Experience

UltraTalks

• Brazil
• Financial Services
• 1 - 100 Employee

• Managing Partner

  • Jan 2023 - Present

  UltraTalks provides access to influential payments industry professionals and specialist knowledge. It thus seeks to favor the evolution of the means of payment ecosystem in Brazil. UltraTalks provides access to influential payments industry professionals and specialist knowledge. It thus seeks to favor the evolution of the means of payment ecosystem in Brazil.



Reid Consult

• Brazil
• Financial Services

• Managing Owner

  • Nov 2009 - Present

  I implemented the design of the structure, processes and operation policy for multi-issuer card processing, sub-acquiring and international currency remittance for CredSystem, MeetMoney, AixMobil and Paschoal Group I implemented the design of the structure, processes and operation policy for multi-issuer card processing, sub-acquiring and international currency remittance for CredSystem, MeetMoney, AixMobil and Paschoal Group



Mttechne

• Brazil
• Information Technology & Services
• 1 - 100 Employee

• Specialist Consultant in the Card Market

  • Nov 2019 - Present

  I managed projects for modeling, planning and service selection in card operations for Bank BV, services of management of card processing for Bank Carrefour, conduction of the launch of new cards (credit/multiple) for Porto Seguros (PortoSeg) and Banco Sofisa. Additionally, I supportted other Mttechne clients in card issuance and merchant acquiring projects I managed projects for modeling, planning and service selection in card operations for Bank BV, services of management of card processing for Bank Carrefour, conduction of the launch of new cards (credit/multiple) for Porto Seguros (PortoSeg) and Banco Sofisa. Additionally, I supportted other Mttechne clients in card issuance and merchant acquiring projects



Boanerges & Cia Consultoria

• Brazil
• Financial Services
• 1 - 100 Employee

• Business Consultant

  • Jan 2018 - Present

  At Boanerges & Cia (since Jan/2018): I prepared market studies and trends for companies such as Brink’s Global Payments, DXC Cards & Payments and Carrefour Group, and supported them in decisions to create and expand new businesses, through a strategic-planning consulting engagement At Boanerges & Cia (since Jan/2018): I prepared market studies and trends for companies such as Brink’s Global Payments, DXC Cards & Payments and Carrefour Group, and supported them in decisions to create and expand new businesses, through a strategic-planning consulting engagement



Banco Carrefour

• São Paulo Area, Brazil

• Senior Operations, IT and Business Consultant

  • Jul 2011 - May 2018

  Ensured the quality of the core bank operation, by managing its card processing company, TSYS (Total Systems Services), responsible for all matters regarding IT and Operations. Took over at a time of major problems, and in just over two years reduced critical production incidents and system errors to 10% of the original figure. Avoided an impact of more than one year on the bank’s business (according to company estimates) in 2014, by being able to reverse TSYS’s decision to leave Brazil, conducting renegotiations that led to a 10-year continuation of service agreement. Took the bank to a new level of quality in IT project management by setting up a project office and implementing the methodology, processes, indicators and control system: CSF began to have a vision of its pending demands, prioritize projects, estimate lead times, and plan the allocation of technical teams. Ensured the communication and good evaluations for IT and operations areas of the Bank, as the person responsible for interactions with oversight and control agencies: Financial, Legal and Risk areas, or in addition to external audits (Central Bank, etc.) and teams of monitors from France (where Carrefour is headquartered). At the bank, implemented the control of assets and services provided by IT (internal or with third parties), leading the survey of all resources, preparation of the services catalog, SLA renegotiation with the various areas, and implementation of a management and control system Show less



Sapore Benefícios

• Sao Paulo Area, Brazil

• Director of Operations, Technology and Establishments

  • Jun 2008 - Nov 2010

  Enabled the creation of the new company, conducting the market study, preparing the business plan, and defending it to the Board of Directors of the Group. Ensured proper set-up of the company, coordinating the planning and design of the framework, operation processes, technology environment, system requirements, and safety & quality standards. Guaranteed the start of the operation by structuring and training the teams as well as engaging suppliers in the Technology and Operations area (including customer and merchant services), corresponding to 60% of the business. Sapore reached more than 150,000 employee cards from more than 1,500 clients (companies) and an activation rate of 67%. Managed to accelerate the growth of the network of merchants by also taking over the Commercial Establishments department, resolving a deadlock with the acquiring supplier. Also created our own framework and team, whereby we reached more than 50,000 stores with more than 500,000 transactions/month and revenues of more than US$ 150 MM/year. Show less



Banco VR

• Sao Paulo Area, Brazil

• Director of Operations and Relationships

  • Apr 2006 - May 2008

  After being hired to solve serious operational and service-related problems that VR was experiencing, managed to reduce incidents by 76% in nine months, and reduce complaints by 55%, through the following actions: • Designed and deployed a new framework in the area, redefining processes and responsibilities; • Studied the incidents and conducted innovative actions for resolution, including flow checks to identify failures before that affected customers; • In CRM, dealt personally with major customers (companies), drafting plans and ensuring solutions. Strengthened the SLA with the call center provider, and set up an on-site service for VIP customers. Sped up VR’s business evolution, reducing project development time by 35%, by changing the relationship and processes with SmartNet (the Group’s processing and network company) and taking over the Prioritization Committee (and feasibility studies) of the Corporate Projects Portfolio. Thus, had VR awarded in 2006, 2007 and 2008 as the “Company that most respects consumers” (Consumidor Moderno magazine), and in 2007 as “Best HR Supplier” (survey by Gestão & RH). When the customer portfolio was sold to Sodexo, guaranteed a stable delivery of the operation, without incident, through the planning and direct conduct of the migration actions – even though the base had grown by 12%. Show less



Hipercard Banco Multiplo

• Recife, Brazil

• Director of Operations and Projects

  • Nov 1999 - Feb 2006

  By professionalizing the area, optimized the delivery of operations in such a way that when it was sold to Unibanco, it chose not to integrate the operation of Hipercard with Unicard (Unibanco card). Under my management, the operation grew from more than 1 MM customers in the Brazilian Northeast only, to more than 10 MM customers nationwide. In the structuring of Operations, redefined the structure, redesigned processes, reassessed suppliers, implemented an effective cost control, organized logistics, and invested in team training. Starting from a manual operation with bills (hard copies), set up a system for electronic capture of transactions (in two networks) that was the third largest in Brazil, with more than 170,000 stores connected. Had to acculturate the controller (retail) on a high-availability operation, then designed the architecture and defined the infrastructure, determined security and auditing standards, trained suppliers, and selected specialized systems. In the structuring of Operations and the capture network, lead the engagement of services and purchases of high complexity and costs (more than US$ 30 MM invested), planning and analyzing payback, and defending the projects to Investment Committees and Boards of Directors (Bompreço and Unibanco). Managed projects with a commercial focus (there was no Products department), with the advantage of being an issuer and acquirer – such as the dynamic selection of customers in direct campaigns at merchant’s POS. Was the manager most directly involved in the sale of Hipercard, conducting the project with ABN Amro Bank (presentations, due diligence), and then was the main element of integration of the operation for Unibanco. Show less



Bompreço Supermercados / BSF Serviços Financeiros

• Recife, Brazil

• Executive Manager of Technology

  • Aug 1994 - Oct 1999

  Had a rich and varied experience managing business IT in different markets: Bompreço Serviços Financeiros was comprised of a consortium, employee benefit cards, multi-loyalty club, credit cards, a trustee for debenture issuance, and a database marketing operation. After conducting surveys in Ireland, designed and deployed the Bomclube multi-loyalty club’s operation and systems, which included the Bompreço Group units, Hipercard retailers, retail suppliers, and other partner companies. It reached more than 9 MM associates. Implemented the operation and was the legal manager responsible for Bompreço Trust, which obtained lower-cost capital by issuing debentures secured by Hipercard receivables – endorsed by SR Rating. Implemented Database Marketing, with costumers, transactions and products data from the entire Group. Ensured the IT integration of the stores acquired by the Group (G. Barbosa and the Paes Mendonça chains). Implemented innovative services in the market, at times enabling the creation (first customer) of new companies (Netset, e-Capture, Neurotech, Intelcav) or ensuring their expansion with major contracts (Laser Services, Midiavox, or Harte-Hanks’ first operation in retail). Show less



IT - Companhia Internacional de Tecnologia

• Brazil

• Data Center, Systems and Contracts Manager and Consultant

  • Jul 1986 - Sep 1994

  I worked in different functions and cities, in clients such as Caixa Economica Federal bank, Petrobras petroleum, Thomas de la Rue or Chesf Hydroelectric, managing outsourcing teams and data centers or in corporate systems. I worked in different functions and cities, in clients such as Caixa Economica Federal bank, Petrobras petroleum, Thomas de la Rue or Chesf Hydroelectric, managing outsourcing teams and data centers or in corporate systems.