Discover 2015 Annual Report Download - page 41

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-25-
joined Discover in 1991 and has held leadership positions in many areas, including Rewards, Portfolio Marketing,
Acquisition, Brand Management and Product Development. Prior to joining Discover, she held various marketing
positions at Anheuser Busch, Inc. She holds a Bachelor’s of Business Administration degree in Finance from The
University of Texas at San Antonio, an M.B.A. from Loyola University Chicago and attended the executive program at
The Amos Tuck School at Dartmouth College.
Carlos M. Minetti is our Executive Vice President, President of Consumer Banking. He has held this role since
February 2014. Previously, he served as Executive Vice President, President - Consumer Banking and Operations (2010
to 2014), Executive Vice President, Cardmember Services and Consumer Banking (2007 to 2010), and Executive Vice
President for Cardmember Services, and Chief Risk Officer (2001 to 2007). Prior to joining us, Mr. Minetti worked in
card operations and risk management for American Express from 1987 to 2000, most recently as Senior Vice
President. Mr. Minetti holds a Bachelor's degree in Industrial Engineering from Texas A & M University and an M.B.A.
from the University of Chicago.
Diane E. Offereins is our Executive Vice President, President - Payment Services. She has held this role since April
2010. Previously, she served as Executive Vice President, Payment Services (2008 to 2010) and Executive Vice
President and Chief Technology Officer (1998 to 2010). In 2006, she assumed leadership of the PULSE network. Prior
to joining us, Ms. Offereins worked at MBNA America Bank from 1993 to 1998, most recently as Senior Executive Vice
President. Ms. Offereins holds a Bachelor's degree in Accounting from Loyola University New Orleans.
James V. Panzarino is our Executive Vice President, President - Credit and Card Operations. He has held this
role since December 2014. Previously, he served as Executive Vice President and Chief Credit and Card Operations
Officer (2014), Executive Vice President and Chief Credit Risk Officer (2009 to 2013), Senior Vice President and Chief
Credit Risk Officer (2006 to 2009), and Senior Vice President, Cardmember Assistance (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.
R. Douglas Rose is our Senior Vice President and Chief Human Resources Officer. He has held this role since
April 2013. Prior to joining us, he served as Vice President, Human Resources at United Airlines from 2009 to 2013.
He was also Senior Vice President, Human Resources at Capital One and a Human Resources consultant for Hewitt
Associates. Mr. Rose holds a Bachelor's degree in Communications from the University of Pennsylvania and a Master's
degree from the University of Michigan.
Glenn P. Schneider is our Executive Vice President and Chief Information Officer. He has held this role since
January 2015. Previously, he served as Senior Vice President and Chief Information Officer (2008 to 2015), Senior
Vice President, Application Development (2003 to 2008), and Vice President, Marketing Applications (1998 to 2003).
Prior to joining us in 1993, Mr. Schneider worked for Kemper Financial Services as a Programmer. He holds a
Bachelor's degree in Economics/Computer Science with a minor in Statistics from Northern Illinois University.