Andrew joined Capital One in 2018, following the company’s acquisition of Confyrm—a startup focused on developing leading edge identity fraud detection and alerting systems, including identity validation and contraindication mechanisms. Prior to founding Confyrm, Andrew developed consumer identity vetting and verified information systems as CTO for Trulioo. In this role, he investigated and developed alternative identity validation services for online establishment of real world identities. Formerly, Andrew was Director of Identity Services at Google, operating the largest consumer identity provider in the world at that time, managing over billion consumer and enterprise identities. As Senior Director of Consumer Identity at PayPal, he managed over 350 million identities validated for use in financial services, complying with US Banking, AML and anti- terrorist funding requirements. As Director of Technologies at RSA Security, Andrew worked on a wide range of identity and security systems. A leader in PKI and Web-Services markets, he has co-authored numerous Web Services security specifications and is author of a book on Public Key Infrastructure. Andrew was a founding board member at the OpenID Foundation, the Open Identity eXchange (OIX) and the Information Card Foundation. In 2006, he was recognized by InfoWorld as one of the "Top 25 Most Influential CTOs”. Andrew is a graduate of the University of Sydney and holds a M.S. degree in software engineering.