Tom Keithley is the Chief Credit Officer of I4 Commerce. Mr. Keithley brings 20 years of experience in the credit card and retail lending industry to the I4 Commerce team. He possesses a wide range of expertise in areas of credit underwriting, emerging technology, risk management, investment analysis and general management. Prior to joining the I4 Commerce team, Mr. Keithley held the position of Senior Vice President of Investment Analysis for First USA/BankOne. Prior to this Mr. Keithley was responsible for credit underwriting strategies for partner programs at First USA/Bank One. He also spent 10 years with Citibank, where he gained experience in operations, risk management and credit policy.