David Grindal is a Global Head of Solution Consulting for ACI Worldwide, covering the North American and European markets. David has worked in payments for most of the thirty-four years of his career and has been with ACI for twenty-three years. His experience includes both retail and wholesale payments and fraud detection. He was a member of the U.S. Federal Reserve’s Faster Payment Task Force and served for four years as a director of ACT Canada, an industry association. Most recently, David has been helping financial institutions with their strategies for payment hubs and immediate payments.