Roberto is the Chief Innovation Officer at PwC's Customer Transformation Practice and a Financial Services Partner. He has over twenty years of experience in financial services, customer experience and innovation. Roberto is the co-founder of PwC’s Consumer Lending Innovation Center <\i>. He advises clients on strategy, customer experience, innovation and digitization. As one of the leaders in the in thought leadership initiatives, Roberto routinely facilitates client round tables and is a frequent speaker at industry conferences. Roberto has authored whitepapers on the Metaverse, Embedded Finance, Digitization, Customer Experience, Bionic Lending and the future of the consumer lending ecosystem. His current areas of focus include Embedded Finance, Customer Experience Transformation, and how to succeed in the Metaverse. Roberto holds an MBA from the University of North Carolina at Chapel Hill.