Visa Europe Ltd Board

Visa retains an effective decision-making body in Europe through a revised Visa Europe Board that reflects our new structure as a wholly-owned subsidiary of Visa Inc. and as a Bank of England designated entity.

The role of the Visa Europe Board includes approving the budget for Visa in Europe, tailoring Visa Inc. strategy for the European region and deciding on matters referred to it by the Visa Europe Executive Leadership Team.

Debbie Hewitt

Debbie Hewitt

VE Board Chair & Risk, Audit And Finance Committee Chair,

Debbie is currently Non-Executive Chair of Visa Europe Ltd., The Restaurant Group plc, Moss Bros Group plc, White Stuff Ltd., and Senior Non-Executive Director of Redrow plc, BGL (Holdings) Ltd. and Galaxy Midco 1 Limited (Domestic & General Group).

Her executive career was spent at RAC plc where she was Group Managing Director and prior to that she was in retail management with Marks and Spencer. She is a Fellow of the Chartered Institute of Personnel Development and was awarded the MBE for services to Business and the Public Sector in 2011.

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Jose Souto Gonzalez

Chief Officer, Finance

Jose has over 25 years of professional experience in accounting, finance and treasury, including more than 10 years at Visa where he gained a deep understanding of the payments industry and Visa’s business model.

Prior to beginning this role in Europe, Jose was responsible for the Visa Inc./Visa Europe integration project. Having joined Visa in 2002 as VP Finance for the Latin-America and Caribbean (LAC) region, he soon progressed to Chief Financial Officer of the LAC region in 2004. In this role he was responsible for all financial activities in the region including tax, financial planning and analysis, accounting, treasury and procurement.

Prior to joining Visa, Jose was the Director of Finance and Information Technology at Kodak Polychrome Graphics Latin America, where he led all aspects of the finance and IT function.

Charlotte Hogg

Charlotte Hogg

Chief Executive Officer, Europe

Charlotte Hogg is executive vice president and chief executive officer for Visa’s European operations.

Charlotte brings more than 25 years of experience in financial services, bank operations and management consulting to Visa. Most recently served as chief operating officer for the Bank of England, from 2013 to 2017. Prior to that role, she led retail distribution for Santander in the UK and previously worked at Experian as the managing director of U.K. and Irish operations.

Earlier in her career, Ms. Hogg was a managing director for strategy and planning at Morgan Stanley, and a management consultant at McKinsey & Company, based in the U.S.

Ms. Hogg graduated from the University of Oxford with a Bachelor of Arts degree in Economics and History. She is a Kennedy Memorial Trust Scholar from Harvard University, and has an honorary Doctor of Laws from Warwick University.

Ellen Richey

Ellen Richey

Non-Executive Director,

Ellen Richey is the Vice Chairman, Risk and Public Policy of Visa Inc. Prior to this role, Ms. Richey served as the Company’s Executive Vice President and Chief Legal Officer from January 2014 until September 2014 and Chief Enterprise Risk Officer from October 2007 until September 2014. Previously, Ms. Richey served as the Senior Vice President of Enterprise Risk Management and Executive Vice President of Card Services at Washington Mutual Inc., a financial institution, from October 2005 until June 2006.

Ms. Richey was a member of the board of directors of Monitise plc from October 2012 until September 2013. She holds a Bachelor of Arts degree in Linguistics and Far Eastern Languages from Harvard University and a Juris Doctor degree from Stanford Law School.

Jean-Louis Constanza

Jean-Louis Constanza

Independent Non-Executive Director,

Today, Jean-Louis Constanza serves as a board member with Ingenico, the global leader of payment systems, and is leading a venture in the internet of things area.

In the recent years, Jean-Louis Constanza has worked as Chief Innovation Officer at Criteo, the French-based global ad-tech leader, and has been the founder and CEO of Orange Vallee, Orange’s disruptive innovation unit. Active in the internet industry since 1993, he is a keen digital activist. He advised many companies and took his share in the market development. He wrote many articles on the internet and its technology, marketing and social aspects.

Jean-Louis Constanza is 54 and holds an aerospace engineering degree and an MBA from INSEAD. He is married and a father of 3.

Bill Sheedy

Bill Sheedy

Global Executive, Corporate Strategy, M&A, Government Relations,, Visa Inc.

William Sheedy leads Visa’s corporate strategy and mergers and acquisition efforts, global policy and government relations, and oversees strategic initiatives for the company.

Previous roles have included Group President, Americas, and oversight of Visa's business in North America, Central America, South America and the Caribbean, across nearly 50 countries. Previously, Bill served as President of the company’s North America region. He also played a leadership role in managing Visa’s corporate restructuring that merged multiple regional Visa entities into a single global company, culminating in Visa's successful initial public offering in 2008. Earlier in his career, Sheedy managed Visa’s U.S. pricing and economics strategies.

He joined the company in 1993 as an executive in Visa’s strategy and pricing division. Sheedy holds a B.S. from West Virginia University and an MBA from the University of Notre Dame.