Building a top tier / challenger neobank in the marketplace while pivoting the traditional bank into a digital, agile, human centric, and data driven organization.Leveraging a world class innovation framework (Harvard Business School’s), an unprecedented investment, as well as tier No. 1 global partnerships.Reporting directly to the bank CEO, building a multi-cultural & multi-regional organization with dedicated teams for Incremental Innovation, Disruptive Innovation, Advanced Technology, Research, Design, Analytics, and Agile Development, enabling dozens of authentic change agents and above all, exceptional human beings.

• Leading the Design Thinking & Agile frameworks implementation across the +400 employees in the Product structure and partner areas, fostering collaboration and innovation for navigating through the Digital Transformation in the organization• Driving culture shift / Change Management through the design and execution of new interaction models as well as new innovation and backlog ownership frameworks• Design, development and release of new digital & payment capabilities for the Consumer portfolios (Cards, Liabilities & Investments and Personal Lending) in partnership with the delivery channels

• Design and execution of key transformational initiatives for the proprietary US cards portfolios, having Product, Digital, Rewards and Fraud Prevention units as main business partners• Selected from an intensive global recruitment process• Global Expat / living in NYC (L1 Visa)

• Appointed the first Agile Product Owner in México, leading a Top 12 / 2020 transformational digital initiative (within New Mobile Banking)• Managing a multi-cultural / multi-regional team (+130 members from +6 different countries)• Core member of the design and Regional implementation of the Digital Transformation• New business assets delivered for the Regional Consumer Banking - Self-service & Payment Capabilities - Technology Infrastructure (API’s, Softlayer) - Interaction Model (Agile/Lean Startup/Design Thinking)• Winner of 2017 Progress Awards Execution Champion Category, presenting Agile Factories Model project to Mike Corbat and the brand council in NYC

a) Aeroméxico Card revamp• Brand strategy re-design to boost the life cycle performance (mainly activation and retention)• Marketing campaign to launch new card name and card image to re-position the product• Negotiation and creation of new joint sales channels and promotions with the business partner• Margin improvement - ROA: From -2.41% EO’12 to 3.28% EO’14- After being a chaotic portfolio, it became the most profitable one in Banamexb) Partnership termination & Portfolio migration• RFP preparation & E2E negotiation strategy• Migration strategy, being the most complex business project in years (Global Chassis / new product family launch)• Record results were obtained from the migration strategy (only 11% ANR loss Vs +20% expected)• A +200 M USD portfolio was saved from Santander intensive prospectionc) Global Chassis, Global Rewards, Chesapeake & AM Migration integrated projectAs an E2E strategy leader, it was achieved a never seen before time-to-market (6 months only)

• Consistently delivering two-digits YoY portfolio growth along my administration• Successful negotiation to integrate the portfolio to a global structure (previously managed locally)• 360° portfolio re-design (branding, commercial, servicing, operational and value proposition models)• Assessment, negotiation and formalization to acquire new core Tech platform (Account Receivable)• Creation of the greatest sales pipeline in the history of the product• Identification, negotiation & approval of a new segment category to acquire new business (Small Market Companies)• Commercial integration with other Citi markets

a) Fixing the basics• Existing processes stabilization and improvement• Definition of business objectives and client profile targetb) Margin improvement• Internal positioning & awareness of a margin improvement opportunity• Negotiation strategy to pricing changes with Wal-Mart• Flawless project execution coordinating internal & partner’s areas• Increased profitability PTI / EBT (+ 1.1 M USD, +37 bps)• Market mitigation strategy due to pricing changes• Deployment with all customer-facing and support teamsc) Best-in-class product construct:• Primary growth driver in division• +70% billings growth Vs previous year (EO Q3 09) • Best-in-class global business performance despite economic downturn• Primary driver to new-business acquisition to overall portfolio• Winner product of the President’s Award (Global recognition granted by the CEO Ken Chenalult in NYC)d) Commercial readiness:• Card no present transactions: one of the greatest business-driving strategies for 2010• Partner-driven Lead Generation: negotiation of partner’s customer base plus a new way prospect leads• Joint commercial efforts: partnership approach as never done before with Wal-Mart and with an AMEX partner• Re-definition of target customers, branding, value prop & distribution strategiese) Consulting services• Membership Rewards enhancement• Release the Potential marketing campaign local deployment• Benchmarking for other markets & lines of businesses• Member of Sharpen Your Skills Global Steering Committee

a) Tax Payment Solutions: • Design and execution of 2008 most important business-driving project• 27 direct reports, 33 indirect reports• 125% billings above target, 105% vs previous year, 227% increase in operational capacity• Only 0.7% margin of error.b) Business integration with Amex’s AcquirerFirst interaction with the acquirer to create an affiliation pipeline based on spending needs.c) SAM’S Card revitalizationProduct re-launch with new value proposition*****As a third-party consultant:a) Call center platform, migration from legacy technology to IVROperational and BCP processes creation and modificationb) Credit Bureau Reporting• Full redesign of bureau reporting of Consumer Cards and Personal Loans divisions • Full Consumer Cards and Personal Loans financial reporting modifications to Trans Union & CB c) Insurance Services initiation• Creation of Insurance Services platform outsourced by a broker, migrating business and operational information from Insurance Services suppliers• Launch of operational partnership with brokerd) Embossing and utilities enhancement to Consumer Cards divisionTech-related project to improve business capabilities