Thomas A. Layman

President & Chief Executive Officer

Business and pricing strategy, financial modeling and education

Thomas A. Layman is the President and Founder of the Global Vision Group, an electronic payments consulting firm.  Tom has over 30 years of international and domestic experience in the financial services and electronic payments industry.  Prior to creating the 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.  Tom 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, Tom helped US-based issuers launch programs overseas.  Tom also headed up all of Visa's efforts to mitigate the impact of personal bankruptcies on creditors, and co-chaired a creditor coalition that helped write, introduce, and lobby US bankruptcy legislation.  Prior to Visa, Tom’s experience was focused primarily on research and assessing the business environment risk of emerging markets.  Tom holds a B.A. magna cum laude from Vanderbilt University and a Ph.D. in international economics, trade and finance from the University of North Carolina at Chapel Hill.  Tom has over 20 published articles on credit card and economic policy issues and is co-author of a book on the role of foreign direct investment in Indonesia.