Tom Frantz is Credit Card Underwriting Manager at Mercury, where he leads credit strategy & underwriting for the company’s corporate card program. With extensive experience in credit risk management and fraud prevention, Tom has built and scaled risk operations at leading fintech firms including Airbase and Gusto. He is recognized for his expertise in developing innovative credit and fraud risk policies, and is an active proponent of industry collaboration to advance fraud prevention and responsible credit practices. Tom holds a Bachelor of Business Administration in Finance from the University of Oklahoma.