Michael Braatz

Senior Vice President, Payments Risk Management at ACI Worldwide

Mike joined ACI in July 2012 and is responsible for the overall strategy, roadmap and delivery of payments risk products and solutions. Prior to ACI, Mike was SVP & GM at Memento, a provider of enterprise fraud management solutions acquired by FIS.  Earlier in his career he was a consultant with Bain & Company, working with clients in the software and financial services industries. Mike started his career as an officer in the U.S. Air Force, where he attained the rank of Captain and was decorated for outstanding leadership and performance. Mike earned a B.A. in mathematics from Northwestern University and an MBA from Northwestern's Kellogg School of Management.

Articles by Michael Braatz


The Challenge and Reward of Consolidating Payment Platforms

The majority of retailers operating internationally have multiple payment platforms, designed to suit the local markets in which they operate, and these platforms often differ between sales channels according to research carried out by ACI Worldwide and Retail Week. This reflects not only different consumer expectations and payment preferences, but also the cost of upgrading and consolidating multiple payment systems. The emergence of new payment options, combined with pressure to be compliant with the latest payment standards, only adds to the complexity.

Prime Time for Real-Time

Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?