Harit Talwar is President - U.S. Cards, for Discover Financial Services and as a member of the company's Executive Committee plays a key role in driving overall strategy. He is a senior business leader in global financial services with over 20 years of experience in cards, retail banking & payments in the U.S., Europe and Asia.

Prior to assuming his current responsibilities, Mr. Talwar was Executive Vice President of Discover Network where he oversaw business model transformation and rapid growth, including the acquisitions of PULSE, a leading debit/ATM network; Diners Club International, a global payments network; and strategic partnerships with China UnionPay and JCB - leading networks in China and Japan, respectively. Before that, Mr. Talwar was Managing Director of Morgan Stanley's Consumer Banking Group International. Prior to that, Mr. Talwar spent 15 years at Citigroup working in India, the Middle East, the United States and in Europe. During this time, he held a number of senior roles including general management and country management positions in cards, loans and retail banking.

His involvement with developing start-up businesses, driving business acquisition/integration and managing large/global businesses has enabled him to obtain diverse experience by geography, product groups, functions and business areas.

Mr. Talwar holds a B.A. Hons Degree in Economics from Delhi University in India and an M.B.A. from the prestigious Indian Institute of Management, Ahemdabad. He is on the Governing Committee of the Chicago CMO Summit and trustee of the American India Foundation. Being interested in causes related to education and children/women empowerment, he has also held various leadership positions with the American School of Warsaw, Poland; the College of Lake County, Illinois; Children's Memorial Hospital, Chicago, Illinois; and Pratham UK.