Hayley Turpen is currently a Senior Technical Business Analyst with Symitar’s Card Services. At the time of her blog publications she was an industry analyst with Jack Henry & Associates’ (JHA) Strategic Initiatives Group (SIG) covering digital channels, fraud & security, imaging and CRM. SIG provides an independent perspective of the banking and payments industry to JHA management. She joined JHA in 2001 as part of the NetTeller team where she spent the first 6 years of her 15 at JHA. Hayley’s experience prior to JHA includes work at a community bank as part of the front office staff as well as starting up the internet banking department.