Ruben Dario Araiza Email & Phone Number

Tucson, Arizona, United States

• Developed optimization of income software for local governments, including municipalities, water companies, and states, using Big Data and Machine Learning, resulting in increased revenue without raising tax rates.• Design innovative financial structures to lower risk and save cash flow for infrastructure projects like roads, water plants, and real estate• Provided financial advisory services and conducted cost-benefit analysis to finance public-private partnerships and concessions

Tucson, Arizona, United States

Business financing for growthFind Capital Sources for projectsOptimize the financing process, lower costs, risks, and timeReal Estate FinancingFinancial Advisory

Tucson, Arizona, United States

Financial Structuring and Advisory.

Sonora, Mexico

·Implemented changes to the State Constitution and the following State Laws: Public Budget and Expenditure, Public Debt, Public-Private Partnership, Municipalities Governing and Administration, Public Assets and Concessions, to comply with financial discipline principles and to incorporate lessons learned.·Integrated the State revenue into the banking system by adding more than 1,500 bank branches, commercial establishments, and web services as payment recipients for state contributions, in addition to the pre-existing 26 tax offices.·Modernized the state legal revenue structure, mainly the state Tax Code, in order to simplify the use of technology for tax collection, transparency and payment.·Oversaw the growth of State Revenue, from 5,500 million MXN in 2015 to an estimated 7,000 million MXN in 2017 (+27%), without creating new taxes or raising rates.·Convened special programs in partnership with the federal government, through which the informal economy was reduced from 65% to 49% by incorporating 37,000 new tax payers to the system (+38%), elevating their socio-economic wellbeing since they are now beneficiaries of social security, housing grants and have become credit worthy.·Coordinated the development of the first state public-private partnership (PPP) project: 200 liters/second desalinization plant located in Empalme, Sonora. Obtained a 49% grant from the Federal Infrastructure Fund that lowered the cost of the project for the state. The plant will provide water to a population of 250,000 inhabitants, half of whom currently receive running water only 3 days a week or less.

Hermosillo Sonora Mexico

·Designed the first structured bank loan for a Municipality in Mexico backed by Property Taxes, for Cajeme, Sonora. Recognized as Highly Commended Loan for the Americas in 2014 by the Banker Magazine (owned by the Financial Times, London) due to its contribution to encourage the development of a new market in Mexico. The deal obtained a AAA rating from Fitch Ratings. ·Led the design and closing of a deal for 36,767 million MXN to refinance Coahuila State’s public debt, which became the largest deal in history for a State Government and one of the most complicated deals to implement because of its size, the high number of stakeholders and the contested origin of said debt. ·Convened the involvement of the Inter-American Development Bank and the Federal Government as overseers to ensure the use of the best market practices in the closing of the deal. ·Used an innovative federal guarantee mechanism to reduce risk and, hence, financial cost.

Sonora, Mexico

·Designed the first structured bank loan for a Municipality in Mexico, for Navojoa, Sonora. The deal obtained four notches above the issuer’s risk grade in the local scale.·Developed and negotiated, in coordination with the Federal Government and Congress, the first State Revolving Fund for water infrastructure in Latin America.·Implemented the first municipal block loan in Mexico, amounting to 925 million MXN, which obtained the lowest financial cost in public history.·Oversaw the creation of the Public Private Partnership State Law, which involved changes in the State Constitution.·Developed the first "greenfield" State Road Concession in Mexico, for a 110 km road from San Luis Rio Colorado to Golfo de Santa Clara.·Developed the first non-recourse state deal in Mexico, using local taxes as the underlying asset, for 4,588 million MXN. The deal was recognized as the 2009 Structured Finance Deal of the Year for the Americas by the Banker Magazine due to its contribution in broadening the State funding base and providing the blueprint for other states to do the same.

Phoenix, Arizona Area

·Led analysis of Intel Corporation Supply Network Cost Structure and recommended policies to align costs to market demand better. ·Discovered a policy change that would reduce freight cost by 5 million USD annually.

San Francisco Bay Area

·Constructed Network Cost Model (Ground, Air and Hub) using Activity-Based Costing Methodology.·Calculated USA Transfers and Imbalance Fees to rest of the world (DHL International).

Master Of Public Administration - Mpa, Political Science And Government, Edward S. Mason Fellow

Activities and Societies: Certificate in Management, Leadership, and Decision Sciences. Mexico Conference, Economy Panel Moderator.Public.

Diploma, Real Estate Development: Planning And Process, 100%

The program focused on the real estate development process and the public sector's critical role in cities and real estate markets. It.

Diploma, Commercial Real Estate Analysis And Investment, 95%

The course applied concepts from financial economics to commercial real estate, providing methods to answer real estate investment.

Master Of Business Administration - Mba, Investment Banking

Bachelor'S Degree, Economics

Activities and Societies: Economics Alumni Association Underprivileged Student Association, Director of Scholarships