A commercial payments practitioner for over two decades, Kareem currently oversees Fraedom’s sales organization in both the Americas and EMEA regions. His team is responsible growing Fraedom’s footprint within the banking and commercial payments segments servicing both business card and commercial card issuers. A thought leader in many respects, Kareem has worked with dozens of banks ranging from regional to multinational issuers, helping clients launch their initial card offerings and optimizing and growing their portfolios through adopting new technologies. Kareem’s previous experience includes senior management positions with Visa and MasterCard in product and business development roles. He has also spent a significant portion of his career working as a management consultant and entrepreneur. He has worked extensively with both providers and end-users to develop commercial card program strategies and on the implementation of enterprise commercial card and electronic payments technology solutions. Kareem is graduate of the University of Toronto’s Specialist Program in Management.