Denise Pickett is President of U.S. Consumer Products & Services at American Express, which includes the company’s U.S. Charge Card and Co-Brand portfolios, the industry-leading Membership Rewards program, as well as the Travel & Lifestyle Services group. In this role, Denise is responsible for leading the creation and management of products, benefits and services that empower consumer Card Members along their journeys by providing great value, rich rewards, unmatched service and protections. Prior to leading U.S. Consumer Products & Services, Denise was President of American Express OPEN, the leading card issuer for small businesses in the U.S. In this role, Denise was responsible for supporting business owners and entrepreneurs with products and services to help them run and grow their businesses. This included business charge and credit cards that deliver purchasing power, flexibility, rewards and savings on business services from a wide variety of partners. Denise joined American Express in 1992 and has held a series of senior marketing positions in the consumer, small business, commercial card and US Loyalty divisions. Denise was Executive Vice President and Chief Executive Officer, U.S. Loyalty, where she led the strategy to explore loyalty program opportunities in the U.S. Prior to this position, Denise served as Executive Vice President of Product Management and Acquisition for American Express OPEN. Denise was also Senior Vice President and Country Manager for American Express Canada, leading the consumer and small business divisions and serving as President and CEO of American Express Bank of Canada. Denise holds an MBA in marketing from the Schulich School of Business at York University and earned her Honours BA in Human Biology and Physiology from the University of Toronto.