Download PDF

Work experience


Founder and Principal


***Founder of consulting firm assisting companies in strategic planning, business development and resource management.


Executive Chair of International Strategy and Corporate Development


***Double bottom line research, development incubator and business accelerator founded with the mission to provide financial services to the under banked. Portfolio companies include pre-paid, mutual fund and mobile transaction businesses.

  • Reporting to the CEO; responsible for leading MPOWER Labs’ international business development and strategy: Crafted and lead business development strategy for Latin America. Directed business analysis and investment in an Australian leading pre-paid company. Perform business and regulatory market review, recommended appropriate set-up, and negotiated sales and distribution agreements.

Founder and Principal


Key initiatives and results for clients include:

  • Defined strategy that lead bank to grow credit card portfolio four fold in three years. Developed and implemented debit strategy for bank that included sales channels, enhanced ATM usage and functionality as well as debit card rewards program. Analyzed and recommended reorganization of payment systems for banks. Developed various co-branded programs including one of the first programs targeting the youth segment.
  • Developed e-banking strategy and Internet site for bank and launched e-banking suite of services. Conducted numerous operational reviews for banks. Negotiated a number of licensing and marketing agreements with American Express, MasterCard and Visa. Clients included American Express, Total Systems, Capital One, Scotiabank, Maduro & Curiel’s Bank, The Exxel Group, Oasis Technologies, Global Payments, First Caribbean Bank, BBG Communications, Global Live, NetSpend and Banco del Progreso.

Executive Vice President


***A provider of Internet based on-line financial services and information for Global Hispanic consumers and businesses. Through a combination of interactive tools, e-commerce capabilities and community building, streamlines access to everything consumers and businesses need to make well-informed decisions when selecting financial service products.

  • Reporting to the President and CEO, lead all business development, marketing, sales, advertising and planning activities. Budget of $16,000,000 with a staff of 29, including a network of seven country offices. Restructured sales and marketing functions generating more than $400,000 in annualized savings. Repositioned product offering and revised/ re-launched corporate identity and positioning. Key participant in initiative to secure private placement funding.

Executive Vice President & President for Latin America


*** MasterCard is a global payment solutions company that provides a variety of services in support of the credit, debit and related payment programs of over 24,000 financial institutions.

  • Reporting to the CEO of the corporation, directed and managed regional operations including business development, product management, member relations, advertising, marketing, research, operations, finance, budgeting, public relations, franchise management and strategic planning. Budget of $95 million with 120 professionals and support staff.
  • Member of the Internal Executive Committee of MasterCard International Inc. which was responsible for company-wide management, strategy, policies and resource allocation. Generated divisional pre-tax profit of $9.6 million in 1997 and $10.8 million in 1998, in spite of adverse economic conditions, representing 10% of company profit on 5 % of company sales. Managed a board of directors with 22 members.
  • Led negotiations for equity investment in Redecard, one of two payment systems acquiring processors in Brazil. Led strategy to further establish MasterCard as a provider of in-country switching services. Concluded 1998 with 17 service contracts. Reduced time required for implementation and roll out of new franchises by 50%.

Senior Vice President & General Manager for Latin America, Miami, FL1990 -1995

***Reporting to the CEO, directed the development and implementation of a viable business strategy for MasterCard in the region. Budget of $47 million with a staff of 50.

  • Increased pre-tax profits from a loss of $2.6 million in 1991 to a profit of $3.8 million in 1994 and to $10.6 million in 1995, the year in which the region suffered extremely negative conditions due to the Mexican peso devaluation. Negotiated and established new pricing policy with banks leading to the elimination of subsidies from headquarters. Opened country offices in Argentina, Brazil, Mexico, Colombia, Chile and Venezuela.
  • Led negotiations for equity investment in Argencard S.A., the largest issuing and acquiring card processor in Argentina. Negotiated largest debit card contract in the region and introduced on-line debit card product to this market. Established and managed Maestro Latin America Board, acting as CEO. Designed and implemented strategy for establishing MasterCard as a provider of authorization, clearing and settlement processing services for banks.

Senior Vice President Global Advertising and Marketing, Purchase, N.Y, 1990-1992

***Reporting to the EVP International, led the development of worldwide advertising and marketing strategies and activities.

  • Launched company’s first global advertising campaign in mass media. Developed first brand advertising guidelines for consistent utilization of the MasterCard brand around the world. Negotiated first World Soccer Cup sponsorship contract.

Vice President for Latin America, Miami, FL, 1983-1990

***Reporting to the SVP International, managed Latin America prior to the existence of a regional infrastructure.

  • Established MasterCard as a local brand, formed and managed first Regional Board of Directors. Developed first in-country settlement and clearing services agreement for MasterCard, outside of the U.S. and Canada. Opened Latin America and Caribbean regional headquarters in Miami.


***Held various positions of increasing responsibility including Director of International Development in the MasterCard Division of this card processing company.



U.A.D.E., Buenos Aires Argentina



Elected to town council, Town of Mountain Village, Colorado - Board member, Telluride Tourism Board, Marketing Telluride Inc. - Board member and advisor serving as Vice Chairman of the Board - RêvLatin America (Austin, Texas), Board of Directors - MPower Mobile (Austin, Texas), Chairman of the Board - RêvAsia Pacific (New Zealand), Board of Directors and Chairman of Audit Committee - NetSpend, Inc (Austin, TX, Board of Directors and Chairman of Audit Comm. - CheckSmart Financial Holdings (Dublin, OH), Board of Directors & Member of Audit Committee - Certegy (NYSE:CEY), Board of Directors & Member of Strategic Committee - CardNet (Dominican Republic), Board of Directors - Argencard (Argentina), Board of Directors - Redecard (Brazil).




Latin America Business Management - Global Product Marketing - Executive Team Leadership - Board level Advisor - Executive Committee Member - Corporate Branding - Business Operations - Sales Leadership - Resource Management - Risk Management - Franchise Management Strategic Planning

International Executive with a 30 year history of accomplishment in the payments services and solutions industry, including 16 years at MasterCard International, serving as Executive Vice President, President of the Latin America and the Caribbean Region and Senior Vice President of Global Marketing and Advertising.

  • Founder and Principal of the Mattrix Group, a consultancy practice created to assist and support companies in the areas of business strategy and development.
  • Directed numerous projects ranging from restructuring banks' payment divisions, identifying business efficiencies, developing new products, designing specific marketing plans (including those for the Hispanic segment in the USA), conducting market assessment and studies, crafting international business development strategies.
  • Assisted companies in Business & Product Development initiatives including Debit strategy, Rewards programs, E-banking and Internet sites, Co-branding programs, and Customer service.
  • Develop concrete business strategies to capture market share and achieve certain business volumes. Involved in projects reviewing the payments industry in Latin American marketsthat entailed undertaking a macroeconomicoverview, analyzing historical trends, market share,consumer preferences, the banking and department storesectors, brand investment by and acceptance levels forglobal payment brands and processing alternatives.
  • Developed a business strategy for the USA Hispanic segment requiring a marketing strategy tailored to a unique business model. Project entailed undertaking a market environment study, including industry overview, trends, players, customers, competitors, compliance, challenges and business drivers, marketing opportunities, and operations.
  • This resulted in a preliminary market assessment, initial outline of product portfolio,P&L, key actions roadmap, timeline, initialintegrated marketing initiatives tomotivate target market behavior, recommendations andmeasures for success.
  • Developed a new market strategy that encompassed supporting a multinational company in analyzing a new market, identifying and introducing potential local partners, and evaluating market needs and challenges.
  • Review acquiring business markets analyzing business opportunities from an acquiring perspective Assisted and supported companies with market analysis and review to determine financial and operational viability of the acquiring business, identify appropriate partners, distribution and sales channels.