Ricardo has extensive experience with information security consulting within the payments and banking industry. With over 15 years of work experience within the Information Security industry. Ricardo has performed a number of gap assessment within the Service provider and Merchant industries throughout Africa and the EU and is actively involved in scoping, planning, remediating and auditing with many of Foregenix level 1 clients. Ricardo has a strong expertise in the card payments business and the related products and processing models in this industry.