Senior executive, specialised in the payments sector. Focused on innovation and disruption opportunities. Results oriented, proven track record, meeting objectives, setting up new companies, building competitive teams and successfully completing complex transformation projectsBroad international experience, both in Europe and Latin America. Executive roles roles in Chile, Spain, Belgium and Germany, for both medium sized (Iberia Cards, Multicaja) and big multinational companies (Elavon, Santander, Europay/MasterCard, IBM).Main achievements • Leading the acquiring business project at Multicaja, Chile:o Implementation of the commercial structure, using agile methodology to develop the value proposal.o Close partnership agreements with major providers.o Change company structure to meet the challenge of competing in the acquiring industry. o Successful launch of Multicaja’s acquiring business.• Starting up Santander Elavon Merchant Services (Card Acquiring). Achieving company objectives every year, solving the difficulties of existing conflicting interests from both owners.• Starting up Iberia Cards, a JV of Iberia and three major banks (Credit Card issuing). Successfully transforming the company to cope with a reduction of more than 50% in revenue, coming from regulation.• Moving MasterCard market share in Spain form less than 1% to more than 30% in four years. Mr. Golmayo graduated as a Naval Architect from the Universidad Politécnica (Madrid), and holds a PDD in Business Administration from IESE. He was a lieutenant in the Spanish Navy.