A commercial payments practitioner for over two decades, Kareem leads SpendLabs’ sales, account management and marketing organizations globally. As such, he is responsible for expanding their 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 brands and FinTechs such Visa, MasterCard and Fraedom in product, relationship management and sales 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 card program strategies and on the implementation of both card and electronic payments technology solutions. Kareem is a graduate of the University of Toronto’s Specialist Program in Management.