COMPANY INFO
Discover Financial Services, Inc. was founded in 1985 by Sears. As of 2023, it has approximately 21,100 employees and operates in the financial services industry. Its website is discover.com. The company provides banking and payment services including credit cards, personal loans, and deposit products, and operates the Discover, Pulse, and Diners Club payment networks. It was acquired by Capital One in May 2025, continuing to offer its financial products under the Capital One brand. (Discover.com, Wikipedia, Macrotrends, PitchBook)
Discover Financial Services, Inc. is a leading provider of banking and payment services, operating the Discover, Pulse, and Diners Club networks. Founded in 1985 by Sears, the company now operates under the Capital One brand after its acquisition in May 2025, offering credit cards, personal loans, and deposit products to a global customer base.
The Discover Financial Services, Inc. executive team is comprised of seasoned leaders from the financial services and technology industries, bringing diverse experience in digital banking, risk management, operations, and strategic transformation. The Discover Financial Services, Inc. leadership team supports innovation and business continuity, particularly as the company integrates with Capital One, ensuring steady delivery of financial products and market adaptability.
J. Michael Shepherd was appointed Interim CEO and President in April 2024, leading overall corporate strategy, operational performance, and integration activities for the Capital One merger. Shepherd has overseen board governance, streamlined corporate operations, and championed enhancements to digital banking platforms, reinforcing Discover Financial Services, Inc.'s market presence during a pivotal transition.
Shepherd joined the Discover Financial Services, Inc. board in August 2023. He previously served as Chairman and CEO of BancWest Corporation, Chair of BNP Paribas USA, and General Counsel at The Bank of New York Company and Shawmut National Corporation. His career includes public service as Senior Deputy Comptroller of the Currency and Associate Counsel to the President, plus advisory roles on several Federal Reserve councils. He holds a J.D. and is recognized for his regulatory and governance expertise across the financial industry.
John T. Greene has been Chief Financial Officer since September 2019, managing financial strategy, capital planning, and corporate reporting for Discover Financial Services, Inc. Greene implemented cost-optimization programs that improved operating margins and led the successful divestiture of the private student loan portfolio, directly supporting company profitability and resilience.
Greene’s career includes prior roles as EVP, CFO, and Treasurer at Bioverativ and as CFO at Willis Group Holdings. With eight years of divisional CFO experience at HSBC and 12 years at General Electric, he brings a track record in operational finance and strategic transformation. Greene holds a B.S. in Accounting from SUNY and an MBA from Northwestern University's Kellogg School.
Carrie Blair has served as CHRO since March 2024, steering global HR strategy, talent development, and organizational culture at Discover Financial Services, Inc. Blair initiated the company’s latest diversity and inclusion push and overhauled leadership development programs, elevating employee engagement across all business units.
Previously, Blair was EVP and CHRO at Allstate and Sun Life Financial and is founder of Tayside Group. With over two decades at TD Bank in senior HR roles, she is recognized as a leader in workforce transformation. Blair holds an Honours B.A. from McMaster University and completed the Human Resource Executive Program at the University of Michigan.
Dan Capozzi was appointed President – Consumer Banking in July 2023, overseeing US Cards, Lending, Deposits, marketing, and customer care. Capozzi has led the rollout of new deposit products and digital platforms, significantly boosting card acquisition and customer retention at Discover Financial Services, Inc.
Capozzi joined Discover Financial Services, Inc. in 2007 and has held leadership roles in deposits and corporate finance, following finance leadership experience at Citi and Bank of America. He earned a BBA from Northeastern University.
Jason Hanson became President – Payment Services in July 2023, leading the Discover, PULSE, and Diners Club networks. Hanson has overseen global network expansion, the securing of key fintech partnerships, and enhancements to acceptance and network technology, resulting in increased transaction volume and reach for Discover Financial Services, Inc.
Hanson joined the company in 2019 from FIS/WorldPay and McKinsey & Company, where he led payments strategy initiatives. He is a U.S. Army veteran and holds a B.A. in Economics from West Point and an MBA from the University of Chicago Booth School of Business.
Amy Hellen was named Chief Risk Officer in April 2024, managing enterprise risk, compliance, and anti-money laundering across the company. Hellen has integrated a unified risk framework, improving regulatory compliance and risk visibility for Discover Financial Services, Inc.
Hellen joined as Chief Compliance Officer in 2021 after 15 years at TD Bank overseeing consumer compliance and risk. She previously held roles at Chase, PNC, and Fifth Third Bank. Hellen holds a B.S. from Penn State and an MBA from Syracuse University.
Jason Strle has served as CIO since July 2023, driving Discover Financial Services, Inc.'s technology strategy, digital transformation, and cybersecurity. Strle led cloud migration and AI analytics deployments, modernizing the firm’s core technology infrastructure.
Strle was previously EVP & Group CIO at Wells Fargo Payments and Innovation, and former CIO for consumer banking at JPMorgan Chase. He holds a B.S. in Computer Science from Ohio University.
Keith Toney has led Credit & Decision Management since July 2023, developing data-driven credit models that reduced delinquency rates and enhanced fraud detection at Discover Financial Services, Inc. Toney spearheaded automation in risk decisioning and credit operations, driving improved credit performance.
With over 20 years in IT and analytics at firms such as LexisNexis, Ernst & Young, Connexion Point, and Hartford Financial, Toney holds both B.S. and M.S. degrees in Mathematics from Ohio State University.
Kelly Welsh took on the role in November 2024, leading legal affairs, regulatory compliance, and corporate communications. Welsh managed the legal strategy for the Capital One merger and fostered advancements in Discover Financial Services, Inc.'s corporate governance.
Welsh previously served as General Counsel at the U.S. Department of Commerce and held general counsel positions at Northern Trust and Ameritech, as well as serving as Chicago Corporation Counsel. Written credentials include an A.B. from Harvard College, M.A. from the University of Sussex, and J.D. from Harvard Law School.
Karl Werwath joined in April 2024 as Chief Transformation Officer, overseeing the integration with Capital One and enterprise program management. Werwath was instrumental in launching the Integration Management Office and standardizing project management across Discover Financial Services, Inc.
His past experience includes serving as COO of Bank of the West/BNP Paribas, leading their integration with BMO. Werwath spent 19 years at Capital One, specializing in digital transformation. He holds a B.S. in Manufacturing Engineering from the University of Illinois and an M.Eng. in Management from Northwestern University.
The Discover Financial Services, Inc. leadership team unites established executives from premier financial institutions and technology companies, blending deep regulatory, operational, and technology expertise. Their collaborative approach ensures strong governance, drives digital innovation, and positions Discover Financial Services, Inc. to excel within the Capital One family and the broader financial services landscape.
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