R.D. Joabar is the Group President of Global Commercial Services at American Express, overseeing a division that delivers innovative payment, financing, and business management solutions to millions of small, medium, and large enterprises worldwide. With more than 25 years in financial services, Joabar has built a distinguished career marked by strategic leadership and a deep commitment to empowering businesses through technology-driven commerce. Joabar joined American Express in 2008 after holding senior roles at Citigroup and JPMorgan Chase, where he spearheaded corporate treasury and payment initiatives across Asia-Pacific and North America. At Amex, he progressed rapidly, launching groundbreaking products like the PayFlex suite and expanding the company's footprint in digital B2B payments, which contributed to double-digit revenue growth in commercial services over multiple years. His achievements include multiple industry awards, such as the "Best Commercial Payments Provider" from Global Finance, and fostering key partnerships with tech giants to integrate seamless payment ecosystems. In his current role, Joabar drives Amex's global commercial strategy, emphasizing sustainability, data analytics, and AI-powered tools to help businesses optimize cash flow and scale operations. Under his guidance, Global Commercial Services has seen unprecedented adoption rates, solidifying American Express's position as a leader in the $120 trillion global commercial payments market while prioritizing inclusive growth for underserved segments.