Andrew Tarbox is CEO of Thornebrook a boutique identity and payments consultancy. Andy brings over thirty years’ experience working as a hands-on executive on some the world’s largest identity and payment systems. Andrew managed the MasterCard team which transformed the world from magnetic stripe to smart cards resulting in over two billion interoperable payment smart cards globally. As an executive at Booz Allen he managed projects migrating access control for a number of US Federal agencies. He was the lead subject matter expert to the Australian government for their national health care card. At St Luke’s University Health Network he is the program lead and architect for their multi-year transformation of automated logical access control for over 400 software applications and 12,000 employees.