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February 20, 2020

Embarc Collective, Tampa, FL

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David Lott, Payments Risk Expert

Federal Reserve Bank of Atlanta

David Lott is a Retail Payments Expert with the Retail Payments Risk Forum of the Federal Reserve Bank of Atlanta and has more than 35 years of experience in the Retail Banking and Payments industries.


As part of the team at the Retail Payments Risk Forum, Dave works with payments stakeholders in researching payment systems and products, focusing on risks and mitigating strategies. A key area of focus for his present work is customer, transaction and data security issues.


As such, Dave has done considerable work with the wide range of card and payment technologies including biometrics, tokenization and encryption for cards, mobile devices including tablets, phones, other payment form factors, and their various delivery channels including ATMs, ecommerce and call centers.

Retail Payments Risk Forum

The Retail Payments Risk Forum works with financial institutions and industry participants, regulators and law enforcement officials to research issues and sponsor dialogue to help promote the mitigation of risks in retail payments.

Federal Reserve Bank of Atlanta Initiiatives

The Forum is a Federal Reserve Bank of Atlanta initiative and focuses on three primary areas: educating a variety of audiences about risk and fraud in retail payments; analyzing issues and proposing potential solutions through widely disseminated research on topics of concern to the industry as well as sharing appropriate analysis among regulators and law enforcement to help enable them to detect and mitigate risk; and, promoting collaboration among law enforcement, regulators, financial institutions and other industry participants to address risk and fraud issues

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