Jeff Stapleton has over 30 years’ experience in the security, financial and healthcare industries with expertise in payment systems, PCI, cryptography, PKI, key management, biometrics and trusted time stamps. A former QSA and TG-3 assessor, Stapleton has instructed at several universities and is the Author of the Security without Obscurity book series: A Guide to Confidentiality, Integrity, and Authentication and A Guide to PKI Operations. He has participated in developing over four dozen ANSI and ISO security standards over the past 25 years, including being a US expert to ISO TC68 and Chair of the X9F4 Cryptographic Protocols and Application Security working group.