Totaro brings 20 years experience in corporate strategy, marketing, sales, product development, and financial and operations management to ACI, with a proven track record in growing global businesses and leading high performance teams.

"Ron brings an impressive wealth of experience to ACI to complement our executive team," said Philip G. Heasley, CEO of ACI. "His experience in growing and managing global businesses will be invaluable as he leads key initiatives including development of our next five-year plan, growing our on-demand business, contributing to the growth of our risk management solutions, and strengthening our executive relationships with our strategic partner IBM. We are extremely pleased to have him join ACI."

Totaro most recently served as vice president and general manager of global credit scoring solutions at Fair Isaac Corporation, where he led the business to record revenues and expanded the company's risk management solutions into international markets. From 2000 to 2002, Totaro was vice president of interactive marketing and media with AOL Time Warner, managing a $700 million line of business focused on financial services partners. Totaro's previous positions include chief operating officer of the Exchange Path, an Internet payments company owned by CMGI; senior manager of financial services strategy consulting at Andersen Consulting LLP; director of global marketing and corporate development with GE Capital Corporation; and multiple management roles at American Express TRS Company, including director of their corporate purchasing card. Totaro was graduated with honors from the State University of New York at Albany and holds a master's degree in business administration from the Ross School of Business at the University of Michigan.