Bill Hernandez


Mastercard / Citibank

Bill Hernandez brings more than 29 years of experience in the global financial services, payments, transaction processing, card programs, global card networks, and brokerage industries.

Bill is President of SpendSmart Networks Inc. a payments and mobile loyalty and marketing company. Previously Bill was CEO of Conifer Consulting Group. Bill was also an EVP at Epana a telecommunications and financial services company delivering relevant products (Prepaid Debit, Money Transfer, Bill Payment, Small Business Loans, Pharmacy Discount Cards, etc.) to the Hispanic community in the US and Mexico. Bill also held the position of EVP at First Data Corporation managing the US card, processing and output services businesses.

During his 7 years at MasterCard International, Mr. Hernandez was a Senior Vice President of the Americas, managing the national sales and account relationships for the largest US-based financial institutions.

Prior to MasterCard, he was employed by Citibank for 11 years, where he held various senior executive positions where he spearheaded global consumer banking and consumer card product and channel advancements for Citibank’s businesses in the United States, Asia, Latin America and Europe. Mr. Hernandez also held executive positions at Financial Guaranty Insurance Co., Shearson American Express and Manufacturers Hanover Trust Company.

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