Executive team member responsible for Treasury, Trading, Sales & Client Relations units. Responsible to assure competitive advantage with innovative products & services, cost efficiency management and strict Risk/Liquidity policies. Direct report to Country Manager & Group Treasury/Risk Heads. Main responsibilities:• Contributed to achieve 6% market share and 4th net earnings position of 13 brokerage dealers in 3 years.• Built FX & Securities Trading Management unit, while constructing a profitable Investment Portfolio.• Developed strategies to achieve long-term Client Relations with Retail/Corporate/Financial Institutions segments.• Implemented Risk & Liquidity Management policies, including: VaR, Stress Test & Liquidity policies.• Sponsored End-to-End new product definition & actual offerings enhancements.• Board member assignment to Stock Exchange & Securities Brokerage Firms association.• Government & Regulators counterpart including Securities Commission, Central Bank and Ministry of Finance.

Senior Risk & Planning Executive responsible for risk and forecasting administration of personal loans, credit lines, & cards for individuals/small businesses, including portfolio management and risk assessment of operational processes, mainly: Credit Initiation, Collections, Fraud Prevention, Operations, Investments, Market & Liquidity. Direct Report to Country Manager, Board of Directors and Group Risk Manager. 4 direct reports, 216 staff.• Member of Executive, Risk, Financial, Product Development and Audit Committees• Achieved cost optimized operational units, advancing break-even 2 years earlier than planned.• Delivered sustained business growth in 2-years. Clients: 9,490 to 69,314; Assets: US$ 3.8M to US$41.3M; Revenue: US$3.7M to US$ 34.8M. • Implemented Cards Program in 4.5 months, new Collections software in 4 months & Credit Scoring in 4 months.• Developed strong risk/financial Key Performance Indicators, including Multivariable Risk/Profitability reports.• Implemented Massive Programs, i.e. Line Increase, Cross-sell, Loans re-engagement, Risk Based Pricing.

Senior Risk Executive responsible for risk & financial performance of consumer banking products: cards, mortgages, personal loans, credit lines & vehicle loans. Management of full credit cycle processes and Analytics unit. Management of portfolios in liquidation status and new products development. Direct Report to Country Manager and Division Risk Manager for Latin America. 4 direct reports, 115 staff.• Restructured and managed Credit Initiation/Maintenance, Collections & Portfolio Management.• Achieved strong 3-year EBIT growth from US$2.9M to US$ 11.3M.• Joined as guest reviewer Latin America audit process for Peru, Colombia and Puerto Rico. • Participated in Due Diligence to acquire a Personal Loans portfolio.• Latin America Risk reviewer for Venezuela & Panama consumer bank businesses.

Senior Policy & Portfolio Management Executive. Responsible for risk performance monitoring of acquired consumer banking portfolios: Personal loans, Mortgages, Credit Lines, Leasing & Small Business credit facilities. Direct Report to Country Risk Manager. 4 direct reports.• Developed nationwide risk performance indicators for lending portfolios. • Developed process to monitor guarantees and to adopt policy adjustments, including liquidation/run-off portfolios.• Completed Due diligence and value analysis/loss estimation of consumer bank portfolios acquired.• Co-shared development of Strategy Plan to synergize Citibank-CONFIA Portfolio Management units.

Mortgages Risk Management, Senior ManagerJan 1997 – Apr 1998Accounts Management, Assistant to Manager Oct 1995 – Jan 1997Credit & Refinancing Analyst Dec 1994 – Oct 1995