Our Leadership Team

Senior Vice President, U.S. and Canadian Markets

Jennifer Cruz is Senior Vice President, U.S. and Canadian Markets. Jennifer leads Discover Network acceptance, operations, and third-party credit issuing business development in the U.S. and Canadian markets. She is responsible for strategic growth of U.S. Credit Issuance, operations and expansion of Discover Network, as well as merchant enablement within the United States and Canada.

Since joining Discover in 2002, Jennifer led global marketing where she was responsible for acceptance marketing efforts across 200+ countries and increased awareness and consideration for the Network brand throughout the payment ecosystem. She also led U.S. client services and network operations in providing premier customer service to 500+ participants. Jennifer previously led U.S. and Canadian merchant enablement - driving acceptance growth, increased volume, and revenue for Discover Network.

Jennifer holds a B.A. from Arizona State University and an M.B.A. from Northwestern’s Kellogg School of Management.

Senior Vice President, International Markets; President of Diners Club International

Ricardo Leite is a senior financial services executive with over 25 years of expertise in global payments, product innovation, business strategy, and client management. Since joining Discover in 2014, Ricardo has held leadership positions in the areas of Commercial Payments, Global Products, Global Acceptance and in 2019 was appointed Senior Vice President, International Markets. More recently Ricardo was appointed President of Diners Club International. He leads Discover Global Network’s international acceptance, issuing, and sales business development across EMEA, APAC, and Latin America & Caribbean.

Ricardo has a deep understanding of B2B, B2C, and B2G payments, merchant acquiring, issuing models, and payments networks. His leadership has driven organizational transformations, strategic alliances with fintechs, PSPs, and acquirers, and expansion into new markets. Prior to Discover, Ricardo held leadership roles at American Express, MasterCard, Visa, and Deloitte Consulting, where he advised top global financial institutions on payments strategy.

A native of Brazil, Ricardo is fluent in Portuguese, with working knowledge of Spanish. Ricardo holds an MBA from the University of Virginia’s Darden Graduate School of Business and a B.S. in Business Administration from George Mason University.

Senior Vice President, Strategy and Brand

Katelyn McCarthy is Senior Vice President, Strategy and Brand. Katelyn is responsible for defining and enabling the strategic priorities of the network, overall network brand strategy, and executing a portfolio of strategic business projects.

Katelyn joined Discover in 2019, and since then has overseen network strategy, strategic partnerships, and business development. Prior to 2019, Katelyn was an Associate Partner at McKinsey & Company focused on commercial growth and strategy in the payments sector.

Katelyn holds a B.A. in economics from Dartmouth College and an M.B.A. from the University of Pennsylvania’s the Wharton School.

Senior Vice President, Global Products

Judith McGuire is Senior Vice President of Global Products, with responsibility for product strategy and development for the Discover and Diners Club Networks.

She previously served as Vice President of Digital and Commercial Products, leading enhancements that supported strong growth in digital wallets. Before that, she held executive roles at PULSE, overseeing product management, pricing, analytics, and enterprise programs.

A longtime payments leader, Judith has served on several industry boards and was named one of American Banker’s Most Influential Women in Payments in 2024.

She holds a B.A. in advertising from the University of Texas at Austin and an MBA from Tulane University.

Vice President, Business Risk Officer

Ed O’Neill is Vice President, Business Risk. Ed is responsible for implementing programs to identify, manage and mitigate operational, regulatory, payment security, and other business risks for Discover Network, PULSE, and Diners Club International.

Since rejoining Discover in 2018, Ed has led efforts in payments security, fraud prevention, and risk management. He previously served as Vice President of Secure Payments at the Federal Reserve Bank of Chicago, where he helped advance the Federal Reserve’s payment security strategy.

With over 20 years in financial services, Ed is known for building collaborative programs that address complex risk, security, and compliance challenges across the payments ecosystem.

Ed holds both a Master of Business Administration and Bachelor of Business Administration from Loyola University of Chicago.

Senior Vice President, U.S. Debit; President and CEO, PULSE

Dave Schneider is Senior Vice President, U.S. Debit; President and CEO of PULSE. He is responsible for managing PULSE and for evaluating debit growth opportunities.

Dave has been President of PULSE since 2006 and was named CEO in 2024. Before joining PULSE in September 2000, he was a partner in the Houston law office of Fulbright & Jaworski L.L.P., practicing in the Corporation, Banking, and Business Department.

Dave holds a B.A. in economics, summa cum laude, from Tulane University and a J.D., magna cum laude, from Georgetown University Law Center.

Vice President, Core Platforms

Deepak Sevak is the Vice President of Core Platforms, overseeing transaction processing and enablement platforms across Discover Network and Diners Club International. He is responsible for driving product development and ensuring scalability and stability across critical systems.

Since joining Discover in 2016, Deepak has led key digital, operational, and transformation initiatives including, our product agility transformation. He brings over 20 years of experience in large-scale product and technology transformations, with prior leadership roles at Baxter, Pfizer, and in management consulting across industries like banking and insurance.

Deepak holds a bachelor’s degree in public policy from the University of Chicago and an MBA from Northwestern University’s Kellogg School of Management. He is also a committed mentor, volunteer, and community leader, supporting employee resource groups and the T1D Breakthrough nonprofit.

Vice President, Global Pricing, Controls & Analytics

Andrew Stucchio is the Vice President of Global Pricing, Analytics, and Participant Monitoring overseeing price strategy, data analytics, and network participant risk management.

Since joining Discover in 2019, Andrew has led several price initiatives, data governance projects and transformational analytical efforts.

Prior to joining Discover, he held leadership roles at American Express, supporting key areas across Issuing, Network, and Acquiring business units. His expertise spans pricing model development and strategy, competitive benchmarking, and risk operations.

Andrew holds a bachelor’s degree from Cornell University and an MBA from Kellogg School of Management.