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Torre Acrópolis Piso
Santo Domingo, Dom Rep
with more than years of experience in the finances specialized in
retail and consumer banking, Worked more than years in Citibank in
different managerial positions with exposure to several areas in countries
like USA, Mexico, Peru, Argentina and Chile. In Citibank occupied a
regional position with responsibilities for Latin Americas Marketing
and Banking Products in countries..
Grupo Altas Cumbres in where he occupied the position of Executive
Director of Products and Sales Channels assuming later the position
of General Manager& / CEO of the same Group bank operation in Costa
Rica. A Head Hunting process moved him from Costa Rica to Dominican
• Analyze market trends and create successful
strategies to capitalize on new market opportunities to increase revenues
experience in new business development and startup operations, including
full P&L responsibility for strategic planning, sales, finance,
operations, technology, staffing and procedures.
in building strategic alliances with bestinclass providers • Effective
leader, expert in recruiting and managing multifunctional, high performance
teams, with demonstrated ability to direct global marketing strategies
Asia, Europe, Latin America and US.
• Multilingual; fluent in English
BDI América S.A.
Responsible for the
opening of the operation and obtaining the license to operate a Broker
House and get a sit in the Stock Exchange. We started from scratch,
hiring the people, training them and developing the products unique
for the Dominican market.. The Net Profits in were US$ .m and
in US$ .m fully impacted by the international markets
From zero balance
we have now US$ m and HNW clients and financial institutions.
We acquire a Savings
and Loan Bank at the end of .
We started the Investment
Banking Area we have mandates from the top companies in DR with volumes
around US$ m
We started the expansion
to Central America Costa Rica, Panama and El Salvador
GRUPO ALTAS CUMBRE
Financiera Miravalles Costa Rica General Manager & CEO
Responsible of General Management, double
the customer base in form M to M. Improving financial results
increasing net profits from US$ M in to US$M in . In
net profits of US$ M and over M active customers. The branch
network expanded outside San Jose. Successful Commercial Paper trade
in Stock Market of US$ MM n , being the first time a financial
institution non banking succeed in such operation. Introduction of “Nicaragua
Mas Cerca” to serve Nicaraguan customer residents in Costa Rica providing
them with several services related and developed for immigrants such
as life insurance, medical assistant, and repatriate body and funeral
services in Nicaragua.
of Products and Sales Channels
Responsible of Product
development and sales including new channel development. Increasing
sales in % in one year, implementation of Telemarketing, sales force
restructuring and credit card implementation all across the group. Development
of new line of businesses like Fund Transfers. New countries start ups.
Regional Product Manager, Vice President
• Regional Product Manager for US Consumer
Bank with domestic and international client assets of over $ billion,
revenue in excess of $ billion and relationships with more than .
millions clients in Latin America. Responsible to manage the existing
portfolio, identify new opportunities/trends and develop new products.
Coordinated all product development activities including the Debit Card
and “Combo Card” which it’s a combined debit, ATM and Credit Card.
• Gathered detailed intelligence information
on competitor’s technological products and prepared individual profiles
highlighting Citi”s advantages and gaps.
the MIS system for the Latin America region resulting in better pricing,
lower client attrition, increased client acquisition and higher levels
of cross selling.
Regional Technology and Operations Head, Vice
Technology and Operations Head for the Southern Cone Region Argentina,
Chile, Peru, Uruguay and Paraguay; with revenue in excess of $
millions. Created economies of scale to all processesmaintained
the best in class unit cost, cycle time, level of productivity and error
• Created a processing “hub” in Argentina
to migrate the Peruvian core systems and the Chilean Credit Card
embossing and document printing. • Led the strategic integration
for the Private Bank of new business acquisitions i.e. Banco Patrimonio,
Hambrecht & Quist Executive Financial Services and Fleming Asset
• Outsourced all check clearing processes
generating savings of over $ million per year.
Implemented a new
imaging application process which accelerated the account opening cycle
time, shortened the timing of internal investigations, improved client
satisfaction levels and resulted on a cost savings of over $
million per year of recurring expenses.
Implemented an activitybased
methodology which reduced the unit cost in all the countries and resulted
$ .m in savings.
COO Chief Operating Officer Peru, Vice
• Developed and implemented the strategy
for the Consumer Bank in Peru.
• Projected market size,
defined the business model, identified needed infrastructure and hired
personnel. In one year, built a local distribution of three model branches
and mini branches, with M clients and over $ million in assets.
fixed cost and created economies of scale by integrating Peru’s technology
infrastructure in another country.
Developed a strategic alliance
with Blockbuster Video Stores to open mini branches in their premises
in order to extend full banking services to all Citibank clients until
PM and on weekends. • Led the strategic integration for the Private
Bank of new business acquisitions i.e. Banco Patrimonio, Hambrecht
& Quist Executive Financial Services and Fleming Asset Management.
Decreased credit writeoffs from % to .% and delinquency levels
from % to % by creating Citi’s own collection area with innovative
Designed and implemented Bar Code technology for high volume transactions
allowing the elimination of data
improving cycle time and an error free operation.
Citibanking and Reengineering Head Mexico,
Vice President –
and implemented a business plan to reposition Citibank in the marketplace.
Redefined the target market, reengineered the business model, redesigned
the product offering and focused all acquisition initiatives.
After the first year, new branches were opened, M new customers
were acquired and assets under management grew by $ million.
immediate access to a new set of products and additional functionality
at a marginal cost by starting the new system applications over an existing
platform in Tampa, Florida. • Led the strategic development of new technology
focus on the customer like Global ATM access, Regional Teller System
to improve productivity and accelerate client session time at the teller
station. The strategy was to provide the
the strategic development of new clientcentric technology like global
ATM access and Regional Teller System to improve productivity and accelerate
client’s time at the teller station. same interface to the customers
in all our ATM worldwide and the same “look and feel at the teller
station. The complete migration was made in four months.
• Reengineered all process flows
to increase productivity, improve cycle time and to reduce costs. Cost
cut reached $million, cycle time was improved in % and productivity
increased in %.
Financial Operations and Financial Control
Head Chile, Assistant Vice President
Citibank’s Treasury, Foreign Trade, Global Transaction Services, Corporate
Accounting and Strategic Planning local actitivities. Led the merger
integration process between a local finance firm and Citibank.
the sales process and increased the capacity of transaction volumes
to be processed.
Managed the core systems migration
to a complete new platform in a record time of six months.
the integration of the new client platform to accommodate the increasing
number of clients and transaction volumes
• Coordinated the training program
for the branch staff to assure compliance with internal procedures and