Stephen Ryan is a founder and COO of CipherTrace. He has 25 years of experience in the security and payments markets. Ryan is the inventor of 3-D Secure, the largest consumer payment authentication solution in the world, with over 150 million consumer users. Mr. Ryan is a Fintech/Security executive and serial entrepreneur and has been an early stage advisor to some very successful Silicon Valley companies including PayPal and Splunk.

As a seasoned executive and entrepreneur, Mr. Ryan helped build and bring to market mobile security company Marble, which is now part of security leader Proofpoint (NASDAQ: PFPT).

Prior to Marble, Ryan was an Executive Vice President at Online Resources and was responsible for Digital Banking and Payment Operations, which was sold to ACI Worldwide. Before Online Resources, Ryan was a co-founder of IronKey, which productized DHS S&T research and ultimately sold over 2 million IronKey devices, the world’s most secure flash drive. Previously, Ryan was Senior Vice President at both Visa USA and First Data where he had responsibilities for both Product Management and Marketing and that included all internet initiatives. Ryan began his career in the Fintech industry at Bank of America, where he developed and managed the bank’s credit card processing systems.

Mr. Ryan holds a Bachelor of Science degree in Management Information Systems from Old Dominion University in Norfolk, Virginia.