Michael Carter has more than 15 years of executive technology leadership ranging from early-stage start-ups to international organizations.  He has been in payments and financial services for more than 20 years.  He is currently the Chief Marketing Officer at D3 Banking and has held vice president positions at S1 and ACI/Worldwide.  He was the Investor Relations Officer for Transaction Systems Architects, Inc., the Managing Director of SRM International and the Chief Operating Officer for Intranet.  Carter is a graduate of the University of Kentucky and Emory University.