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Chris Thom retired from MasterCard in 2006 where he was Chief Risk Officer, Senior Executive Vice President of the Global Development Group and a member of the Executive Management Group. Prior to joining MasterCard in 1995, Mr. Thom served in a variety of positions at HSBC Group in the United Kingdom, including as general manager, Strategic Development and general manager, Retail. In the latter position, Mr. Thom was responsible for the core banking services and products delivered through HSBC's branch network, as well as HSBC's card service, private banking and other businesses.