Uhriel Bedoya

Fintech | Banking | Financial Services Senior Exec, Operations Strategist, P&L Deliverer

Washington D.C., United States


Business Executive with experience with top tier firms like RBC, Visa, Mastercard, and startups like Lime and Novo. Wharton School MBA fluent in Spanish, French, and English. Knowledge of Portuguese and Italian. Corporate and startup professional with US and International senior experience leading growth with a proven track record on profitability. Experienced in leadership of large teams (50+), operations execution, cross-functional internal and external partnerships, strategy building, and public relations. My specialty is Banking Infrastructure Operations which encompass everything that supports Fintech verticals. This includes leading efforts in Business Process Improvement, Automation, Account Support, Strategy, Vendor Management, Business Continuity and Project Management in what increasingly is becoming a highly regulated segment in financial services. My focus is geared at leading and ensuring operational excellence for fintech platforms intersecting technology and engineering with regulatory compliance, BSA/AML legal, vendor management, product, risk management, payments, customer success, KYC/KYB onboarding, and fraud prevention.

Domain experience

Relevant Total Experience: 20 years

Seniority Level: Senior

Sector Experience: 

Administration Bank Platform Software Banks Consumer Lending Data and Analytics Diversified Financials Identity and Security Media and Entertainment Payments Personal Finance and Planning Risk and Compliance Technology Hardware and Equipment Transportation


Skilled in: Corporate Development, Due Diligence, Legal, Portfolio Services & Add-on M&A, Private Equity & Growth Capital, Sell-side M&A

Technical Skills: Salesforce, Microsoft Excel, PowerPoint, SAP, Microsoft Office, JIRA, Slack, Google Suite, Tableau

Languages: Spanish, Italian, Portuguese, English, French

Work Experience

Novo - Small Business Fintech

Director - Banking Infrastructure Operations



- 01/02/2023

Banking Infrastructure Operations supports business units through efforts in KYC Onboarding, Process Improvement, Account Support, Automation, Vendor Management, Business Continuity and Project Management ensuring operational excellence for the platform intersecting technology, engineering, regulatory compliance, legal, product, risk, payments, customer success, and fraud through a 50+ person operation in the US and India. This area also relationship manages Novo’s sponsor/partner bank relationship Led the development of a strategy to build a network of fintech bank partners for deposits, lending, and other financial services resulting in a short list of bank candidates to grow the customer base Spearheaded the logistics for the delivery of 6,600+ debit cards to customers adversely affected by technology glitch resulting in mitigating loss of interchange revenue Leading the loan forgiveness efforts and guarantee submission for Paycheck Protection Program loans through the SBA resulting in recovery of over $6 million Accelerated the implementation adjustments of KYC Onboarding for the Stripe Atlas partnership, one of three fintech options on the platform for new entrepreneurs resulting in higher quality customer acquisition Driving efforts with IT for the development of an Information Security framework to regulate systems access for external partners resulting in the safety and security of internal company assets Negotiated with Bank Partner the implementation of Same Day ACH resulting in higher use of ACH product, faster funds delivery to customers, and customer retention Implemented monthly data reporting on KYC Onboarding, ACH, Debit Cards, and Customer Service to support oversight from sponsor bank resulting in compliance with new OCC regulatory requirements Successfully led the coordination of companywide efforts to support sponsor/partner bank in OCC Regulatory exam resulting in no findings that would hamper continuing operating Created Vendor Management and Business Continuity discipline within Banking resulting in the streamlined ability to consolidate and negotiate better pricing with vendors and prepare the company for any unforeseen event

Arpeggio Advisors

Managing Principal Consultant



- 11/06/2021

A curated approach to Management Consulting for domestic and international Startups and Small businesses Guidepoint Advisors: Consultant for shared micromobility, fintech, ghost kitchens and other verticals REEF Technology: Head for South Florida Operations with direct P&L responsibility for various business verticals including parking, ghost kitchens, retail, delivery fulfillment, energy, and health care. Led a team of seven direct reports and a workforce of over 300 employees responsible for real estate acquisitions, high end property parking operations, retail warehouses, inventory management, ghost kitchen performance for over 25 merchants in 10 locations throughout the region, food safety, and new merchant launches for all verticals. Collaborated cross-functionally with brand management, government relations, communications, delivery service platforms, information technology, and product development.


General Manager - Florida



- 01/12/2020

Head for the State of Florida for the leading micromobility startup globally leading a team of full time and contingent employees in driving impact through transportation solutions in micromobility. This includes scooters, bikes, and other potential modes of transportation that solve mobility challenges for cities and their residents and visitors. From partnering with counties and cities on developing the safest and best practices to ensuring operational excellence for every rider, I am responsible for crafting Lime's strategy and leading our staff in its execution Statewide. Great government relations with an operational excellence that follows is the name of the game. I also lead the RFP submissions and presentations in FL for expansion into new markets. I am directly responsible for the P&L and financial results for the market as well as negotiations with cities looking to provide transportation solutions for its residents. This involves solving complex problems through rigorous data analysis to support decisions in a fast paced environment. That being said, I have also fostered key internal relationships cross functionally to collaborate in leading our success in FL. Being in a startup also means being flexible and wearing several hats at once. From helping workers physically move warehouses, negotiating potential partnerships, meeting with city officials, to being interviewed by TV, print, and radio media outlets, I am energized by this level of versatility requirement in our ever changing times. Leading in tech today also means acquiring an expertise in managing a team to execute to operational excellence remotely and safely, a skill that has gained value with the challenges and realities of Covid 19. Particular to FL, I have also developed a skill in crisis management stemming from the logistic requirements hurricanes entail.


Country Manager - Jamaica, Trinidad & Tobago, Bermuda, and Haiti



- 01/05/2019

Leads the Strategy, Business Development and Execution in 4 markets in the Caribbean Drives forward the adoption of emerging payments technologies in various markets in the Caribbean as a part of a broader Latin American Group at Mastercard in Consumer and Commercial Payments Ecosystem Building: Leads Country Level business development and relationship management with local banks, regional banks, credit unions, processors, regulators, government entities, and industry disruptors relevant to market development Stewards account and country level strategy cross-functional team covering key verticals instrumental to the growth of a payments business to include digital technologies, marketing assets, consulting, loyalty and rewards, product, communications, finance, legal, and project management Oversees the development at a country level of a complete and sustainable ecosystem including issuing, acquiring, processors, contactless adoption, tokenization, 3D Secure 2.0, and other Digital Technologies for both physical commerce and the digital world (eCommerce) Serves as trusted consultant to executives in banks, financial technology firms (fintechs), credit unions, and other organizations in their exploration and deployment of new payment solutions Digital Champion on a country and client level devoted to supporting deployment and adoption of digital payment channels both in the physical world and eCommerce Supporter of traditional payments vehicles like credit, debit, and prepaid cards as a core products of the payments industry for clients Passionate about Financial Inclusion and the impact Mastercard can have in changing people's lives for the better


Director - Client Services Operations, Latin America and the Caribbean



- 01/07/2017

Managed a Team of Technical Operations Managers in Latin America and the Caribbean for Visa, Inc. My area focuses specifically on the implementation and delivery of all of Visa's Payments Technology capabilities to Issuers, Acquirers, Merchants, and Processors. As a technologist my own personal professional interests in this space are in the eCommerce and Digital platforms as that is the present and future of our industry. Responsible for day-to-day operational challenges and project coordination with cross-functional teams ensuring the operational, service, and implementation depth and breath of Visa’s Payments Technology is delivered to new and existing clients • Identifies operational efficiency opportunities working with business development, risk, strategy, product, and other Visa internal business partners launching and managing ongoing card issuances and new product deployments including digital technologies • Coordinates efforts for clients in the implementation of technologies like EMV/Chip and Smartphone Tokenization (Apple Pay, Samsung Pay) among others • Consults for clients on product operational strategy to improve authorizations rate and acceptance of Visa products


Managing Director - Latin American and Caribbean Business Development



- 01/11/2014

Senior executive and strategic business developer for multiple global RBC Business Lines including private banking, corporate and commercial lending, investment banking, capital markets, and asset management. Managed a Profit and Loss and client portfolio of over $125 million in credit exposures from corporate international clients regionally. Intimately involved in the management of operations for client service delivery. Served as Head of Corporate Banking for RBC Jamaica (2013-2014) managing the bank’s largest government and commercial clients • Developed and implemented market entry strategy into the Dominican Republic sourcing the first syndicated transaction in the country by partnering with other leading global banks • Led team in pricing and operational negotiations with one of the top 5 US Banks for payment services sought from RBC in the Caribbean • Presented and proposed negotiations for RBC to engage in a Mobile Money technology solution in Jamaica • Led RBC to the final round of an asset management mandate from a Costa Rican government owned bank worth $80 million leveraging relationships and consulting with their senior executives • Procured credit deals in various industries including infrastructure, ports, telecommunications, energy, cement, tourism and consumer goods in the Dominican Republic, Mexico, Panama, and Jamaica worth $1 billion • Led strategic planning and teams for senior sales and business development projects and initiatives collaborating internally with audit, compliance, risk management, finance, risk, forecasting and legal • Senior manager assigned complex projects by Senior Executives involving various internal platforms and colleagues globally

M&T Bank

Consumer Lending, Procurement, and Business Development Trade Finance Exec



- 01/09/2007


Wharton School, University of Pennsylvania



- 01/05/2003

University of Pennsylvania



- 01/05/2003

University of Pennsylvania - The Lauder Institute



- 01/05/2003