Al  Pascual

Senior Vice President, Research Director Expertise Cybersecurity, Fraud Management, Retail Banking, Small Business Banking
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An accomplished industry analyst, market researcher, and financial industry practitioner, Al Pascual is Javelin’s Research Director and Head of Fraud & Security. As Research Director, Al leads Javelin’s Advisory Services and Custom Research businesses. He oversees growth of these businesses while ensuring that Javelin’s research content meets quality standards and provides the innovative perspectives that clients expect from the firm.

As Head of Fraud & Security, Al provides clients actionable insights on a variety of fraud and security issues, acts as a partner in developing strategies for managing risk, and identifies and raises awareness of future threats and solutions. Al researches a range of topics, including the applicability of biometrics in banking and payments, the effect of data breaches on the integrity of consumer identities, the relationship between identity fraud and loyalty, and the best methods for securing payment data and transactions.

Al has presented findings from Javelin’s rigorous, industry-leading research at conferences around the world, including BAI, CARTES, Money20/20, NACHA, and RSA. Al has provided commentary on fraud and security issues to American Banker, Bloomberg, CNNMoney, Fox Business, Reuters, The New York Times, The Wall Street Journal, The Washington Post, and Wired.

Previously Al held risk management roles at HSBC, Goldman Sachs, and FIS. He is a member of the Association of Certified Fraud Examiners, the International Association of Financial Crimes Investigators, and the Federal Reserve Secure Payments Task Force. Al also serves on the board of advisers to the Information Security Media Group. He earned a Bachelor of Arts degree in History from the University of South Florida.

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