CardinalCommerce Expands Data Science and Analytics Capabilities

Cleveland, Ohio – May 17, 2016 - CardinalCommerce, global leader and pioneer in the remote payments industry, announces that they have significantly increased their investment and capabilities in Data Science and Analytics.

Cardinal’s platforms monitor more than 750,000 BIN and MID combinations an hour, and now can collect almost 400 data points for each transaction. This knowledge combined with its market footprint, puts Cardinal in the very unique position to improve authorizations, eliminate fraud and ensure the consumer experience is without unnecessary friction. With this capability and approach, the company can essentially monitor the global ecosystem of digital commerce to ensure their Customers have the highest authorization rates. 

“Recently, we have significantly expanded our capabilities by adding technology and personnel resources to our Data Science and Analytics business group. Our one-of-kind technology can leverage this knowledge to improve authorization rates, eliminate fraud and ensure consumers can buy in the digital marketplace. We are very excited about our future,” said Tim Sherwin, Cardinal’s Executive Vice President. 

To support the growing and one-of-a-kind data science and analytical capability, Cardinal has added an experienced executive to guide this focus. Rick Ziolkowski has joined Cardinal to lead the Data Science and Analytics group. Rick has more than 30 years of real-world payments and security experience, with Citibank as Director, Credit Card Investigations, and most recently, as Payment Security Manager for Amtrak, where he created and developed their fraud risk management program. He incorporated next-generation data and authentication strategies to improve card acceptance, as their business moved towards an omni-channel approach. Among his accomplishments were increasing card authorizations, reducing fraud, and improving consumer satisfaction.

According to Rick Ziolkowski, “I’m excited to work for Cardinal because of their deep experience across the entire payment cycle and excellent culture of always putting the Customer first. Cardinal is extraordinarily and strategically positioned at the juncture in digital commerce as an aggregator / analyzer of data between merchants, issuers, brands and other payment suppliers. Having access to such a wide field of checkout, issuing and ecosystem information will provide countless opportunities to expand value and opportunity for our Customers through our data and analytical services.”

Cardinal protects its intellectual property with 50 issued U.S. and international patents, and has over 100 applications pending.

About CardinalCommerce

CardinalCommerce is the pioneer and global leader in enabling authenticated payment transactions in the card-not-present payments industry, and the largest authentication network in the world. Through One Connection to the proprietary Cardinal SafeCloudTM, we enable friction-free, technology-neutral authentication and alternative payment services (including digital wallets and mobile commerce services). Cardinal services, partners with and complements most providers in the marketplace to deliver their One Connection solution to secure transactions. In accommodating this growing number of payment brands and methods, Cardinal's platforms serve as universal switches, supporting virtually all merchant platforms, wallets, legacy processing systems and authentication methodologies.

CardinalCommerce is headquartered in Cleveland, Ohio and services a worldwide Customer base from facilities in the United States, Europe and Africa. For more information, visit


Media Contact:

Tara Lavelle

SVP Marketing

CardinalCommerce Corporation


[email protected]