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Company > Executive Team
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IdenTrust is led by a seasoned management team with a unique combination of proven track record, in-depth industry expertise, and operational experience.
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Karen J. Wendel
Chief Executive Officer
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Karen J. Wendel, a recognized financial services business leader, has more than 20 years of experience in
financial services, applications development and business management. Her expertise includes international
banking, payments, treasury management and transaction processing. Ms. Wendel also has a track record for
raising capital to bring innovative technology solutions to market. Prior to joining IdenTrust,
Ms. Wendel was the CEO of eFinance Corporation, an applications development company that provides risk
and credit decisioning solutions. She was previously a partner at the Belgium-based consulting firm
The Capital Markets Company (CAPCO) where she led the growth of CAPCO's e-finance practice, including
raising capital and building out the required team and infrastructure to serve global financial
institutions in Asia, Europe and Latin America. Prior to that, Wendel led the U.S. Financial Services
Practice of Gemini Consulting where she managed global accounts and developed service offerings including
transaction processing, electronic commerce, and real-time management. Ms. Wendel is the author of
numerous industry publications and articles on the subjects of cash management, payments and financial
supply chain integration. She has been an advisor to the European Union on emerging technologies for
payments and the keynote speaker at major international banking conferences. She has degrees in Economics
and International Relations from Brigham Young University.
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Thomas Ream
Chief Operating Officer
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Thomas G. Ream , Chief Operating Officer, is responsible for operations, the government sector, finance and administration.
Tom brings to IdenTrust a deep combination of operations, international and financial experience. At VeriFone, the leading provider of
point of sale card acceptance devices, Tom was instrumental in building the international business of
VeriFone, holding a variety of roles, including Vice President and General Manager of the International
Division. Tom built the operational and administrative infrastructure for Europe, Asia Pacific and Latin
America, started VeriFone's business in Canada before taking on an assignment as VP, Americas where he
more than doubled revenues in 18 months. He also was instrumental in launching VeriFone's first
transaction processing software product outside of the US, and secured the first non-US sale to a
major Canadian transaction processor. As VP and GM of International, he was in charge of operations
in more than 100 countries.
Tom has also held senior management roles in other payment and software companies, most recently as
Vice President of Corporate Development and CFO of Tacit Software. He served on the board and as COO
of Boostworks, a French software company, while living in France. Tom has been a speaker at card and
payment conferences, and has authored articles on financial accounting issues.
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Joe Norburn
Managing Director, IdenTrust Europe
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Joe Norburn is the Managing Director for IdenTrust EMEA and Asia Pacific where he is responsible for sales, relationship
management and operations within the region. Joe brings to IdenTrust over 15 years of financial services
and consulting experience. Prior to IdenTrust, Joe spent 9 years at the Royal Bank of Scotland (RBS)
holding several management positions, including serving as the Head of RBS TrustAssured, the bank's identity
management business unit, and heading the web and online sales function, covering many of the Group's leading
brands. Prior to RBS, Joe was a senior consultant with IBM UK, assisting organisations to improve their business
processes and customer relationship management.
Joe is a graduate of the University College London and holds a Masters in Business Administration from
The Management School, Imperial College in London.
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John G Bullard
Global Ambassador
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John is the Company’s Global Ambassador and he brings a wealth of experience and insight particularly from the banking and
the end-Customer perspective about what is needed in managing operational risk, including Supply Chain for Corporates,
the Public Sector, and ultimately the Citizen, in the era of the global "Networked Economy".
John has a background of over 20 years in banking - with Barclays in the UK, US (California 1980’s & Wall Street 1990’s),
and Europe & Asia; his responsibilities centered primarily around relationship management for Financial Institutions and
larger Corporates for Barclays - especially in periods of change (eg deregulation in the London markets). From this, he
became Director at Group Operational Risk (eCommerce) at Barclays corporate HQ in London. From this role, John was
selected to join IdenTrust at its original foundation in 1999 as a bank consortium, and has managed much of the worldwide
external-facing issues, as the young enterprise charted its way through its early years. John is based out of London office
with a team focused on successful partnering and collaborative working with Corporates, Governments and Banks as IdenTrust
helps to address their challenges in the e-ID space.
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Deborah Fugate
Vice President, Finance and Administration
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Debbie Fugate is responsible for the administrative functions at IdenTrust, including Finance and
Human Resources. Previously Vice President of Finance at eFinance, Ms. Fugate brings more than 15 years
experience in finance and strategic planning. Prior to joining eFinance, she worked at Scudder Weisel
Capital where she was responsible for the launch of their online private equity, brokerage, and research
business. She has an extensive background in the banking and financial services sector. At the Capital
Markets Company (CAPCO), her consultancy experience specialized in Internet transactions and payments
processing. Prior to joining CAPCO, she worked at Gemini Consulting in the Financial Services Practice
where she specialized in Strategic Planning, Marketing and Balanced Scorecard. Her career in the
financial services industry started in the banking sector where she worked as a commercial banking
officer and as a consumer loan officer.
Ms. Fugate holds a BA in Economics and Political Science
from Northwestern University and a MBA in Finance and Marketing from the University of Chicago.
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Don Johnson
Vice President, Operations
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Don Johnson heads up all facets of operations at IdenTrust. He has 16 years experience managing people
and large-scale projects and systems. His experience includes project management and systems
implementation responsibility for Ernst & Young LLP, where he managed numerous multi-million dollar
projects for Fortune 100 companies such as 3M and Emerson. His operations management background includes
ten years in the U.S. Air Force where he helped design, develop, and manage an Air Force wide
logistics management computer system and as the Vice President of Technical Operations for First Health,
the nation's largest third-party administrator of healthcare claims. He has managed a staff of 160
people and a $45 million budget.
Mr. Johnson holds a Bachelor of Science in Computer Science and Computer Information Systems.
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Vishvas Patel
Vice President, Rule Set and Product
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Vishvas Patel oversees the IdenTrust Rule Set and Product Development. Mr. Patel has over 15 years
experience in developing technology-based services and businesses for a variety of industries.
He brings extensive professional services management skills to the table, including experience at
Andersen Consulting (now Accenture), Unisys, Answerthink Consulting, and Progressive Solutions.
His experience covers broad areas such as security, PKI, access and encryption projects, including
basic strategy and operations design as well as large scale technology implementations. He has worked
with government sector clients, at both the federal and state levels, and with Fortune 500 corporate clients
leveraging technology, policy, and procedures as foundation for streamlined processes and more efficient
business operation.
Mr. Patel has a BS and a Masters in Electrical Engineering from the University of Utah.
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