Senior technology and product leader with extensive experience driving innovation across payments, banking, and fintech ecosystems. Proven record in scaling regulated payment platforms, architecting wallet and settlement systems, and delivering compliant, high-availability solutions aligned with PSD2/PSD3, VAT, PCI, and GDPR frameworks. Expert in instant payments, tokenization, SEPA DD/CT, ACH, and risk management, with a consistent history of building secure, customer-centric, and globally scalable financial products. Recognized for bridging business, regulatory, and engineering functions to deliver complex programs, driving growth and lean go-to-market execution across Europe and Latin America.
CAREER HIGHLIGHTS
- Regulatory Payout Disbursement De-risking: Delivered clearinghouse-based payout migration for Amazon Brazil in 6 months following Central Bank mandate changes. Redesigned settlement architecture and fund flows to integrate with national clearing houses, implementing updated ISO 20022 PAIN and CAMT messaging to ensure compliant, accurate, and timely disbursements. Safeguarded marketplace continuity and eliminated payout-related regulatory risk for all 3P seller operations.
- Banking Infrastructure & SEPA Modernization: Led strategy and execution of Amazon Vault, Amazon Pay’s core banking stack for SEPA Direct Debit, SEPA Instant, and cross-border credit transfers. Defined mandate and tokenization lifecycles, SCA flows, and reconciliation systems, ensuring full PSD2/PSD3, PCI DSS, and GDPR alignment across the EU.
- Regulatory Compliance & VAT Expansion: Directed expansion of Amazon Europe’s VAT Services from 45K to 110K sellers, automating filings and reducing operational cost by 60%. Introduced VAT as a Service AI to improve calculation outputs, ensuringg compliance with EU tax, environmental, and chemical regulations.
- Global Rewards Platform Vision: Spearheaded product and technical strategy for Shop&Earn, Amazon Pay’s in-app rewards framework. Built architecture for instant balance issuance and compliant closed-loop usage under EU stored-value regulations.
- White-Label Wallet Development: Drove design and implementation of the first white-label wallet in Brazil for Itaú Bank in partnership with PayPal. Delivered secure tokenization, account linking, and card lifecycle management, establishing a new standard for bank-integrated digital payments in LATAM.
- Global Payments Leadership: Managed cross-regional teams across Product, Engineering, and Compliance in Europe, Brazil, India, and the US. Delivered complex regulatory and banking integrations under aggressive timelines while maintaining audit readiness and operational continuity.