Michael leads HSBC’s global secure access division (cybersecurity for authentication and related areas such as identity and fraud detection), as well as the regional mobile and internet banking business, and is responsible for the development of HSBC’s digital platform ecosystem. A former long-term executive at Microsoft Corporation serving in various leadership roles globally and most recently as a Managing Director of Microsoft Financing in EMEA where he led a successful turn-around. Michael has an extensive background in general management in the technology sector (cybersecurity/IT/digital/telecom) including P&L, corporate strategy, governance, business development, marketing and sales leadership, partner channel, intellectual property, and finance. Michael has had the privilege to work for several of the world’s most respected technology companies to drive growth and strengthen reputations including HSBC, Microsoft, Deutsche Telekom, and AT&T. He holds both an MBA and BBA from Baruch College of the City University of New York.