 Credit Card Issuing Programs implementation and business development with Visa Issuers banks in Panama. Credit Card Issuing Programs implementation and business development with MasterCard Issuers bank in Costa Rica.  Strategy design and execution of business plans with VISA and MASTERCARD card payments products. Portfolio development of USD 7MM with VISA and MASTERCARD Corporate and Business Credit Card products in the SMEs and corporate companies segment in two year as a general manager. Design and development for the Business & Corporate Credit Card Product a powerful tool for management and control of business spending for Regional companies / Corporations in Central America and Panama. (Features and capabilities fully online: Merchants control (MCC) per user, distribution of credit or funds available by countries / cities, hours of use, autonomy accountability by user, payment of suppliers, services, increase in the term of payments, other functionalities and added values oriented to The productivity of the business of the companies) Structuring of the areas and the work team of the Financial Company MEDIOS DE PAGO FC S.A in Costa Rica Implementation of business processes and credit policy manual for the regional offices. Design and implementation of Versatec Mobile Wallet project for companies. Management and approval of financial resources with different sources of international and local funds.

 Structuring and Implementation of the Electronic Card Payment Processor Company VERSATEC in production with its 4 verticals of transactional applications services: Issuer, Acquirer, Switch and Authorizer. As well as the areas of TI, operations, projects, quality control, commercial and services. Certification of the processing platform of VERSATEC: Issuer and POS Acquiring EMV Processor with VISA. Issuer EMV Processor with MASTERCARD with the commercial alliance with the National Bank of Costa Rica. (BNCR), e – Commerce with Cardinal Commerce. Significant business accomplishment deals with clients. Successfully implementation of the projects: Issuing, Acquiring and Switching processing services in: Honduras, El Salvador, Costa Rica and Panama with VISA and MASTERCARD, debit and credit cards products, also with Proprietary Credit Cards. Implementation of business and operations processes and SLAs, Security and Compliance policies. Achievement obtaining the VISA Member License for Panamá and Central America.

 Strategic advisory dedicated to the necessities of Financial Institutions focus in: effectiveness - efficiency- productivity. Formulation and execution strategically plans and business plans. Oriented to increase sustancially the companies revenue in the short and middle term. Structuring, implementation and develop of financial products and services projects: savings, credit, investment banking, payment solutions (debit, prepaid, credit cards, corporate, smartcards, remittances, insurance, other) Business process implementation.

 Strategic Advisory for business development to CEO and board of directors. Financial services and products implementation: correspondent branches in stores, mobile banking, electronic payment solutions, e- commerce, e - banking, biometrics services, debit, credit cards products, remittances, and insurance products. Formulate and business plans execution orientated for income increase.

 Implementation of business schemes for Co Branding MasterCard credit card and prepaid products, mobile banking with financial institutions en Bolivia and Central America. Formulation and development of strategies and business plans. Structuring of the areas of operations, security and monitoring, business / commercial, and services. Implementation of business processes. Preparation of manuals and policies.

 Achievement obtaining the MASTERCARD Member License for Central America. MASTERCARD Prepaid card product implementation in Central America. Service certification with the processor company in Argentina. Fully implement of the Card Payments unit: Operations, Business, Marketing, Customer Service, IT, Compliance, O & M, as well as management advice in the preparation and review of policies, manuals, controls, parameters, processes, marketing plan And sales plan. Design and implementation of analytical management board of the remittance business an the new prepaid product.

 Consultative services in the implementation for business solutions in projects with Financial Institutions and Banks in the region: banking systems (CBS), ACH systems, payment systems with international brands (Issuer / Acquirer), mobile banking , Business analytics (BI), business process management (BPM), management tools and management, sales / services (CRM), security and risk solutions.

 Structuring of business plans oriented to developing financial inclusion strategies at the base of the pyramid. Implementation of business processes in the areas of: operations, business / commercial and financial services. Structuring of the project for VISA and MASTERCARD credit and debit card products. Implementation of the correspondent agent banking project (Mini branches) in stores of the Microfinance and Financial Networks Establishment of performance indicators for financial products and services (KPI / KPD)

 Productive development of the bank's business lines with financial products and services as well as business branches development. Achievement of goals in strategic plans and business objectives assigned. Business leader for the conversion project from financial institution in to a commercial bank in 15 months before the estimated time. Increase in customer portfolio of deposits by 130% (USD 86 MM). Substantial increase in financial income through alternate business lines in; Remittances, credit cards, and commercial alliances in an annual average of 15%. Obtaining lines of credit with international banks and funding institutions at the target time. Increase of the network of branches from 20 to 32 branches throughout the country, as well as correspondent business branches in rural areas. Formulation and development of strategic plans and business plans ahead of the expected time, generating new business and income to the bank As Director of Strategic Projects, I implemented and launched in the country the first correspondet business branches model in commercial stores. An innovative financial services solution model, to serve the population in sub or non-banked rural areas. Solution designed with integration architecture of products and services, oriented to the masification in access of services and coverage of attention for the clients. Implementation and launch of financial products and services, as well as their commercial development: current account, mortgage credit, remittances, micro insurance, payment of public services, issuance of VISA credit cards, issuance and acquiring of smart cards Private Label. (Functionality: online / offline) Design and implementation of business management boards (KPI), operational policies and management controls. Automation of the bank's business processes.

 Implementation and business development of the credit and debit card VISA products. Achievement of goals in strategic plans and business objectives assigned. Achievement in stabilization before the scheduled time (6 months), from the Post migration process of credit and debit card processors CREDOMATIC to VISA Argentina S, A.(VASA)  Fully implement of the credit and debit card department: Operations, Business, Marketing, Customer Service, IT, as well as products manuals, policies, controls, parameters, business processes, marketing and sales plan. Increase of accounts portfolio by 40% (30K), increase in billing credit card 60% (USD 3.7 MM), debit card 102% (USD 4.4 MM) Substantial increase in income from financing and commissions, maintaining The contagion levels of the total portfolio according to the standard market indicators. Formulation and development of strategic plans, business plans and operations plans. Successfully project implementation: acquiring model ATM (100%), POS merchants (50%), commercial and operational intelligence boards, CRM tools for sales and services. Implementation and launch of new commercial products: Visa Business, FINCA International Visa Prepaid (first prepaid product in the market), co - branding models, co-issuing models, automatic debits, bill payments, and loyalty programs.

 Acquiring business development with merchants / companies affiliated into the CREDOMATIC payment network. Achievement of goals in strategic objectives assigned. (BSC) Overachievement of goals in BSC; Affiliation of new businesses 20% annual average, increase in total annual turnover. (USD 266 MM) as well as financial income from commissions, insurance and other services. Strategic business deals with new high-end affiliated companies. Definition and implementation of management processes and services oriented to efficiency and productivity. (controls, parameters, management boards and business intelligence metrics) Formulation and development of business strategies. Member of the regional team for strategic business projects. Successfully implementation and development of new products and services: launch first service in the country of telepayments (1-800-1524), first e-commerce service and automatic debit services, co- branding and co-issuing programs with local banks, ISO project certification.