AI & Enterprise Technology Implementation -Guide product & leadership teams through AI platform strategy and enterprise adoption frameworks, leveraging experience from AWS Mechanical Turk and enterprise transformations from Bank of America and Intuit -Advise on platform architecture decisions that balance innovation velocity with enterprise security requirements focusing on regulated industry compliance and scalable monetization models FinTech Innovation & Scaling -Solve regulatory complexity challenges across the full spectrum: consumer products, B2B solutions, four-party payment systems, banking infrastructure, lending platforms, and crypto/Web3 compliance -Design product strategies that turn regulatory requirements into competitive advantages, applying patterns from Digital Disbursements and PINless debit innovations -Guide platform monetization strategies, drawing from Intuit's $300M+ partnerships business and $1B+ developer ecosystem growth Latin America Market Expansion -Strategic advisor to high-growth startups navigating complex regulatory environments: 99Minutos (last-mile delivery across Mexico, Chile, Colombia, Peru), Kueski (Mexican B2C lending), Draftea (daily fantasy sports platform) -Solve cross-border compliance and scaling challenges, leveraging bilingual expertise and albo international expansion experience -Design partnership ecosystems that accelerate market penetration while maintaining regulatory compliance

Focus on: - Product Development and Product Strategy. Product positioning; Competitive product research where appropriate; Assessment of product hires; Feedback on product plan - Strategy for AI technology, ecosystem development, enterprise engagement models, and adoption

Sofiago is a mission-driven team working to empower the financial lives of scholars and thereby enhance the academic ecosystem. Powered by an innovative embedded finance solution, we built the first travel platform for the $50B+ academic event travel market. Our goal is to transform this overlooked market by providing specialized travel booking, expense management and finance solutions.

I spearheaded profitable growth, head product strategy, and uncover new business opportunities. From devising a digital product roadmap to structuring product development practices, building a world-class team, evangelizing innovative solutions, and solving critical problems, I commanded a wide purview at this FinTech start-up focused on evolving how people spend, receive, and transfer money. Selected Highlights: ◈ As always, it starts with people; I engaged the product team to think creatively, invent freely, and improve products proactively while ensuring they have the infrastructure and technical tools to succeed. ◈ I fostered collaboration, not only within Product but across the organization to ensure rapid response to change and a unified pursuit of strategic objectives. ◈ My expertise in the product development lifecycle was in full play, instilling the processes and procedures to turn ideas and visions into value-added, innovative products, alongside shaping service level agreements and ensuring 100% compliance with laws and regulations. ◈ By refining data gathering and analysis, I enabled data-driven decisions, deepen vision into performance, guide strategy, and prioritize action plans; includes industry benchmarking and deep-dives into consumer needs/behavior.

As VP Global Business Development, I led Global Strategic Partnerships for QuickBooks, and at the same time, the Global Developer Platform for Intuit. These are two different but connected businesses as the Developer Platform is the mechanism used to integrate with our strategic partners. Global Strategic Partnerships is a $300M+ yearly business responsible for accelerating growth by establishing partnerships internationally with the small business ecosystem that surrounds QuickBooks. The team identifies the right ecosystem players and converts them into durable partnerships that drive non-user fee based revenues and expand Intuit’s addressable market. The open Global Developer Platform enables over 40K+ third-party developers to create and deploy more than 10K+ applications that work in conjunction with Intuit's popular small business software, financial APIs and Intuit's App Store (www.apps.com). My role was to lead the overall Developer Platform team. My time with the team resulted in a new monetization strategy designed to drive exponential revenue growth with a target of $1B+ in the next five years. KEY SUCCESSES: ► Delivered a new level of thought leadership, team building, and long-term strategic planning as VP of Global Business Development, Strategic Partnerships, & Global Developer Platform at Intuit, creating a scalable operating model that drove billions-of-dollars in revenue. ► Instilled confidence and positivity in the IDG platform team at Intuit, guiding them out of disarray to execute a powerful commercial vision with clarity and precision; results included surpassing all critical performance metrics while reaching 10K+ published QuickBooks Online applications and 42K+ new Developer accounts.

Modo provides a patented cloud-based utility which enables payment system interoperability between banks, networks, payments processors, and their partners.

Bank of America Merrill Lynch’s $7 Billion Global Transaction Services (GTS) business provides transaction banking to companies from $10M+ in revenues to the leading global Fortune 500 businesses.  As Global Head of Strategy and Innovation for that business, I was accountable for ensuring the strategic alignment of GTS with the overarching goals of the enterprise. This included driving industry leading innovations in order to help the GTS business maintain and grow its competitive position in the global market. My team was responsible for defining the strategy of the business, identifying and driving strategic initiatives; delivering test-and-learn innovations, as well as providing advice and thought leadership to our clients on a wide range of industry issues crucial to their success. Managing Director, Head of Product Innovation and Disbursements, GTS (Previous Role at BAML) Responsible for end to end P&L of the over $0.5 Billion producing Global Transaction ACH and Check disbursements products. Accountable for driving the strategy for the Global Payments group. Responsibilities include leading payment strategy and coordination of BAC enterprise-wide initiatives. Product Innovation: Invented and launched the industry leading Digital Disbursements product which has driven significant new revenues to the bank by providing disbursements, payments & remittances for B2C, B2B, C2B customers in Corporate and Commercial Banking using alias-based payment capabilities. Led the definition and implementation the Bank of America Merrill Lynch international commercial payments strategy. KEY SUCCESS: ► Created and brought to market a first-in-kind alias-based disbursement payment product as Global Head of Strategy & Innovation at Bank of America Merrill Lynch, supplanting waning revenues from checking products with a high-margin solution (15X higher than ACH, 5X higher than checks) while delivering substantial customer value.

Amazon Global Payments Led Global Direct Debit (Pay Now) team - part of the Amazon Global Payments team (responsible at the time for $34B in payments to Amazon). My team managed $20B in payments to Amazon using Pay Now consumer payment types. The team was responsible for global top tier bank and vendor relationships in multiple countries; identifying, defining, and leading product road maps as part of the Amazon’s global payments strategy; working across Amazon, industry and suppliers to improve and influence the payments supply chain. Product Innovation: Designed, negotiated and executed the first PINless ecommerce Debit transaction and pricing agreement in the US. This innovation has saved Amazon hundreds of millions of dollars and helped create a viable online payment product for the US PIN networks who otherwise had few options to combat Signature Debit’s growth in online purchases. KEY SUCCESS: ► Captured multi-$100M savings for Amazon as Senior Product Manager by developing the PINless debit transaction routing (ideation to delivery), not only building consensus around the strategy within Amazon but also convincing the industry of its efficacy. It has now been widely adopted for online debit transactions and has provided exponentially higher savings for the ecommerce industry as a whole. This innovation has fundamentally changed the trajectory of US PIN networks.

Led product management and payments business strategy for Amazon.com's pioneering human intelligence marketplace - Mechanical Turk (www.mturk.com) - the first Amazon Web Services offering. Led product goals and features; defining and driving initiatives and programs; developed product roadmaps. Worked daily with technology teams to define and develop the functionality of the Mechanical

Led Product Development for Debit and Prepaid card products at WaMu. Developed new debit and prepaid card products and features. Led customer facing “Customer Migration” team for the WaMu Debit Conversion – a massive logistical effort. The conversion was the top initiative in WaMu’s retail bank for 2005-2006 and the largest debit card conversion in US banking history. The initiative spanned 21 months and involved 350 people. Member of the Program Level Management Team responsible for program governance and delivery accountability. Mandate of the Customer Migration team was to create a smooth transition for the 11 million customers affected by the migration. This involved ensuring that customers received their cards on time as well as all information they needed to minimize the impacts of the conversion.