Marcela Ramirez Email & Phone Number

New York, Ny, Us

Purchase, Ny, Us

Drive commercially viable and economically sustainable environmentally focused products and financial inclusion solutions, contributing to Mastercard's ESG business commitments.

Purchase, Ny, Us

Drive global strategy and performance tracking of Mastercard's Financial Inclusion commitment to connect 1 billion individuals into the digital economy by 2025.

San Jose, Ca, Us

Drove product strategy and oversight, regulatory changes, risk and controls, and program governance.

Charlotte, Nc, Us

Advised clients in the financial services industry on regulatory, governance, risk and compliance initiatives. Developed and coached high-performance individuals and teams throughout the organization and during specific client engagements.

Executive Coach with direct expertise in building productive relationships with executive teams, peers and support staff, increasing organizational effectiveness and personal development. Recognized relationship manager servicing institutional and commercial clients in the profit and not-for-profit arenas, both domestically in the U.S. and internationally in LATAM.Executive Coach

New York, New York, Us

Developed and implemented financial inclusion products for unbanked and under-served in the U.S. Analyzed policy and reviewed with policy makers. Managed relationships with not-for-profits, community-based organizations and municipalities with financial empowerment and diversity programs across the U.S.Implemented digital bank as alternative channel for product and program delivery, enhancing accessibility of target population while reducing operating costs.Designed and presented materials for product governance, business practices and compliance committees’ review and sign-off of products and programs in portfolio.Recommended internal policy changes, resulting in product benefits for financial inclusion.

New York, New York, Us

Managed debit and prepaid cards and funds transfer products. Directed product innovation and regulation implementation. Developed marketing campaigns, training programs and sales aids.Oversaw regulatory compliance, anti-money laundering, risk controls and governance for payment products across all channels.Secured management approval for innovation of digital wallets and led launch-to-market new digital products. Drove product maximization, pricing optimization and process improvements and risk controls, leading client experience and online and mobile initiatives across business units.Led EMV chip initiative for debit cards, complying with network mandates and international industry standards.Implemented Dodd-Frank 1073 regulatory requirements for international funds transfers and Court ruling impacts on Durbin for debit cards, ensuring continuity of business while complying with federal regulations.

New York, New York, Us

Managed product suite driving profit and loss, defined operational procedures and internal policy anticipating business issues, oversaw fraud impact, directed technology development and communicated with internal and external stakeholders.Managed funds transfer products, domestic and international, reaching all client segments with an omni-channel distribution.Coordinated development of marketing materials, training programs and sales aids.Partnered with diverse Citigroup businesses, international subsidiaries and institutional business clients, developing comprehensive strategy for managed products, creating international programs to market and serve customers with global needs for all client segments.Oversaw and executed integrated national, regional and local marketing campaigns. Managed marketing budget for product positioning and customer acquisition and retention.

New York, New York, Us

Innovated real-time transfer products and tapped into new markets both domestically and internationally.Developed XB Remittances business for retail bank with innovative technologies targeting an untapped market segment.Created new transfer products and implemented strategic alliances in international payments industry by expanding to 20+ countries.Launched product-bundles and executed integrated bi-national marketing campaigns, reaching thousands of individuals and multiple foreign financial institutions.

Mexico, Df, Mx

Designed, developed and launched payment products serving customer’s bi-national needs.Participated in strategic alliances with money transfer operators and foreign banks.Developed transfer products to capture the 'remittances' money flows to Mexico into the banking system.Contributed to implementation of strategic plans, tapping into Hispanic market, a business opportunity resulting from merger with Citibank.

Mba

Bachelor'S Degree