Ellen Richey is the vice chairman and chief risk officer of Visa since February 2017. From September 2014 to February 2017, Ms. Richey served as the Company’s vice chairman, risk and public policy. She concurrently served as 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. From October 1999 until October 2005, she served as vice chairman of Providian Financial Corporation, a financial institution, until its acquisition by Washington Mutual. At Providian, Ms. Richey also served as the vice chairman, enterprise risk management and chief legal officer from 2003 to 2005, general counsel from 1999 to 2003, chief enterprise risk officer from 2004 to 2005, and corporate secretary from 1999 to 2005. Ms. Richey was a member of the board of directors of Monitise plc from October 2012 until September 2013. She holds a B.A. in Linguistics and Far Eastern Languages from Harvard University and a J.D. from Stanford Law School.