Mark Lulic is a Senior Payment Solution Engineer and innovation leader with over two decades of experience in financial services, technology and security. A pioneering product technologist, he holds over a dozen patents in emerging payment technologies and digital security solutions. His expertise in open payment acceptance systems has helped revolutionize contactless and digital payment acceptance within transit across major metropolitan systems worldwide.

As a former Vice President at a leading global card payment network for 17 years, he specialized in developing and implementing secure payment technologies, including EMV chip integration, network tokenization, and contactless payment systems. His expertise in vertical-specific payment solutions is established in transit and urban mobility solutions, where he architected secure acceptance mechanisms that mitigate transaction risk in delayed authorization environments.

His expertise spans secure payment architecture, risk management, and fraud prevention, having led major security initiatives for global banks and financial institutions throughout the U.S., Canada, UK, Europe, and Asia Pacific regions. Mark has played a pivotal role in establishing network tokenization standards and infrastructure, ensuring robust security protocols for modern payment processing.

Mark's comprehensive background includes direct involvement with key industry security forums and standards bodies, where he has contributed to the development of global payment security standards and best practices. His innovative work in transit payment solutions has established new benchmarks for secure, high-speed payment acceptance in complex fare environments, including distance-based, time-based, and multi-modal systems.

In his current role as an industry consultant, he advises leading financial institutions, open payment transit integrators, and FinTech companies on secure payment solutions, focusing on strong authentication methods, fraud prevention, and regulatory compliance across multiple jurisdictions. His innovative approach to payment security continues to shape the evolution of secure digital payment technologies across diverse acceptance environments.