Richard Martinez Lopez

Founder & Principal — Banking & Payments Transformation Executive

Richard is a banking transformation executive with 12+ years of experience leading multimillion-dollar digital and platform modernization programs across Tier-1 banks, fintech providers, and global consulting firms. His work spans payments modernization, treasury & markets technology, cross-border regulatory programs, and digital banking execution in complex, regulated environments.

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Consulting Experience

Banking Experience

Payments Service Providers / Fintechs

Non-banking FMCG Companies

Logos are shown for identification purposes only and do not imply endorsement.

Selected Transformation Mandates

A curated view of high-impact initiatives delivered across banking and payments environments.

Enterprise Payments Modernization

Led implementation of the Fiserv Enterprise Payments Platform, launching Fedwire, ACH, RTP, and Zelle B2B capabilities supporting 5M+ daily transactions.

Treasury & FX Governance Portfolio

Oversaw a $5M transformation portfolio covering pricing engines, risk platforms, AML/KYC systems, and trading infrastructure — achieving zero audit findings over 2.5 years.

International Banking Expansion

Directed a $25M cross-border program across three regulatory jurisdictions, managing 50+ professionals and maintaining variance below 2%.

Digital Banking & Innovation Leadership

Built and scaled a bank-wide innovation function and introduced digital onboarding that reduced account opening time from two days to five minutes.

Governance & Operating Philosophy

Transformation without governance introduces risk. Technology modernization must be delivered with executive visibility, disciplined milestone control, vendor accountability, and regulatory alignment — ensuring resilience rather than operational exposure.

Steering committee governance, cadence, and executive reporting
Risk-aligned delivery and audit-ready transformation controls
Cross-border regulatory coordination and stakeholder alignment
Vendor oversight, scope discipline, and financial integrity

Education & Credentials

Master of Economics & Business Administration — Norwegian School of Economics
Master of Finance — EGADE Business School
B.Sc. Industrial Engineering — Universidad Simón Bolívar
Certified Scrum Master