22-year career exclusively focused on two areas of expertise:- product innovation - digital financial services (banking and payments) Founded a strategy + design innovation consultancy which leverages hands-on experience acquired at Innovation Centers at several firms: card issuer (Capital One), global microfinance organization (Accion), payment network (Mastercard), and mobile operator trade association (GSMA), complemented by academic training in engineering (undergrad - McGill) and business (MBA - INSEAD). Significant experience in executing concrete deliverables in both product development and adjacent functions (technology, marketing, data, design, strategy, regulatory) that are critical to successfully develop, launch, and manage a digital financial services business. Hands-on, in-country experience in 25+ countries in North America, Europe, Latin America, Africa, and Asia. Previously spent 5 years as Adjunct Faculty (part-time) at University of Maryland, teaching an Innovation and Product Development course (for MBAs), and several years as facilitator for Design Thinking and Lean Start-Up classes (for undergraduates). Specialties:• Product Activities: Product Design, Design Thinking, User Research (Quant / Qual), Value Proposition Design, User Experience Design, Customer Journey Mapping, Business Model Generation, Lean Start-Up, Agile, Stage-Gate, Product Development, Product Roadmap, Pilot Testing, Data Analysis, Customer and Channel Segmentation, Financial Modeling, Value Chain Analysis, Innovation processes.• Domain: Mobile payments (remote, proximity), Mobile Wallet, Debit card / Prepaid card payments, Consumer Banking, Financial inclusion, Fintech, Microfinance, Underserved segments. • Financial Products: Credit, Savings, Remittances / Money Transfers, Bill Payments, Government Payments, B2B Payments, Digital Currency / CBDCs.• Global: Lived and worked in Mexico, Kenya, Norway, UK, Colombia, Canada, and US. In-country projects in 30+ countries; travels in ~90. Fluent in English, French, Spanish (verbal/written).
Listed skills include Technology, Mobile Operators, Services, Financial Services, and 1 others.