DOUGLAS KING is a Payments Risk Expert with the Federal Reserve Bank of Atlanta’s Retail Payments Risk Forum. Since joining the Bank in January 2011, Doug has been responsible for researching risks associated with card-based and emerging payments in light of a rapidly changing payments environment and providing education and outreach to payment industry participants. He also represents the Bank on several fraud mitigation groups, the Interagency Payments Fraud Working Group and the BITS Payment Card Fraud group. Prior to joining the Bank, Doug worked with a global payments strategy consulting firm. He was responsible for providing strategic guidance to clients across the payments value chain, including global card networks, financial institutions, payment processors, and merchants. His experience spans multiple payment types and product areas, including credit cards, debit cards, prepaid cards, virtual currencies, person-to-person payments, and mobile payments.