III Breakfast Conference

Digital Strategist. Ricardo Ribeiro started at FICO in 2013 and has since been responsible for sales support of digital transformation solutions in the financial market, decision solutions, Open Banking and also FICO optimization. For the first 4 years, Ricardo supported FICO clients in Europe, the Middle East and Africa, contributing greatly to digital banking initiatives in the region; and he is currently supporting FICO clients in Latin America and the Caribbean, drawing on the knowledge accumulated in other regions, mainly focused on banking and telecommunications companies.

Ricardo holds a degree in Computer Science from Universidade Nova de Lisboa in Portugal. Before joining FICO, Ricardo worked at a FICO partner in Portugal as a Decision Solutions Delivery Manager in the banking and insurance industry.

He has worked at FICO for 7 years, as part of FICO’s Global Business Consulting team, supporting clients throughout Latin America. His experience spans more than 25 years in the design, implementation and management of processes and solutions for the entire customer life cycle, having worked for more than 8 years in retail banking across different customer segments, and the following 17 years as a business and credit and collections solutions consultant. Mihalik is able to recognize and connect with clients’ needs and to design better solutions based on experience from both sides of the business. Ricardo holds a bachelor’s in Chemical Engineering from the University of São Paulo, Brazil, and an MBA in International Management from Clemson University, USA.

CEO & Co-Founder of MIO. With more than 25 years of experience in the financial industry, before his current role as CEO & Co-Founder of MIO and ALPHA FINANZAS SAS, the first Bank Electronic Payment account and the first acquirer via a 100% digital-mobile solution in the Dominican Republic, respectively, Christian was Corporate Executive Director at CITIGROUP (Citi), leading the Consumer Banking, Payment Methods, Product Management, Portfolio and Franchises, Technology and Sales areas, among others, with responsibility in 26 countries across North and South America, the Caribbean, Asia and Europe.

After 17 years at CITIGROUP, he served as Executive VP and General Manager of VERIFONE LAC, the Payments and Services division, and as General Manager for USA and LAC North at GEOPAGOS, the region’s leading enabler of mobile acquiring and B2B2C payments in LAC.

His achievements include transforming the adoption model of Bank Cards and Payment Methods through the development and implementation of innovative technology and business solutions such as Payment as a Service, mobile acceptance without the need for HW interfaces, launching the first pilot in Latin America, and certification of wallets via Apple and Samsung Pay in their early stage, among others. He also developed the management model for payment product portfolios implemented uniformly in 7 countries across 4 Regions.

Guest speaker at various international payments forums, and winner of awards such as Highest EBIT Growth, Best Regional Sales Director and Best Payments Franchise Director in LAC, among others.

Studies carried out in the USA, Spain and the Dominican Republic. Graduate of the Stonier Graduate School of Banking at the University of Pennsylvania (UPENN), of the Bank Card Management Institute at the University of Miami (UM), of Business Administration at PUCMM, with a postgraduate degree in Banking Management from the Escuela de Alta Dirección y Administración (EADA) in Barcelona, and in Corporate Finance from PUCMM.

Head of Innovation and Financial Inclusion at the Superintendency of Banks of the Dominican Republic. Inés is an Electronic and Communications Engineer who graduated from the Instituto Tecnológico de Santo Domingo (INTEC), with a Master’s in Senior Management and a postgraduate degree in Corporate Finance from the same university. A graduate of Stanford University’s LEAD leadership and innovation program, she has a specialization in Fintech & Regulatory Innovation from Cambridge Judge Business School, in addition to other specializations and diplomas in digital transformation and project management.

She currently leads the Innovation and Financial Inclusion team at the Superintendency of Banks, focused on driving initiatives related to digital financial services, the promotion of financial inclusion and behavioral economics interventions.

She is also a member of the Executive Committee of the Dominican Republic Financial Innovation HUB and the Fintech Committee of the Central American Council of Superintendents of Banks and Insurance, and was 2022-2023 Chair of the Executive Committee of FintechLAC, a unit of the Inter-American Development Bank (IDB) that seeks to drive the development of the Fintech ecosystem in Latin America.

A graduate in economics from the Instituto Tecnológico de Santo Domingo, with a master’s in Applied Economic Analysis from Universitat Pompeu Fabra in Barcelona, a master’s in Economics and Finance from the Centro de Estudios Monetarios y Financieros in Madrid, and an Executive MBA from Barna Management School. At Banco Popular Dominicano he held roles for more than 14 years in the Strategy, Data, Marketing and Risk areas. He currently leads the Business area of Quik Banco Digital Dominicano, with responsibility for product development, analytics and business growth.

Bachelor’s in Economics from the Pontificia Universidad Católica Madre y Maestra, Master’s in Economic Regulation Law with a concentration in Financial Markets at the same university. Master’s in Corporate Finance and Diploma in International Economic Relations and Economic Integration from the Instituto Tecnológico de Santo Domingo.

He has also completed studies in Financial Programming and Policy, Central Banking, Capital Markets and Futures, Options and Other Financial Derivative Products, as well as training and seminars on Payment Systems; Analysis and Treatment of Risk in Banking Operations; Structure and Functioning of Financial Markets; Open Market Operations; Compliance with the CPSS-IOSCO Principles for FMIs, among others.

He has been an undergraduate and master’s lecturer at the Universidad Iberoamericana (UNIBE), Universidad APEC (UNAPEC) and the Instituto Tecnológico de Santo Domingo (INTEC), as well as a speaker at national and international events. Since 1991 he has worked at the Central Bank of the Dom. Rep., accumulating 30 years of experience in financial and payment system regulation, central banking and monetary policy. He took an active part in implementing the Reform Project of the Payment and Securities Settlement System of the Dominican Republic.

He currently holds the position of director of the Payment Systems Department, with responsibility for oversight of payment systems, administration of the LBTR system, the check clearing system and the processing of operations of private payment systems. He is the Central Bank’s representative on the Technical Committee on Payment Systems of the Central American Monetary Council and on the Western Hemisphere Payments and Securities Clearing and Settlement Forum, as well as on the IDB’s Fintech LAC Project.

Chief Technology Officer at Billet, with broad experience in ICT projects, digital transformation and emerging technologies. Systems engineer with a master’s in business (MBA) and various international certifications. He is an enthusiastic consultant on agile projects and agile organizational culture.