Q1. You’ve led commercial, operational, and regulatory-facing functions across cross-border transfers and financial services. Could you briefly outline how your responsibilities evolved as you moved into senior leadership roles?

Civil Engineer and Business Administrator. Works for RendimentoPay as Sales Director. Previously worked as a Financial Services and Foreign Exchange Consultant for Banco Daycoval and Treviso Brokerage on projects related to the Development of Remittances and FX Bank License. Worked for ACI as a Sales Executive for the Merchant pillar and for 20 years for Western Union as a Statutory Director responsible for the Bank and Brokerage in Brazil. Implemented a network of 221 Correspondents / 13,800 Locations, including 60 Branded stores. Developed new distribution channels, including Banks, Brokerages, Retail Chains, company-branded stores, and Digital. Incorporated new products such as Retail Foreign Exchange, International Prepaid Card, International Payments, and Remittances.

The President of ABMtransf built a solid relationship with Brazilian and international authorities, including the Brazilian Central Bank, Federal Police, COAF ( Financial Activities Control), Federal Revenue Service, ICE (Immigration and Customs Enforcement), the American Embassy, and SOCA (Serious and Organized Crime Agency UK ). I worked on developing and formalizing the FX market, reinforcing its importance and social impact.

As President of the Remittances and Payment Methods Committee of ABRACAM, the Brazilian FX Bank Association, I coordinate activities to improve and simplify FX and payment methods with regulatory authorities and in the development of the market.

Q2. Real-time cross-border payments, instant settlement rails, and next-gen remittance models are expanding quickly. How are you seeing client expectations shift as these capabilities mature in global markets?

Definitely,  Real-time cross-border payments will be mandatory from the customer's perspective. On the other hand, the industry is still facing some issues to solve to avoid credit risk, negative floating, and regulatory issues, despite the fact that Technology is already available.

Q3. With FX and remittance businesses facing tighter regulatory scrutiny worldwide, what emerging compliance or governance risks do you think institutions often underestimate as they scale?

Cross-border payments are moving fast to use digital currency that will allow institutions to settle transactions in real time, reducing credit risk and costs. The challenge to move faster is the government regulation all over the world, which may significantly impact the company's compliance and governance

Q4. Digital adoption in money movement—wallets, app-based flows, embedded finance, direct-to-account transfers—is reshaping traditional agent and retail-based models. How do you approach balancing digital expansion with partner-driven channels?

Digital accounts are a great solution for countries with poor physical bank coverage, such as Africa, Asia and Latin America. Digital adoption permits a much better financial inclusion, and the expansion of direct-to-account services, but the physical distribution continues being an important part of the business, considering informal migrants and brand recognition. 

Q5. In the merchant and B2B payments space, fraud prevention and identity assurance continue to evolve rapidly. What capabilities have become fundamental for institutions offering payment or FX services today?

Fraud is increasing and has a high cost and impact on the companies ' image. This happens because business dynamics are moving very fast, enabling creative fraudsters to be one step ahead of prevention. Effective fraud prevention is to reduce the time between the detection and the implementation of actions.

Q6. You’ve built large partnership ecosystems across banks, payment institutions, and retailers. What qualities do you look for when assessing whether a potential partner can meaningfully scale cross-border or FX products?

It is important to establish partnerships with companies aligned with your strategy. Some businesses require technology expertise, such as digital accounts, while others may require physical distribution, such as banks or retailers. Important to balance your customer needs as well as developing your brand awareness.

Q7. If you were advising senior leadership or investors on where the next major growth opportunities lie in global payments, FX, and remittances, which product areas or market shifts would you prioritize for long-term value creation?

I am sure the FX, global payments, and cross-border transactions are moving to digital currency (cryptocurrency, stablecoin) that allows real-time payments with lower costs and credit risk. Many multinational companies are looking to this opportunity to work as a global treasury, settling transactions with their digital currency. The current challenge is the regulatory environment that is not moving faster as business needs.