Brian Riley

Brian Riley

Director, Credit / Co-Head of Payments

Brian is a Director of Credit Advisory Services and a Co-Head of Payments at Javelin Strategy & Research. Brian has spent a quarter of a century with top tier national credit card issuers at Chase, Citi, HFC, and Wachovia (First Union National Bank) in senior management credit policy, operations, and system design functions with an emphasis on applying scoring and technology solutions to acquisition, credit, collection, and fraud.

Following a six-year stint running his own boutique consulting firm, Riley spent the past ten years at TowerGroup, originally a MasterCard business, subsequently acquired by Corporate Executive Board (CEB), where he was a Principal Executive Advisor in their Credit, Debit and Prepaid Card Service, which was discontinued by CEB as of June 2016.

Riley has been regularly quoted in major media such as the American Banker, New York Times, Wall Street Journal, ABC, CNN and National Public Radio on payment topics such as the evolving payments model, revenue dynamics, interchange, regulatory intervention, mobile payments, Apple Pay, gift cards and global card trends, who draw from his well-rounded background to explain current card business challenges, project industry trends and provide a seasoned view of emerging technologies.

Brian Riley’s accomplishments in the operational phase of his career included participating on the product development of HFC’s first retail credit card operation, a breakthrough in the late 1970s. He participated in numerous bank card acquisitions at Citi, Chase and First Union where was accountable for the operational and technical integration for more than 50 million credit card accounts. At Citi, Riley was integral for migrating collection operations systems to Sioux Falls, South Dakota as well as the technical design for extensive risk policy metric and measurement systems. While Operating at Chase, Riley ran credit policy for the Metropolitan Community Bank and was accountable for the operational and systems integration of Chase Lincoln First in Rochester, NY, a 135 branch retail banking network. Brian also helped opened Chase’s first domestic operation outside of NY Metro, in Tampa, Florida. At Wachovia, originally operating as First Union, Riley managed the integration of 46 acquired credit card portfolios onto one platform from three disparate systems, setting the ground work for a national credit card business. Brian also brokered the sale of more than $4 billion in bad debt to investors and designed a forward flow arrangement that generated $700 million in revenue.

Brian’s broad perspective on industry trends and emerging technologies enables him to identify new opportunities for his clients. It is this insight that will fuel the research and consulting initiatives of Mercator’s Credit Card Advisory Service moving forward.

Brian attended the State University of New York and has done advanced studies in computer science at Fordham.

Latest Insights

September, 2023
Javelin Report
The State of the U.S. Credit Card Industry

Overall, the U.S. credit card industry is on sound footing, although downstream economic issues could threaten to disrupt the norm, particularly at the lower end of the market, whe...

November, 2022
Impact Note
2023 Outlook: Debit and Alternative Products

Debit card issuers will need to navigate a recession caused by excess demand. Potential regulations that affect credit will bring volume to debit as the value proposition shifts. N...

November, 2022
Impact Note
2023 Outlook: Credit

The perfect credit storm is brewing. Interest rates are up, and stocks are down. Inflation is surging, and savings rates are falling. Consumers and lenders are less confident, and ...

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