Hoyt L. Kesterson II is a Senior Security Architect with Avertium née Terra Verde. He has more than 40 years of experience in information security. For 21 years he chaired the international standards group that created the X.509 public-key certificate, a fundamental component in digital signature and securing web transactions. He is a co-chair and founding member of the ABA’s Information Security Committee. He is a testifying expert. He is a PCI QSA who helps clients meet compliance requirements for ensuring that the integrity and confidentiality of payment card data are maintained. He holds CISSP and CISA certifications.