Mr. Herring joined our Company in March 2008 as Vice President – Legal Collections and Business Transformation. Prior to joining us, Mr. Herring held various positions at American Express since 1988, most recently as Vice President, Global Commercial Card & Services. Mr. Herring’s prior positions at American Express also included; Vice President and Regional Leader – Global Reengineering / Six Sigma, and Director – Global Reengineering / Six Sigma. His background in other business units at American Express included; consumer card operations, finance operations and strategic enablement services.