Margaret Meraw Royal Bank of Canada Senior Manager, International Cards As Senior Manager, International Cards at RBC Royal Bank of Canada, Margaret is responsible for the implementation of card payment initiatives globally. Her current focus is on the United States and more recently on the Caribbean with RBC's acquisition of RBTT in 2008; which expanded RBC's Caribbean footprint to 20 countries. Margaret has 3 decades of experience in the banking industry. Her career has been vast, with roles in branch management, operational consulting, defining bank policies and procedures, product development, and mergers and acquisitions. Margaret has spent the last 9 years focusing on the card payment and loyalty business. During this time, Margaret has had the unique opportunity to work both cross-functionally within RBC in Canada as well as cross-border with RBC's entity in the United States, RBC Bank, and now within the Caribbean. Margaret has an MBA from Athabasca University in Alberta, Canada. Margaret can be contacted via e-mail at Margaret.Meraw@RBC.com.