Howard Klein has maintained multiple executive positions with Optimal Payments Plc in his 11 years with the company. Currently, Mr. Klein serves as the company’s Executive Vice President of Risk Management. Optimal Payments has 15 years of experience creating secure transactions for merchants and customers alike through its NETBANX payment processing system and NETELLER payment accounts. In his present role with Optimal Payments, Mr. Klein oversees the loss prevention department and merchant underwriting. He also continually improves the company’s NETBANX payment processing system by updating its features to stay ahead of fraud trends. Mr. Klein learned such technical skills while employed at TotalNet as a Technical Specialist during the time he attended Concordia University in pursuit of his Bachelor of Commerce in Management Information Systems. After his tenure as a Technical Specialist, he transferred to Call Center Operations. Mr. Klein graduated with his Bachelor’s degree in 2000, the same year he received his first position with Optimal Payments as Director of Risk Management. In 2006, while still employed at Optimal Payments, Howard Klein became President of GBK Consulting, a company that manages outside litigation and recovers business revenue. His responsibilities as President included providing risk management and financial consultations to acquiring banks around the world. He also helped his clients expand their portfolios by encouraging them to invest in certain technologies and implement particular practices and procedures. Mr. Klein maintained the role of President for GBK Consulting until 2008.