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RESUME
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`KAI JOHNSON
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`4402 BRAEBURN ROAD
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`SAN DIEGO, CA 92116
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`CONTACT INFORMATION
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`MOBILE: +1 608 628 6842
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`https://www.linkedin.com/in/kaijohnson
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`SUMMARY
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`Experienced product management, product development, information security, and technology consultant with a
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`hands-on approach to solving technical problems and a big-picture view of business issues. Track record of
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`delivering complex security solutions and mobile applications for consumers. Uniquely capable of bridging the
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`gap between business needs and technical solutions.
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`ACCOMPLISHMENTS
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`Broad experience with technology, security, compliance, and commercial issues in the retail banking
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`and payments industries.
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`Thorough understanding of hardware and software for mobile devices, as well as large scale server-side
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`systems and enterprise software.
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`Proficient in business development, contract negotiations, information security, intellectual property,
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`and organizational development.
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`Skilled at navigating large organizations and intertwined partner ecosystems.
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`Experienced in working with global firms in telecom, finance, technology, and the public sector.
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`Established Sutton Abinger as a boutique consulting firm in payment systems, security, transit, and
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`mobile applications with 50 successful engagements for 20 customers over six years.
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`Built the Softcard product development organization from ten contractors to a team of more than 40 and
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`shepherded the team from loose concepts to concrete development, then guided the team through a 180-
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`degree turn in product direction.
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`Established the Softcard information security team capable of completing ISO 27001 and PCI-DSS
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`certifications, passing audits by the nation’s largest financial institutions, and hardening mobile payment
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`applications against potential attackers.
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`Negotiated agreements with Visa, MasterCard, Amex, and Discover for necessary technology and
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`approvals for Softcard products, and negotiated agreements with Chase, Amex, and Capital One to use
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`Softcard products.
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`Provided strategic product direction for Verizon Wireless as subscriber growth slowed due to market
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`saturation, and premium service revenue was threatened by over-the-top smartphone applications.
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`Led the design and development of several major consumer mobile applications launched by Verizon
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`Wireless, providing product requirements, pricing, UI design, contract negotiations, partner
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`management, hardware and software requirements; and contributing to technology licensing, content
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`licensing, QA, billing, OEM integration, reporting, merchandising, and customer care.
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`Established the enterprise-wide program management office for Verizon Wireless.
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`Developed security and IT consulting engagements for SchlumbergerSema (now Atos Origin) in
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`England and Scotland.
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`Led Entrust’s entry into the market for security infrastructure for 3G mobile operators worldwide from
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`their office in England, and closed a multi-million dollar deal with Hutchison 3G (now “3”) for common
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`security infrastructure for all their 3G operator launches globally.
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`Delivered pre- and post-sales engagements with enCommerce customers throughout Europe as the
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`second person in their EMEA office.
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`IPR2023-00398
`Fintiv Ex. 2017 | Page 1 of 4
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`EXPERIENCE
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`Sutton Abinger, San Diego, CA
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`2014 to Present
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`President. Established Sutton Abinger, a consulting company focused on solutions for payment systems,
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`security, transit, and mobile applications. Identified, sold, and led consulting engagements with clients in the
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`US, Asia, and Europe. Managed consulting projects delivered by associate consultants. Exemplary
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`engagements:
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`▪ Migration planning and execution for cloud-based HSMs and PKI certificate authorities;
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`Technology survey of payment service providers in online gambling for a private equity client;
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`OSINT research into the fraud-based commercial ecosystems supporting SMS spammers;
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`Architect for the development of an advertising and loyalty system for transit customers;
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`Policy and compliance advisor for the certification of a new payment card personalization facility;
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`Technical due diligence on acquisition targets in the fintech and payments industry;
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`Expert witness for trade secret and patent litigation;
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`Technical guidance on payment processor integration for a mobile point-of-sale vendor;
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`HCE vendor evaluation for a leading bank in Europe;
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`Evaluation of patent portfolio related to mobile payments and mobile commerce;
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`Seminar on the US mobile payments market for clients in China and Hong Kong;
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`Strategic planning for contactless payment solutions based on tokenization for a client in London;
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`EMV technical documentation for a leading US payment processor;
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`Security and user experience assessment of consumer payment services for a leading US health insurer;
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`Interim CTO for a mobile security startup in London; and
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`PKI architecture for a leading payment terminal manufacturer.
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`JVL Ventures / Softcard, New York, NY and Dallas, TX
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`2010 to 2014
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`Product Development Leader, 2010 to 1H 2011. Redefined product solutions and scope to cover all necessary
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`development prior to launch, including external technologies and internal infrastructure. Defined organizational
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`roles and skill sets for team through launch. Refined product concepts to align with technical capabilities.
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`Established iterative development process to manage risk and align with partner schedules. Broadened partner
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`relationships with vendors throughout the supply chain. When the Durbin Amendment prompted a major shift
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`in product plans, redirected development team to focus on reusable development, refocused solutions to meet
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`new business goals, replaced business partners to support continuing development, and established relationships
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`with new partners. Grew the team from 10 direct reports to more than 40 staff with five team managers.
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`Chief Architect, 2H 2011. Developed saleable products from loose concepts and established commercial terms
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`for customer relationships. Negotiated agreements with Visa, MasterCard, Amex, and Discover for necessary
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`technology and approvals for Softcard products. Negotiated agreements with Chase, Amex, and Capital One to
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`use Softcard products.
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`Chief Architect & CISO, 2012. Established enterprise security program, covering policy, infrastructure, and
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`product. Closed gaps in product security through penetration testing, then built security back into development
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`process. Completed business risk assessment, PCI DSS and PA DSS certifications, ISO 27001 implementation,
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`and ISO 22307 privacy impact assessment. Wrote, communicated and implemented information security policy.
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`Organized company-wide general security training, and secure coding training for software developers.
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`Hardened network perimeter and systems through vulnerability assessment and establishment of regular
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`maintenance procedures. Initiated brand protection campaign. Completed audits by banks and mobile operators.
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`Initiated the compliance function within organization.
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`IPR2023-00398
`Fintiv Ex. 2017 | Page 2 of 4
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`Chief Architect 2013 to 2014. Defined technical solutions for Windows Phone and BlackBerry platforms.
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`Developed prototypes for Bluetooth LE and Host Card Emulation. Established intellectual property and patent
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`program, leading to the filing of more than 60 patent applications. Named as inventor on nine patent
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`applications. Developed concepts and technical solutions for new products. Led international strategy.
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`Lexagon Group / Constratus, Basking Ridge, NJ and Laurel, MD
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`2004 to 2011
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`Principal. Led consulting engagements and developed the consulting practice at Verizon Wireless. Contributed
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`to nearly all of Verizon Wireless’s 3G consumer data products, operating as a member of various project teams.
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`Key projects:
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`Softcard, 2009. Led product management for Verizon Wireless’s implementation to support the launch of
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`Softcard. Defined product and revenue plans. Developed hardware and software requirements for devices.
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`Provided governance of joint venture product and technology development.
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`Windows Phone, 2009. Led product management and technical development to port walled garden applications
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`to Windows Phone prior to Microsoft's Windows Phone 7 launch.
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`Strategic Review of Product Roadmap, 2009. Analyzed the long term viability of walled garden applications,
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`and recommended short term and long term product portfolio strategy.
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`Android Service Integration, 2009. Led product management and technical development for the replacement of
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`in-house mobile application clients with OEM-integrated clients for Verizon Wireless’s services, including
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`Instant Messaging, Visual Voice Mail, and Backup Assistant.
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`Open Access, 2008. Created product strategy for Verizon Wireless’s CMO in response to AWS open access
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`rules. Found opportunities for Verizon to grow services revenue during the shift from walled garden services to
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`open platforms.
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`HTML Web Browser, 2008. Wrote product and technical requirements for full-featured HTML browsers for
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`feature phones. Analyzed operating costs and product pricing.
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`ESPN MVP, 2007. Led project management and technical development for Verizon Wireless’s launch of
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`ESPN's mobile app. Managed partner relationship with ESPN. Defined hardware and software requirements,
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`and OEM application preload requirements. Performed QA on product and billing. Supported retail launch and
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`customer care.
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`Wireless/Wireline Convergence, 2007. Developed strategy and requirements for product convergence and
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`integration across wireless and wireline businesses.
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`Dashboard (Adobe FlashCast), 2006. Led product management and technical development of Verizon
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`Wireless’s implementation of Adobe Flash on BREW devices, with a framework to sell third party Flash-based
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`content. Developed product requirements, pricing, hardware and software requirements, and OEM application
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`preload requirements. Negotiated contract and managed partner relationship with Adobe. Defined framework
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`for third party content licensing. Performed QA testing on product and billing.
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`V-CAST Music, 2005. Led product management and technical development of Verizon Wireless's second 3G
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`product. Defined product requirements, pricing, UI design, hardware and software requirements, and OEM
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`application preload requirements. Negotiated contracts for technology licensing from Microsoft and content
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`licensing from all of the major music labels. Managed technology suppliers. Performed QA testing on product,
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`billing, and reporting. Supported content merchandising, and customer care. Led the implementation of USB
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`support, microSD, music players, Bluetooth stereo and airplane mode in Verizon Wireless phones.
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`Program Management Office, 2004. Established the program management office for the marketing
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`organization. Developed business process. Communicated procedures. Trained staff.
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`Other projects: Wi-Fi, 2009. Verizon Vault, 2009. Vodafone 360, 2009. Unique Device, 2009. Alltel Product
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`Transitions, 2009. Verizon Developer Network, 2008. Adobe Flash Lite, 2008. Carrier Billing Integration,
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`IPR2023-00398
`Fintiv Ex. 2017 | Page 3 of 4
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`

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`2008. Get It Now (BREW Mobile Shop), 2008. Competitive Pricing for Data Service, 2008. Application Stub
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`Preloads, 2007. Get It Now Search, 2006.
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`SchlumbergerSema / Atos Origin, London, England
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`2003 to 2004
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`Principal Consultant. Led strategic consulting engagements by developing new business through senior-level
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`contacts in industry and government. Delivered transformational programs in large enterprises, including the
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`implementation of new processes, solutions and infrastructure. Analyzed business requirements to produce
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`deliverable solutions, written specifications, tender documents and bid proposals, based on information
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`gathering and analysis with senior staff members. Architected large enterprise solutions in a distributed
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`computing environment, including the evaluation, selection, and deployment of partners and technology.
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`Worked with vendors including board-level contractual and technical discussions, contract management, and
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`outsourcing.
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`enCommerce, Inc. / Entrust Technologies, Santa Clara, CA and London, England
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`1999 to 2002
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`Market Development Manager, 2001 to 2002. Developed product strategy, market strategy, and bid process
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`in new markets for wireless networks, mobile devices, payment systems, authentication, authorization, and
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`identity management. Negotiated and managed strategic contracts to jointly develop, market, and sell security
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`solutions. Identified potential early adopters and led early sales efforts. Managed OEM contract with Nokia to
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`develop security solutions for mobile phones. Negotiated and implemented contract to resell Nokia solutions to
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`mobile operators and enterprise customers. Led successful bid with Schlumberger for global multi-million
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`dollar contract to deliver security services to Hutchison 3G.
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`Systems Architect and Systems Engineer, 1999 to 2000. Designed, developed, deployed, tested, launched,
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`supported and upgraded secure Web applications for global companies, including Banc of America Securities,
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`Vodafone, Nokia, Egg, UBS, and Telia; serving a total of over two million users. Directly influenced product
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`development, product marketing, quality assurance, technical support and professional services during the
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`company's start-up. Moved to London June 1999 to build technical competency in the pre- and post-sales
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`engineering groups in Europe as the office grew to half of the company's sales.
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`EDUCATION
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`University of Wisconsin-Madison
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`Awarded Bachelor of Science degree in Computer Science.
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`IPR2023-00398
`Fintiv Ex. 2017 | Page 4 of 4
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`

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