Led creation and establishment of the Data, BI, Analytics and Machine Learning division focusing on applied intelligence and with direct report to the CEO. Managed 10+ data scientists, mathematicians, data architects and developers both locally (US) and across Latam.• Designed IT and ML Architecture for a novel real-time anti-fraud digital transactions solution and successfully implemented it on AWS and Microsoft Azure. Components include mission critical graph database (Neo4j) and Machine Learning clusters that manage peaks of +500 transactions per second real-time, +3.5 billion transactions per year for +15 million customers and prevents +50 million USD in losses per year. The solution was awarded the Graphie award in 2021 (Pioneer - AI for fraud detection in banking)• Enhanced the product offering of anti-fraud solution by conceptualizing, designing and implementing components for: rule optimization via prescriptive analytics, fast rule execution via a new declarative rule engine, and for fraud investigation support via graph link analysis and visualization• Led capacity planning / cost optimization initiatives on the cloud generating a combined +100% improvement in throughput, +30% reduction in response times and +10% cost savings for anti-fraud and BI customer-facing products and services• Designed and implemented a holistic framework to manage +30 Machine Learning Models across the whole ML life cycle for high availability applications• Led the migration of BI platform (Qlik) from on-prem data centers to Microsoft Azure

Headed strategic major overhaul project on Bank's BSA / AML / OFAC Program to address regulatory concerns managing +250 people.• Authored and directed comprehensive multi-tiered / multimillion-dollar Action Plan obtaining results that satisfied regulators and were on-time, on-scope and on-budget.• Rebuilt and staffed whole BSA department (+80 FTEs, +250%), streamlined existing processes, expanded functionalities, and revised tools, training, policies and procedures, resulting in department operating backlog-free, and quality and controls in accordance with regulatory expectations.• Formulated and supervised implementation of new dynamic and behavior-based BSA / AML Risk Rating Framework.• Directed Model Validation and Calibration of AML monitoring system improving model coverage and accuracy.

Managed development, implementation and validation of Risk Management Models, Methodologies and Tools to measure and control Credit, Market and Operational risks across Bank. Reported directly to Bank’s CRO.• Built Risk Analytics team with physical presence in US to assume responsibilities previously executed by Head Office personnel, which resulted in increased independence and reduced regulatory concerns.• Authored Model Validation Policy according to US regulation (OCC 2011-12) and executed model validation plan (+30 models, bank-wide) satisfying mandatory regulatory requirements.• Advisor to Chief Risk Officer providing analytical advice on special projects.

Established and remotely executed Enterprise Risk Management function. Reported directly to Group’s CRO and Bank’s Chairman of the Board. Personally reported on risk management matters at every Board of Directors meeting.• Co-led reshaping of Bank’s strategy and risk appetite, upgraded controls and optimized capital requirements. • Redefined margin lending product, improved and systematized controls and optimized Basel III capital allocation, resulting in portfolio growth (+200%) and capital allocation reduction (-70%).• Designed visualization and analytical tools and dashboards, which modernized delivery of Risk Management reports to Board of Directors, improving their interaction and understanding.• Advised General Manager and AML Officer on AML / OFAC matters.

Co-led creation and establishment of Mercantil’s Global Risk Management Function and managed development, implementation and validation of models, methodologies and tools to measure and control Credit, Market and Operational risks cross multiple cultures, jurisdictions (Venezuela, US, Swiss, Panama and other Latam) and business lines (Commercial, Wholesale, Personal & Private Banking, Insurance, and Asset Management). Reported directly to Global CRO.• Co-developed Risk Management Governance for Mercantil and its subsidiaries.• Developed and supervised implementation and periodic validation of +40 risk models (PD, LGD, EAD, Collections, Economic Capital, etc.) based on Machine Learning and Expert Judgement techniques and including economic / credit cycle adjustments, improving processes and methods for: allocating loan loss reserves, establishing risk appetite and limits, strategic and financial planning, loan underwriting, credit line increases and portfolio stress testing.• Invented and supervised implementation of series of massive analytics-driven real-time fraud monitoring and mitigation models / tools, which improved customer satisfaction by anticipating events and reduced losses by more than 50%. • Standardized and automated statistical performance (back testing) and stability tracking of risk models.• Researched and analyzed US Real Estate historical data in 2004, demonstrated signs of speculative bubble. Counseled and advised Executive Management and BOD of US subsidiary against exposure and established limits, which ultimately reduced loan losses when the Real Estate crisis materialized 2 years later.