Tom Layman is the President and Founder of Global Vision Group. In addition to managing the company, he serves as the leader of its strategy practice group. His specialties include business strategy, financial modeling, research and risk mitigation.  Tom has over 30 years of international and domestic experience in the financial services and electronic payments industry. Prior to creating Global Vision Group, Tom was Senior Vice President with Visa U.S.A., holding a number of executive positions during his 11-year career there. He managed the Visa Profitability Consulting practice, as well as all of the business research functions, which included performing cost reduction and benchmarking studies, and served as Chief Economist.  As global relationship manager at Visa, Tom helped US-based issuers launch programs overseas. He also headed up all of Visa's efforts to mitigate the impact of personal bankruptcies on creditors, and cochaired a creditor coalition that helped write,...