John Philip Coghlan is a Partner, Seraph Group. He has served as President and CEO of Visa USA. He served as President, Individual Investor of Charles Schwab & Co., Inc. (Schwab), a subsidiary of Charles Schwab Corp. (formerly, Schwab Charles Corp.) and served as an Executive Vice President of Charles Schwab Corporation. He was the co-founder and COO of San Francisco Grocery Express, Ltd. and has served as a senior associate for a public policy consulting firm in Washington, D.C. Coghlan holds a BA in psychology from Stanford University, an MA in economics and public policy from Princeton University’s Woodrow Wilson School, and an MBA from the Harvard Business School. He is a native of the San Francisco Bay Area