36 years of professional experience, including 30 in management consulting and the financial industry. Founding partner and Managing Director of CYBS Consulting, a specialized payments advisory and implementation services firm, with 17 years of operation and a wide customer base spanning issuers, acquirers, fintechs/neo banks, processors, international payment schemes and other players. Proud of having contributed to building a team of highly motivated, customer devoted, and skilled professionals in payments’ IT, operations, commercial and financial management. Expert on payments strategy, processing alternatives, selection and implementation of processing solutions and vendors, card logistics, operations, and market wide functioning and migration of payment schemes. This expertise extends across, issuing, acquiring, RTP and other payments areas. Performed as Director of International Projects for the Bank of Nova Scotia Financial Group (in Canada, Mexico, South and Central America), coordinating highly complex projects like the selection and implementation of core banking and channels platforms, outsourcing of data centers and processing operations in several countries, the creation of a new regional IT organization and the overall assessment of support areas. Worked at Kearney’s Financial Institutions Group, reaching the Principal level and co-leading its Caracas office. Participated in a significant number of projects in Latin America, supporting local and multinational clients on strategy, organizational alignment, strategic sourcing and procurement, postmerger integration, technical and financial analysis, financial valuations and support for mergers and acquisitions. Certified Member of the Canadian Association of Management Consultants. At the beginning of his professional career, devoted several years to work in atmospheric physics, weather modification projects, numerical modelling, and automation of data processing.