Erik Howell

Senior Manager,

Credit Card Issuing, Merchant Acquiring, Europe


Erik Howell is a Senior Manager in First Annapolis’s European business with personal specialization in credit and debit card issuing, retail cards, and merchant acquiring. Erik joined First Annapolis’s U.S. business in 2001 and has been based in Prague since 2008. Erik advises card issuers, merchant acquirers, retailers, processors, networks and other payments companies on strategy and execution throughout Europe. Erik has led a variety of consulting engagements related to growth strategy, geographic expansion, market research, roadmap development, tactical planning, new product development, and portfolio management, among others.

Erik is also an experienced M&A advisor, including several European banks on the formation of merchant acquiring alliances, performing valuations and buy-side due diligence, and advising on card issuing partnership transactions totaling over $5 billion in receivables, including Edcon on the sale of their 11 billion rand private label business to Barclays; First Annapolis earned the 2012 ‘Deal of the Year’ award from Acquisition International for our role as sell-side advisor to Edcon.


Europe Initiatives
Credit Card Issuing
Merchant Acquiring
Mergers and Acquisitions


University Maryland Robert H. Smith School of Business M.B.A. with concentrations in strategy and finance
The George Washington University B.A. International Affairs with special honors

Professional Background

Joined First Annapolis in 2001
U.S. Department of Commerce

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