Discover 2010 Annual Report Download - page 32

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Chief Technology Officer since 1998. In addition, she was appointed to oversee the PULSE network in 2006. From 1993
to 1998, Ms. Offereins was at MBNA America Bank, most recently as Senior Executive Vice President. Ms. Offereins
holds a Bachelor of Business Administration degree in Accounting from Loyola University.
James V. Panzarino has served as Executive Vice President and Chief Credit Risk Officer since December 2009. Prior
thereto, he had been Senior Vice President and Chief Credit Risk Officer from 2006 to 2009, and Senior Vice President,
Cardmember Assistance from 2003 to 2006. Prior to joining us, Mr. Panzarino was Vice President of External Collections
and Recovery at American Express from 1998 to 2002. Mr. Panzarino holds a Bachelor’s degree in Business
Management and Communication from Adelphi University.
Glenn Schneider has served as Senior Vice President and Chief Information Officer since December 2008, and was
appointed to our Executive Committee in December 2009. From 2003 to 2008, he was Senior Vice President,
Application Development, and from 1998 to 2003, he served as Vice President, Marketing Applications. Mr. Schneider
joined us in 1993. He holds a bachelor’s degree in Economics/Computer Science and a minor in Statistics from Northern
Illinois University.
Harit Talwar has served as Executive Vice President, President – U.S. Cards since April 2010. Prior thereto, he had
been Executive Vice President, Card Programs and Chief Marketing Officer since December 2008 and Executive Vice
President, Discover Network since December 2003. From 2000 to 2003, Mr. Talwar was Managing Director for our
international business. Mr. Talwar held a number of positions at Citigroup from 1985 to 2000, most recently Country
Head, Consumer Banking Division, Poland. Mr. Talwar holds a B.A. Hons degree in Economics from Delhi University in
India and received his M.B.A. from the Indian Institute of Management, Ahmedabad.
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