Jose Etchegoyen

Assists the Sales teams with Risk Management (Credit, Market and Operational) and Fraud /AML solution sales activities to maximize revenue opportunities and ensure highest level of customer satisfaction. Focus on: - Business opportunities qualification process; - Product/solutions demonstration; • Results: Exceeded annual sales goal by 28% and became trusted advisor in the Financial Services market space.

2008-2009 • Led SME Commercial Lending segment strategy and product development in Central America. • Analytics: Develop tools to measure risk and return at portfolio level (early warnings, economic/political dashboard, etc) 2006-2007 • Led ECM initiatives in a 6 country cards portfolio with annual 120% CAGR (~US$1.3B). • Analytics: Develop ECM MIS and analytics. 2004-2006 • Responsible for Portfolio Strategies design and implementation. • Product development: developed asset product strat

• Forecasting: Designed and implemented economic and financial market consensus forecast application. • Designed and implemented risk based off site supervision system based on international best practices (BIS) and Credit Rating Agencies’ methodologies. • Supported the development of off-site supervision reports requirements to financial instuitutions; • Designed and implemented policies for various topics such as internet banking, credit card act, scoring system requirements, etc.

Finance; International Business Strategy: Accounting and Information Systems