Manuel Núñez Frechero Email & Phone Number

Panama

Panamá, Panamá

• Oversaw Backoffice Operations for payments including debit, credit, Nequi, and Acquiring (POS and ECommerce), with a reporting line of 6 leaders and 48 team members.
• Supervised SLA compliance, performance metrics, and automation initiatives for the Banistmo Cards Group, achieving 95% compliance on credit and debit card dispute and transaction clarification requests.
• Managed more than one hundred accounts with an average 9% past due aged entry rate and 90% recovery rate. Tracked Tier 1 incidents within the production day, while monitoring the ecosystem and managing issues in case.
• Project managed included new processing vendor integration, data conversion, and migration for issuer and acquiring platforms. Successfully implemented 2 Migration Acquirer Platform Changes and 1 Issuer Processor.

Panama City, Panama

• Directed Cards Projects for Panama and Costa Rica Operations, collaborating with all business and operational areas, as well as VISA and MC. Executed a Lead Generation System for Cards and implemented 5 Brand Mandates.
• Spearheaded profitability-driven, cost-saving, and automation enhancement initiatives in the Cards Area, including the implementation of Digital Wallets in the Region, such as Apple Pay CR.
• Functioned as a technical and user Implementation Liaison with internal and external service providers.
• Deployed the Layla App for Sales Lead Generation to acquire additional financing loans.
• Developed strong relationships and nurtured key regional and local cards stakeholders for future product implementations and strategic initiatives, resulting in an 8% increase in authorization volumes.

Panama City, Panamá, Panama

• Product Design and Profitability study for MicroFinancing App.
• Setup Scoring System and Rewards. Technical and Commercial Team Coordination.
• Financing Round with potential Partners and Regulators.

Panama

• Managed the shared services operation for Accounts Payable processes and vendor management for Grainger US and Grainger Canada, overseeing accounts volume exceeding $100MM annually, with a 2% Operation Loss Rate during.
• Elevated Employee satisfaction scores from 60% to 95% and achieved SLA Compliance of 90% in Accounts Payable Tickets.

Panama

• Oversaw all aspects of the credit card business operation, including controlling the accounting cycle from start to finish, managing monthly signoff attestation, pending entries control, and follow-up.
• Ensured anti-money laundering compliance across all supervised processes and successfully managed four satisfactory rating audits of the operation.
• Coordinated servicing and customer relationships with the bank's product and sales areas.
• Implemented all technological initiatives related to functional areas under supervision and completed the Card Conversion Readiness program for the Citi Migration.
• Managed and prevented operationally related losses and ensured timely detection and resolution of issues, maintaining a loss rate below 2% of account volume.

Panama City, Panama

Supervised Back office for the Credit & Debit Card Operations for Citibank Panama. Coordinated project implementation with Commercial Area.

Panama Cty, Panama

• Oversaw all end-to-end operational aspects of the credit and debit card operation. With a reporting line of five team members and approximately thirty external vendors in Center of Excellence in the Central American.
• Supported the Migration of the Cards Portfolio to the Scotiabank Platform.

Panama

• Coordinated the execution of data conversion in Central America, previously Banco Uno and Cuscatlán, to the Citi Platform. Tracked, controlled, and reported the project plan during the data conversion phase. Achieved.
• Ensured effective coordination during conversion exercises involving 50 to 200 employees in each country. Timetable completion within schedule, with 40% of portfolios migrated.

Panama

Developed and managed all Payment Processing Projects such as: Feasibility Study for Visa Debit Implementation. Reengineering of the Operational and Acquisition Process for Credit Cards. Defined and executed the Conversion of Banco Atlántico cards that were acquired by Banco Continental.

Panama

 Achieved acquisition and profitability targets for the years 2004 and 2005 without the use of an internal sales force, through branches and Call Centers. Defined and implemented the first Activation, Usage and Retention Programs in the Bank. Designed and launched two new products for Credit and Debit Cards (Visa Prepaid 2005, Visa Cash back 2006).

Panama

 Successfully concluded the migration of the Credit Card Platform (ECS Cardpact to ECS++)  Designed and launched two new products for Credit Cards (Centennial Card and Master Card Rewards). Designed and launched a relationship based pricing program

Panama

 Defined the operation flow for the acquisition, accounting and the disbursement of personal loans. Lead a group of 25 personal loans sales agents.

Panama

 Conducted a training rotation through the cards and customer service departments. Implemented the Remote Delivery Project that involved the delivery of statement and plastics door to door Implemented the Photocard Scanning Project that allowed for the scanning and printing of the customer photo on the card.

Yankton, South Dakota

 Coordinated successfully the merchandise download, distribution and project assignment to the floor personnel with performance within the company established standards. Lead a team of 30 associates. First Latin American Assistant Manager in the area.

Master Of Business Administration (M.B.A.), Business Administration And Management, General, 3.49

Activities and Societies: Soccer team, Hispanic Student Association.

Bachelor Of Business Administration (Bba), Finance, General, 3.77

Summa Cum Laude

Bachiller En Ciencias Y Letras

Activities and Societies: Theater Group, Band.

Education record

Buenos Aires, Argentina