We solve everyday problems of underserved small merchants' ecosystem in select emerging markets.Our merchant services brand, yufin, makes small businesses bigger. Saves time, helps them get online, sell more, accept digital payments and get access to cheaper capital. Miti Ventures also makes early-stage investments in promising ecosystem partners that share our mission and complement yufin.

$8B, 80,000-employee global conglomerate in LATAM and U.S., offering 7,000+ global points-of-sale through 7 entities including:Banco Azteca – top two retail bank in Central America disbursing 50% of the $30B/yr US-to-Mexico remittancesElektra – top three merchandise retailer in Central America with 3,000+ locationsAdvance America – #1 U.S. provider of alternative financing solutions across 2,400 stores and onlineLed the organization in innovative new strategies and partnerships with leading Fin Techs and partners. Develop revolutionary new solutions, business models and products across the lines-of-business. Manage cross-border and cross-functional teams• Develop strategy for building a cross-border digital financial services eco-system: leverage platform to engage millions of customers and generate new cross-product revenue streams• Develop use cases to leverage Blockchain for remittances, correspondent banking, and supply-chain payments• Led artificial intelligence strategy and partnership to increase revenue and online conversions by over 30%• Leveraged Grupo’s scale and influence to improve terms with market leader in remittances, saving over $2MM• Resolved crippling impasse between marketing and the online business by leveraging a cutting-edge firm to identify SEO and paid-search lapses to improve conversions on $20MM/year marketing budget• Launched trial with facial recognition and RFID to track consumer traffic patterns and reduce queue wait by over 25%• Led digital strategy and evolution across mobile banking, P2P and omni-channel solutions. Developed concepts leveraging alternative payment form-factors and branded phones to drive customer adoption, payments and digital services• Established Innovation Days for Executive Management Team. Initiated equity investment reviews for companies meeting strategic criteria• Drive partnerships with industry leaders including Samsung, Facebook, Ripple, MasterCard, Visa, NXP and international banks

Led a global team in developing the strategy and deploying advanced innovative transformational mobile/digital solutions across verticals, including financial institutions, retailers, gas stations and airlines. Solutions created included loyalty, QR, remote-payments (MasterPass/Cloud) and in-store at POS (NFC/HCE). Managed P&L.• Developed MasterCard’s digital strategy for engaging major financial institutions by deploying sophisticated emerging digital and mobile platform services and capabilities: o Initiated $100MM 10-year global digital platform deal with major global bank to provide services including HCE, online and mobile banking o Initiated $25MM multiyear contract to provide digital platform services to major global airline and co-brand• Created merchant strategy to drive innovation and adoption of MasterCard services starting with the global gas station vertical • Provided strategic digital/mobile consulting to major banks, big box merchants, online retailers and airlines• Partnered with emerging Fin Tech companies across various verticals and presented for potential equity, M&A investment. Structured, negotiated and managed major global strategic partners and all partnerships in the Americas• Advised leading Fin Tech/start-up companies in smart cities, airports, medical, retail, contextual awareness, unbanked/under-banked, micro-payments, blockchain/bitcoin and African marketplace• Established innovation laboratory showcasing latest emerging payments technology• Member of the Executive Management team responsible for driving the integration into MasterCard

C-SAM was acquired by MasterCard in February 2014. Managed global partnerships and innovation strategy for financial institutions, networks and retailers, leveraging C-SAM advanced mobile payment technologies.• Developed and enabled leading edge advanced mobile commerce strategies and solutions across NFC, QR, Cloud, offers, loyalty and remote payments (online/mobile)• Member of the Executive Management team, responsible for sale to MasterCard in 2014

Focused on major new global opportunities and strategies in the mobile and digital commerce spaceDeveloped GEP’s strategy to make Citi the “World’s Number #1 Digital Bank”, leveraging Citi’s global payment capability and institutional client relationships in 140+ countries to drive new opportunities. Managed major global partnerships and new business development opportunities across numerous technology verticals ranging from major global brands to unique best in class start-ups.• Co-founded the Google Wallet with Google engineers. Originated the conceptualization, strategy and implementation of the Google Wallet, the first U.S. commercialization of NFC • Partnered with Apple and Samsung on the development of Apple Pay and Samsung Pay mobile payment initiatives• Drove new mobile payment capabilities for Citi Retail Services’ private label card business (#1 market share in the U.S.) with 100MM+ accounts and 800MM+ transactions annually, with the top U.S. retailers• Launched trials with MCX merchant group focused on building new emerging payment consortium• Developed business opportunities with ISIS/SoftCard, an AT&T, Verizon and T-Mobile consortium• Advised RAMP Retail on advanced commerce/mobile solutions for over 400 retail members• Led all aspects of deal flow including legal, finance, technology and marketing

Drove global strategy, innovation and strategic partnerships in digital and mobile payments. Led major global initiatives including strategy, partner selection, business model development, deal flow, negotiations and execution. Spearheaded trials, commercialization and marketing for new products and services. Leveraged U.S. best practices across EMEA, LATAM and Asia.• Launched over 10 new innovative products and services including mobile banking, mobile payments, location-based-services (LBS) and new payment form-factors• Launched Citi Card’s first mobile banking application service, securing millions of users and increasing loyalty and revenue• Led the effort to be the first major bank to commercially launch mobile payment tags. Developed overall program strategy and execution for this large-scale deployment of mobile payments at POS: o Payment Tags awarded by American Banker as a Top 5 Mobile Banking service in 2010o Deployed over 3MM tags, increasing spend and revenueo Commercially launched MYCITI, Citi’s first N.A. two-way SMS account management serviceo Launched NYC subway trial, leveraging tap and pay contactless paymentso Launched largest NFC trial to date (+3,000) in Bangalore with Nokiao Created Citi’s first beta location-based services (LBS) shopping app, the first banking institution to link local product search to local deals and card offers• Drove mobile innovation initiatives in international markets including India, Korea and Singapore• Identified new emerging FinTech companies and evaluated suitability for investment• Managed extensive PayPass program with over 1MM fobs issued, increasing spend and revenue• Developed new marketing campaigns, increasing mobile banking adoption by over 50%

Founding member of Citi’s Global Innovation and Ventures team. Spearheaded research and development of new transformational innovation strategies including assessment framework, business development and implementation of new models across Citi’s global consumer businesses: Retail Banking, Online Banking and Credit Cards.• Evangelist responsible for initiating Citi’s work in the mobile space. Secured senior management support to build Citi’s global innovation team and commitment to digital • Headed U.S. strategy and strategic partnerships with new and emerging Fin Tech companies launching new products and services through external networks, venture capital firms and private-equity groups, expediting the bank’s foray into digital/mobile technology• Analyzed innovations in branch of the future, test/lab spaces and virtual economies • Led advanced payments initiatives in the domestic and international mobile space, including contactless payments, RFID, NFC, SMS banking, peer-to-peer, mobile-wallets, loyalty and couponing:o Initiated and led Citi’s first public mobile NFC trials including the NYC mobile payment trial with AT&T and Nokia, laying the foundation for pay wallets including Google Wallet, Apple Pay and Samsung Payo Led Citi’s first P2P real-time payments trial across Citi Credit Cards and Retail Bank with Obopay. Conceptualized, developed and built the first prototypes of a Citi branded NFC enabled phone

Launched new Portfolio Pricing and Analysis group for $35B lending portfolio.• Co-developed corporate credit card strategy and goals with group CEO• Analyzed portfolios and pricing across major consumer and small business units

Led start up initiatives including business development, strategy and finance efforts for Plenti, a $150MM rewards loyalty coalition. Reported to group CEO.• Directed strategy, business model and optimal corporate structure for the venture• Negotiated partnerships with investors, VCs, investment banks, technology partners and retailers

Leading member of cross-functional team tasked with re-branding and launching of OPEN: Small Business Services Network and the setting of the on and off-line strategies• Led the structuring and negotiating of equity investments, marketing partnerships and joint ventures to bring new functionality to card members in an effort to reduce costs and recognize new revenue opportunities

Led team re-branding and launching new strategy for OPEN: Small Business Services Network.• Served as finance point person on team responsible for building, pricing and launching lending line of business, now branded as Blue Business Card for small business owners• As portfolio CFO, managed $100MM+ P&L of the OPEN lending portfolio• Structured lending business and negotiated equity investments, marketing partnerships and joint ventures