TCH Annual Conference

Rich Clow

RICH CLOW is the Emerging Payments & Strategy Executive for Bank of America reporting to Mark Monaco. In his role, Rich is responsible for evaluating the payments landscape, defining the strategic roadmap and delivering solutions to scale Bank of America’s digital payment volumes. He will engage across key ecosystem players like Visa, Mastercard, The Clearinghouse, Early Warning Services and leading digital payment partners ranging from Apple to Samsung.

Rich has over 25 years of experience primarily in the financial services industry focusing on product development, innovation, consumer technology lephony and consulting. He began his career operationalizing two computer telephony startups and then moved to Coopers & Lybrand Consulting. Subsequently, Rich joined Citibank’s eCiti division as the Architect for the first branchless bank initiative, before taking a role with Deutsche Bank to lead programs such as a branchless brokerage in Brazil (MaxBlue). Rich returned to Citibank shortly after and was responsible for leading Mobile, E-Commerce, Branches, CallCenters, ATMs, and Channel technologies globally. Prior to his current role with Bank of America, he most recently served as the Managing Director for Global Consumer Digital Payments Innovation at Citibank responsible for emerging solutions related to e-commerce, mobile payments, cross-border, digital partnerships, and emerging blockchain networks. Additionally he led the international rollouts for Samsung Pay, Android Pay, Apple Pay, Citi Pay and several local market solutions.

Rich earned his undergraduate degree from Virginia Tech.