Karin is the Retail Payment Solution Leader for Self-Service Banking and ATM solutions. She started her career in retail banking as a teller and sold ATM, teller and retail payment transaction processing systems. Wanting more experience as a banker, she ran ATM and EFT processing departments at banks running Connex and made the decision to buy and install BASE24. She joined ACI as the BASE24-atm product manager and has held various product management positions during her 25 years at ACI. Karin was the founder of the IFX Forum Branch Banking Services working group which defined card and non-card based retail payment transaction messages.