Heather Altepeter is the CEO, Founder and Owner of National Merchants Association, an innovative FinTech company, pro-business advocate and payments acquirer. She is a progressive leader and voice of significance in the payments industry, personally pioneering a new era in bankcard by demonstrating that High Risk Done Right ® is both possible and attainable. NMA advocates for e-commerce merchants by representing merchant interests to card brands and issuers, as well as legislators and regulators.