
Pricing Strategies for Electronic Banking Products- Latin American Conference for Electronic Banking; November, 1995; Miami