Francisco Perales (Pancho) has 27 years of consumer and digital banking experience and has been the founder and co-founder of several start-ups. Mr. Perales worked for the Global Consumer Bank at Citigroup (Citi, Citibank, and Citicorp) for over ten years in San Francisco, CA, and New York City.

Pancho is the Founder of Vavane, Inc. d.b.a. B365tech (a technology company) and is the Chairman of San Diego Bancshares, Inc. and a Director of First State Bank of San Diego in Texas. Mr. Perales is the Chairman and co-founder of Accelerium Clinical Research and Hospital in Mexico.

Francisco Perales earned an MBA from Tulane University and a Bachelor of Science degree in Industrial and Systems Engineering from ITESM. Mr. Perales has graduate studies from Harvard University.

Alfredo is a payments industry expert with over 25 years in consulting, sales, and operations. He has led global, cross-functional teams and supported diverse clients, from major banks and retailers to local governments and micro-businesses. Starting in the card business, he became VP, leading large-scale marketing, product launches, and integration. He later advised European banks and fintechs on portfolio optimization, market entry, and acquiring strategies. As Head of VAS Cross-Selling and Talent Practice in the EU, he also spearheaded sales transformation and talent development.

Antonio has 15+ years of experience in data analysis, statistical modeling, and machine learning across healthcare and financial services. He directs AI and data strategy, designing the data architecture for operations, business intelligence, and research. Currently, he is focused on advancing generative AI initiatives, including LLMs, for future financial technologies. His previous research involved complexity-based mathematical methods applied to clinical nutrition, psychiatry, financial forecasting, and Parkinson’s disease bioelectrical signal analysis.

Angel is an AWS Certified Cloud Practitioner with 12+ years in DevOps, cloud infrastructure, and full-stack development. He specializes in scalable, hybrid cloud architecture (AWS/GCP) using Infrastructure as Code (Terraform, CDK, CloudFormation). Expertise includes serverless, container orchestration (ECS, Kubernetes), and event-driven systems (SQS, SNS). He ensures efficient CI/CD via Jenkins, GitHub Actions, and Bash. His background in backend (PHP/Laravel, JavaScript, TypeScript) and frontend (Bootstrap, Tailwind) enables him to deliver robust, full-spectrum solutions.

Oscar, a Senior Software Engineer with 13+ years of experience, designs scalable web/backend systems. Proficient in C#, Golang, microservices, event-driven architecture, DDD, RESTful APIs, and cloud infrastructure (AWS/Azure), he delivers high-impact systems. Expertise includes SQL/NoSQL, search (Elasticsearch/Algolia), and cloud migrations. Oscar provides strong leadership, mentoring, and emphasizes code quality and Agile (SCRUM/Kanban). He builds resilient, maintainable systems using Docker, CI/CD, and observability tools.

Gustavo is a banking professional with 11+ years of experience specializing in merchant services and card issuing products. He has successfully launched innovative banking solutions, focusing on operations, compliance, and service optimization. His expertise includes chargeback/dispute management, operational process design, and executing Visa/Mastercard certifications and mandates. Gustavo also developed essential manuals, policies, and process documentation for efficiency and regulatory alignment.

Marcela is a senior executive with 25+ years of international leadership in banking, FinTech, and digital payments (Mastercard, PayPal, Citi, Banamex). An expert in digital payments and banking strategy, she is proven in transforming financial services through innovation, product management, and market expansion. At Mastercard, she executed global strategies across 30+ countries, enabling 500M+ payment products for the underserved. Marcela excels in product innovation, development, regulatory compliance, governance, and risk management, building profitable, customer-centric digital solutions.

Antonio (Tony) is a seasoned leader with 25+ years in banking, fintech, and technology, specializing in merchant services. He has a strong track record of launching successful merchant services programs, notably in Mexico, generating revenue from transactions, interchange fees, and value-added services. His expertise includes internet banking, IT, card issuing, and payment solutions, and he has held senior roles focused on strategy, team development, and client engagement. Tony was key in expanding POS offerings through ISO and payment facilitator partnerships.

A Senior Backend Engineer/Systems Architect with over 10 years of experience specializing in financial infrastructure, payment systems (including ISO8583 and AML), and distributed backends. Key achievements include leading team design of core systems for a Mexican fintech, serving as an Ex-CTO for two startups, and leading B365Tech through full Visa/Mastercard pre-certification by designing a multi-schema transaction codec. Expert in resilient architectures, mentorship, and human-centered design.

Backend/Platform Engineer specializing in reliable, secure, and maintainable financial systems. Experienced (Cuenca, Oracle) in transactional logic, payment reconciliation, KYC, refunds, and workflow automation across AWS and on-premise infrastructure. Focus on high-availability, traceability, and compliance. Proficient in Python, REST APIs, asynchronous systems, CI/CD, Docker, and infrastructure automation. Committed to technical clarity, robust testing, scalable decisions, and reducing operational complexity.

Lead Software Architect with over a decade of experience in software development and system architecture. His expertise spans secure system design, financial environments, and complex integrations, with a proven track record of leading cross-functional teams and delivering high-impact technical solutions. Notable achievements include spearheading the integration project connecting an Electronic Payment Funds Institution (EPFI) to Mexico's Central Bank, a critical infrastructure initiative in the financial technology sector.