CrossTech Magazine - 7th Edition September 2022

CrossTech THE MAGAZINE OF THE CROSS-BORDER PAYMENTS INDUSTRY

Improve your BSA/ AML Compliance System Based on your personality

COLUMN OF OPINION

2022 CrossTech Innovation Awards All you need to know in page 27

B&T Câmbio Outstands the Market with Solid and Organic Growth

AD REPORT O essencial a se saber do novo Marco Legal de Câmbio e de Capitais Internacionais do Brasil INSIDE JOB

HERBERT HERNÁNDEZ CEO, BANTRAB 4Q 2022

EDITOR’S LETTER

Priscilla D'Oliveira Friedman Priscilla comes with an extensive background in operations management, strategy, process improvement, consulting and training. She started her career in American Express where she led a variety of teams in the call center industry (executive customer care, dispute resolution network and social media response team).

EDITOR’S LETTER

EDITOR Hugo Cuevas-Mohr CO-EDITOR Priscilla D’Oliveira Friedman WEB EDITOR Virginia Martínez DIGITAL PRODUCT MANAGER Ana González CREATIVE MANAGER Carolina Busnelli CONTACT US AT María Auxiliadora García help@crosstechpayments.com

The views and opinions expressed in this magazine are those of the authors and contributors and do not necessarily reflect the position of CrossTech, The Platinum Network or IMTC. The content here is for informational purposes only and should not be taken as investment, business, co mp lian ce, or le ga l ad vice. Co n ten t contained within this publication is not to be reproduced in whole or part without the prior written consent of the company. We welcome quotes of our articles by mentioning “CrossTech Magazine” or #crosstech and share the quote with us using our social media channels.

Accelerated and resolute is what defines the post-pandemic digitalization that has overcome any obstacle in the way of cross-border payments, becoming an advantage for companies involved and a disadvantage for those running late in their digital strategy.

As things move forward at a fast pace in the last quarter of the year, regulations began to unfold around the world setting up a new stage for money transfer ecosystem. It is starting to reveal the actors that are taking the reflectors and positioning as the leading figures aiming to.

The first ones to look at are those countries where Governments are working on the legal structure, providing a safe and healthy environment assuring companies have the right tools for addressing market demands.

2022 has been an exciting year making things clear and, by this way bringing a new perspective to where everything goes on, dictating the leading to a very successful 2023 entrance.

Our CrossTech consulting division is working with companies looking to step ahead and gain market within a regulatory frame in 2023.

Having strengthened ties with several companies worldwide as a result of combining experience by working with our clients to enhance financial and operational performance.

Thus, ensuring compliance, regulatory and legal inquiries, innovative technology, and digitalization expertise to their most urgent needs, accelerating its business.

We are prepared to face this final quarter with excitement and are willing to take you to the next level through our services: Conferences, Consulting, Magazine, Awards, and Community!

Join us now!

COO, CrossTech

© 2022 | ALL RIGHTS RESERVED

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Contact: remittance@bancodaycoval.com.br

CONTENTS

NEXT ISSUE 2022 OCTOBER

SPONSOR OUR NEXT EDITION PRINTED EDITION FOR CROSSTECH WORLD 2022 ADVERTISING | COLLABORATIONS | OPINION LEADERS | BE IN OUR COVER

AD REPORT B&T Câmbio Outstands the Market with Solid and Organic Growth Page 8

Hebrbert Hernández Director Ejecutivo Bantrab

INSIDE JOB O essencial a se saber do novo Marco Legal de Câmbio e de Capitais Internacionais do Brasil Page 12

Nice to meet you Page 22

COLUMN OF OPINION Improve your BSA/AML Compliance System based on your personality Page 16

GADGET CORNER Make your life easier getting the experiences you deserve.

Page 18

CROSSTECH AWARDS All you need to know

SPONSORS

29

HOTEL MAPS

30

AGENDA

32

SPEAKERS

34

TEAM

36

Page 27

5

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CONTRIBUTORS

YOU ARE READING

Julie Sepulveda - Marketing Manager Julie Sepulveda has more than 10 years of experience in marketing and has been working in the alternative financial services industry for the last eight years. She is responsible for maintaining, creating and developing marketing campaigns that increase brand awareness, customer retention, and market share.

Marcio Estrela - Around the Globe Economist, with an MBA in finance, more than 25 years of experience at the Central Bank of Brazil, from where he retired in July 2020, when he held, on the Collegiate Board, the role of Chief of Staff for Affairs International and Corporate Risk Management (Direx).

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B&T CÂMBIO OUTSTANDS THE MARKET WITH SOLID AND ORGANIC GROWTH One year from celebrating three decades of operations in the crossborder payments market, B&T Câmbio is one of the largest companies in its segment in Brazil and has developed a special approach to customer service.

O

ffering agility in its processes, cost reduction and excellence as its core, B&T Câmbio is the company that originated the B&T Group, which currently offers services related to the purchase and sale of foreign currencies in more than 50 branches in Brazil, international remittances, crossborder payments, tax and custom consultancy, and also as a broker, help its customers in the intermediation of high

8

| CROSSTECH

Ad Report

net worth transactions, supporting more than 1 million companies and individuals and operating more than 1.2 billion US Dollars per year.

A recent survey developed by the Group revealed an NPS of 84 and 87% of customers, assigning scores 9 and 10 that are willing to recommend B&T Câmbio to a friend or colleague. In the same survey, 77% of customers would use the adjective

Reliable to describe the products and services offered by the institution, while Service Responsiveness was evaluated with a score of 9.4 out of 10.

“As valuable as the dedication to the services that we provide, is the satisfaction of having the acknowledgement of our customers. This is how we fulfill our mission of offering the best commercial conditions, in an upstanding and transparent way, exceeding customer expectations and generating credibility and growth to the company”, says Tulio Portella, commercial director of the B&T Group.

Daniel Costa, developer and CEO of Icarus Tech, a startup that builds technological projects for companies in Brazil and the United States, describes his experience with B&T’s support.

“B&T has been our business partner for over 6 years, and throughout this time we have always been able to count on the promptness and outstanding attention of the entire team. Before our relationship with B&T, to send and receive international payments were a big issue for our company, and since the beginning of our partnership, it has been as simple and fast as texting on Whatsapp.”

As valuable as the dedication to the services that we provide, is the satisfaction of having the acknowledgement of our customers.

This is how we fulfill our mission of offering the best commercial conditions, in an upstanding and transparent way, exceeding customer expectations and generating credibility and growth to the company

189

165%

35.5

Countries

operations growth

billion Dollars

B&T Câmbio coverage, according to the Central Bank's ranking.

Compared to the first half of this year and the second half of 2020.

Between 2018 and 2021 operation.

Technological side With the technology advance, foreign exchange market has become less bureaucratic and accessible than 30 years ago. This evolution has made customer experience a top priority for players who want to stay on top and that is the reason why B&T is investing in new technology platforms as the industry rapidly evolves.

In a few months, the company is going to launch the second generation of its mobile app EasyWay Remessas, which has been renamed and will be called IZZI. The goal is to offer an online and intuitive journey in cross border payments, such as international transfers from account to account, approaching mainly an audience ranging from the ages of 25 and 55.

Looking into a solution that would suit companies of all sizes, the institution seeks to expand its customer base, by the concept of International Payments As a Service.

"Many companies present themselves as complete solutions for sending funds abroad, but actually they are platforms that seek clients and outsource its operation

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| CROSSTECH

Ad Report

to other companies. We are looking into growing within this outsourcing, establishing ourselves as a facilitator of digital solutions for fintechs, remittance companies and any other companies that want to generate revenue within the foreign exchange market," explains Vivian Portella, CEO of B&T Câmbio and Director of International Business of the B&T Group.

National and international growth Owner of the largest operation in money transactions in its sector, according to the Central Bank's ranking, operating $35.5 billion US Dollars between 2018 and 2021, B&T Câmbio covers 189 countries.

Recovering f rom the effects of the pandemic that affected the global market, the institution's volume of operations grew 165% when compared to the f irst half of this year and the second half of 2020, which of those 209% in Commercial exchange and 87% in Tourism exchange. The number of operations increased by 97%, being 132% in Commercial and 95% in Tourism in the same comparison.

READ COMPLETE ARTICLE

B&T Câmbio

Safe, fast and cost-efficient international payments transactions.

Payment distribution solutions in Brazil and abroad.

Say goodbye to bureaucracy, slowness, and abusive rates.

Get to know B&T Câmbio's products and services

Safe and fast in your transactions.

and start making operations 3x faster with costs up to 70% lower than banks.

Customized integrations via API.

Innovation and expertise at your service.

Sharing One Industry Voice Track legislation at federal and state levels.

Be briefed on latest industry trends.

Build relationships with other industry stakeholders.

Improve industry awareness and perception.

Network with and gain access to global clients.

Become a part of an important & influential voice in the Money Services Business industry. info@msbassociation.org

www.msbassociation.org

INSIDE JOB

starnet.estrela.consultoria @gmail.com

O essencial a se saber do novo Marco Legal de Câmbio e de Capitais Internacionais do Brasil A REALIDADE MUDOU, O MARCO LEGAL DE CÂMBIO E DE CAPITAIS TEVE DE SE APERFEIÇOAR

O

aprimoramento da regulação brasileira de câmbio e de capitais internacionais vem

sendo

um

processo

contínuo,

principalmente a partir da superação dos problemas de restrições de balanço de pagamentos que exigiam maior controle de divisas e que predominaram em todo o Século 20 até os primeiros anos do Século 21.

Com a superação das restrições de divisas, a acumulação de reservas internacionais e a economia brasileira mais inserida nas cadeias globais de valor, passou-se a buscar compatibilizar o marco cambial brasileiro à nova realidade para melhorar o ambiente de negócios e aumentar a eficiência do fluxo de recursos e investimentos.

Lei 14.286/2021 – a nova Lei de Câmbio e de Capitais Internacionais do Brasil A nova Lei de Câmbio e de Capitais Internacionais foi promulgada em 29.12.2021 – Lei 14.286/2021 – e entrará em vigência em 31.12.2022.

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A regulamentação infralegal da nova

O BCB emitirá ainda em 2022 uma

Lei está se dado por intermédio de processos de consulta públicas, com o

consulta para a regulamentação

BCB já tendo aberto a CP BCB 90/2022, de 12.5.2022 (encerrada em 1.7.2022), e a CP

das aplicações de investidores não

BCB 91/2022, de 19.7.2022 (encerrada em

residentes nos mercados financeiro

2.9.2022).

e de capitais no País e os capitais brasileiros no exterior

A CP BCB 90/2022 foi composta por propostas de 4 resoluções, 2 CMN e 2 BCB:

O BCB emitirá ainda em 2022 uma consulta para a regulamentação das

1ª Resolução (CMN) – diretrizes sobre as operações do mercado de câmbio.

aplicações de investidores não residentes nos mercados financeiro e de capitais no

2ª Resolução (CMN) – encargo financeiro nos casos de cancelamento de contrato de câmbio.

País e os capitais brasileiros no exterior e tratará de forma escalonada para entrar em vigor a partir de 2023 as modificações

3ª Resolução (BCB) – regulamentação do mercado de câmbio.

normativas relativas às:

4ª Resolução (BCB) – definição de residência.

Operações de câmbio interbancárias; Compensação privada de créditos;

A CP BCB 91/2022 foi composta por 1

Eliminação de prazos para liquidação

proposta de resolução BCB com foco

de operações de câmbio; e

em:

novas situações previstas em relação

Regulamentação do capital

à estipulação de pagamento em

estrangeiro no País;

moeda estrangeira de obrigações exequíveis no território nacional.

Operações de investimento estrangeiro direto e de crédito externo; e

O essencial para entender as mudanças

Prestação de informações ao BCB.

internacionais

do novo marco de câmbio e de capitais

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Novo Marco de Câmbio e de Capitais Internacionais

Situação Anterior Mais de 40 dispositivos legais (alguns com mais de um século)

Um dispositivo legal, atualizado e adaptável às mudanças estruturais e conjunturais da economia

Provisões descritivas especificando detalhes: modelos inovativos de negócio quase sempre não podem ser iniciados porque “não estão

Provisões com caráter mais principiológico que permite “encaixar” novos modelos de negócio, incentivando uma maior inovação

descritos” na regulação Regulação não proporcional: mesma regra para todos

Regulação proporcional ao risco, porte e atividade internacional das instituições

Operações de câmbio só por agentes autorizados

Operações de câmbio por agentes autorizados – que inclui as IPs entre os “players” – e liberadas as negociações até US$500 entre pessoas físicas, de forma eventual e não profissional

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Operações de câmbio pelos canais tradicionais

Estabelece o eFX como um “canal simplificado e com menos exigências” para prestação de operações de câmbio em situações “limitadas/de menor valor”

Vedada a compensação privada de créditos ou de valores entre residentes e não residentes

Prevista a compensação privada de créditos ou de valores entre residentes e não residentes – a regular

Recursos de exportadores podem ser integralmente mantidos no exterior – mas o CMN pode estabelecer limites – com destinação restrita e sendo vedada a concessão de empréstimo de qualquer natureza, mesmo para subsidiárias no exterior

Recursos de exportadores podem ser integralmente mantidos no exterior sem o estabelecimento de limites pelo CMN e sem destinação restrita – regras alinhadas às dos recursos mantidos no exterior de outras origens

Encargo financeiro do cancelamento de contrato de compra de moeda estrangeira sem limite préestabelecido e sem restrições a diferenciação de acordo com o setor produtivo e isenção até US$5 Mil

Encargo financeiro do cancelamento de contrato de compra de moeda estrangeira limitado a 100% e com proibição a diferenciação de acordo com o setor produtivo e isenção até US$10 Mil

Apenas bancos autorizados a manter contas correntes em moeda estrangeira no exterior

As instituições autorizadas a operar no mercado de câmbio (corretoras, inclusive) estão autorizadas a usar contas em moeda estrangeira no exterior para liquidar operações dos clientes

Cliente pode ser requerido a apresentar documentos e dados, inclusive os que já constem dos bancos de dados das instituições autorizadas ou que estiverem disponíveis em bases de dados públicas e privadas de acesso amplo

Proíbe a exigência de documentos e dados que já constem dos bancos de dados das instituições autorizadas ou que estiverem disponíveis em bases de dados públicas e privadas de acesso amplo

Valor para declaração no ingresso/saída do Brasil: R$10 Mil

Valor para declaração no ingresso/saída do Brasil: US$10 Mil

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Contas em moeda estrangeira no Brasil restritas a poucas situações e investimentos a partir destas contas limitados

Contas em moeda estrangeira no Brasil podem ser autorizadas pelo BCB – até às pessoas físicas – sem restrições aos tipos de investimentos a partir destas contas

Estipulação de pagamento em moeda estrangeira de obrigações exequíveis no território nacional limitada a poucas situações

Amplia as situações nas quais se pode estipular o pagamento em moeda estrangeira de obrigações exequíveis no território nacional e delega ao CMN as possibilidades de expandir a autorização, se mitigar o risco cambial ou ampliar a eficiência do negócio

Proibido a instituições financeiras aplicar ou promover a colocação no exterior de recursos captados no Brasil

Permite a aplicação no Brasil e no exterior dos recursos captados no Brasil e no exterior

Exigência de documentação subjacente para toda operação de câmbio

A instituição autorizada, conforme sua avaliação, pode dispensar documentação subjacente

Enquadramento cambial é responsabilidade da instituição autorizada.

Enquadramento cambial é responsabilidade do cliente

Cerca de 200 códigos cambiais

Proposta da CP BCB 90/2022: 10 códigos nas operações de até US$50 mil; 30% de redução na quantidade de códigos nas operações acima de US$50 mil

Todas as operações de crédito externo devem ser registradas no sistema ROF, inclusive importação financiada a partir de 360 dias

Proposta da CP BCB 91/2022: estabelece limites a partir dos quais as operações de crédito externo devem ser informadas para US$1 Milhão (empréstimos; recebimento antecipado de exportação) e US$500 Mil (importação financiada a partir de 180 dias)

Todos os fluxos de IED devem ser registrados no sistema RDE-IED

Proposta da CP BCB 91/2022: estabelece limite de US$100 Mil a partir dos quais os fluxos de IED devem ser informados

Declarações de estoque de IED devem ser prestadas a partir de R$250 Milhões (declaração trimestral); US$100 Milhões (declaração anual); e qualquer valor (declaração quinquenal)

Proposta da CP BCB 91/2022: altera os limites a partir dos quais as declarações de estoque de IED devem ser prestadas para R$300 Milhões (declaração trimestral); R$100 Milhões (declaração anual); e R$100 Mil (declaração quinquenal)

Elaboração: “Starnet Estrela – Consultoria & Treinamento em Regulação”. Fonte: CP BCB 91/2022; CP BCB 90/2022; Lei 14.286/2021; Circular BCB 3.795/2016; Circular BCB 3.691/2013; Circular BCB 3.689/2013.

READ COMPLETE ARTICLE 15

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IMPROVE YOUR BSA/AML COMPLIANCE SYSTEM BASED ON YOUR PERSONALITY

By: Julie Sepulveda THE ALWAYS PREPARED The Always Prepared person does not need help knowing what needs to be done; they need help working more eff iciently. The complexities

What’s Your Compliance Personality?

O and

of compliance are no surprise, but managing this cumbersome task is challenging.

ne of the most valuable things we

PERSONALITY TRAITS

have learned in the past 40 years

This person has only been late to work once,

in the industry is how to develop

improve

compliance

services

and that was because the CFPB webinar on

and

remittance transfers ran 10 minutes late.

technology solutions based on the needs

They rarely call in sick; when they do, they

of the many personalities we have worked

check in mid-day to see if the CTRs have

with.

been f iled.

The three distinctive yet congruent personality types are:

THE SOLUTION Compliance

Management

Portal

The Always Prepared

The

The Procrastinator

nuances like; document storage, calendar

automates reminders,

The Old Timer

several

BSA/AML

employee

compliance

training,

and

monitoring logs.

Automated Transaction Monitoring lets your compliance work for you. The comprehensive

Which one are you?

cloud-based system screens KYC and has automatic CTR/SAR f iling, case management for back-end review, and real-time data aggregation across brands, products, and locations.

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COLUMN OF OPINION

THE PROCRASTINATOR

THE OLD TIMER

The procrastinator is never prepared and is

The Old Timer has been in the money transfer industry since before the Money Laundering Control Act of 1986. Technology is not their f riend; they need help bringing their policies and procedures into the 21st century.

not entirely sure what day of the week it is.

Waiting until the last minute costs them a lot of extra time and money. They are completely overwhelmed

with

their

compliance

responsibilities and don’t know where to start.

PERSONALITY TRAITS

PERSONALITY TRAITS Their “bulletproof ” internal monitoring log has not been updated since George H. W. Bush’s administration.

They were appointed Compliance Off icer by their Dad two years ago but had no idea what a SAR is.

To them, FinCEN is something they got rid

They are in utter shock when their compliance processes break with the defense, “but that’s the way we’ve always done it.”

of at the age of 15 when their Mother forced them to use Grandma’s famous ointment that cures anything.

THE SOLUTION

THE SOLUTION Online Employee Training will bring their BSA/AML compliance awareness up-todate.

Consulting with a BSA/AML compliance professional will help map out a plan to get even a procrastinator on track.

Updated monitoring logs are available through the Compliance Shop and will ensure that you document proper procedures.

In the Compliance Management Portal, Calendar

Reminders

will

notify

you

of

important due dates.

All of these personalities keep us on our toes and our minds sharp.

Regardless of your identity, there is always room to improve your compliance systems.

17

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INDUSTR LEADERS

RY S

Bantrab was born in 1966 to meet the credit needs of workers and promote their well-being.

It occupies the sixth position in the volume of assets and is one of the most profitable institutions in the Guatemalan banking system. In this interview, your CEO talks about leadership and industry challenges.

HERBERT HERNÁNDEZ CEO, BANTRAB

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Bantrab acknowledges the efforts made by the 3.4 million Guatemalans who live and work in the United States. They’ve conquered fear and uncertainty in search of work opportunities that may allow them to provide a better life for their loved ones back home.

XT. Herbert, you run an organization of over 4,600 people. What do you consider to be the qualities that characterize good leadership?

and services to overcome overindebtedness, rewrite their credit history, fulf ill the dream of traveling, buy a house or a vehicle, or start a business. The second includes f inancial education initiatives, labor inclusion, sports, and community support; and the third technological tools to bring banking closer to workers.

HH. Leaders must have suff icient studies and experience to carry out their role, have a short, medium, and long-term strategic vision, adapt to change and foster the conditions for human talent to develop and identify with the organization. All this will make the organization achieve its goals. There is no leader without results.

XT. What is Bantrab's competitive advantage in the remittance industry?

HH. Bantrab recognizes the efforts of the 3.4 million Guatemalans who live and work in the United States.

They overcame fear and uncertainty in search of work to provide a better life for their loved ones. This, and our mission is to promote the welfare of workers wherever they are, motivated us to develop the Bantrab Remittances App, which allows migrants to send money f ree of charge and in real-

XT. What element has marked your trajectory in Bantrab?

HH. The genuine interest in supporting workers to achieve their comprehensive well-being. We have designed a strategy based on three pillars: f inancial, social, and digital.

The f irst is to offer them products

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time to their family and f riends in Guatemala f rom their cell phones.

We also offer you the opportunity to open and manage Bantrab accounts f rom your cell phone through the YoLo electronic wallet.

Likewise, we address your concern about the use your family and friends in Guatemala make of the money they send. We offer them free tools to take advantage of the fruit of their work, including the BanConsejos personal finance advisory office and the BancAprende financial education platform.

XT. What do you think will be the main challenge for the remittance industry in the coming years?

HH. Digitization. The incursion of actors such as Facebook and Amazon into the financial products and services market requires permanent technological innovation.

XT. What do you expect from Cross Tech World 2022?

Herbert Hernández is the Executive General Director of Bantrab. He has more than 25 years of banking experience in Guatemala and the United States. He is a Business Administrator with master in Business and Marketing, and Digital Transformation.

HH. Stay at the forefront. I have had the opportunity to participate in this event since its birth and witnessed its evolution and valuable contribution to the industry.

HH. Happiness is different at each stage of life. At this time, and after the COVID-19 pandemic, I consider that my main reason for joy is my health and that of the people around me.

XT. Finally, we would like to explore your facet. Tell us what makes you happy and what you miss most about your childhood.

25

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The Alacer Group

Laura Cohen Hi, I am Laura and I work with The Alacer Group to help global financial institutions fight money laundering and fraud.

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Welcome Course Participants Welcome Course Participants SEMINOLE BALLROOM A SEMINOLE BALLROOM A

09:15 - 10:00 09:15 - 10:00

S Cryptocu Crypt Cryptocurrency Crypto Busin

MTCC Compliance Course: AML Risk Management Foundations of AML Management MTCC Compliance Course: AML RiskRisk Management Foundations of AML Risk Management

10:00 - 11:15

Coffee Break - Networking Meetin

10:00 - 11:15

Coffee Break - Networking Meetings MTCC Compliance Course: AML Risk Management Building, Updating & Managing an Anti-money MTCC Compliance Course: AML Risk Management Laundering Risk Assessment Building, Updating & Managing an Anti-money Laundering Risk Assessment

11:15 - 12:00

11:15 - 12:00

Cryptocu Par Cryptocurrency Partnership

MTCC Compliance Course: AML Risk Management Controlling Your Risk Partners andVendor Risk (Banks, Payment MTCC Compliance Course: AML Risk Management Processors,Correspondents, Forex, Traders) Controlling Your Risk Partners andVendor Risk (Banks, Payment Processors,Correspondents, Forex, Traders)

12:00 - 12:45

12:00 - 12:45

12:45 - 14:00

Cryptocu

Cryptocurrency Solution

Lunch Break

12:45 - 14:00

Lunch Break MTCC Compliance Course: AML Risk Management Using Tools for Risk Management and Managing Regulators MTCC Compliance Course: AML Risk Management Using Tools for Risk Management and Managing Regulators

14:00 - 14:45

14:00 - 14:45

14:45 - 16:00

Coffee Break - Networking Meetings

16:00 - 16:45

MTCC Advanced Compliance Workshop

UPDATES: Regulatory; Sanctions, USA (State & Federal Level)

MTCC Advanced Compliance Workshop

UPDATES: Regulatory; Sanctions, USA (State & Federal Level)

16:45 - 17:30

16:45 - 17:30

Mana

MTCC Advanced Compliance Workshop

UPDATES: Regulatory; Sanctions, EU & other International

MTCC Advanced Compliance Workshop

UPDATES: Regulatory; Sanctions, EU & other International

Partne

Welcome Reception at the Pool

18:00 - 21:00

Welcome Reception at the Pool

18:00 - 21:00 XT

Assessing your

Coffee Break - Networking Meetin

14:45 - 16:00

16:00 - 16:45

Assessin

32

er 15, 2022

e Course Participants SEMINOLE BALLROOM B

SEMINOLE BALLROOM B Cryptocurrency Workshop: Using Crypto in Payment Cos Crypto Business Basics - Crypto & Forex Management urrency Workshop: Using Crypto in Payment Cos to Business Basics - Crypto & Forex Management

k - Networking Meetings

ngs

Cryptocurrency Workshop: Using Crypto in Payment Cos Partnerships in Crypto: Challenges & Opportunities urrency Workshop: Using Crypto in Payment Cos rtnerships in Crypto: Challenges & Opportunities Cryptocurrency Workshop: Using Crypto in Payment Cos Solutions in the Market (Service Showcase)

urrency Workshop: Using Crypto in Payment Cos Solutions in the Market (Service Showcase)

unch Break

The Digital Way Assessing your Digital Strategy - Transformation Challenges

The Digital Way ng your Digital Strategy - Transformation Challenges k - Networking Meetings

ngs

FULL AGENDA

The Digital Way Managing your own path: Try/Fail & Pilots

The Digital Way Managing your own path: Try/FailThe & Pilots Digital Way Partnerships: Solutions in the marketplace

Networking Spaces Course Workshop Networking Spaces

The Digital Way Partnerships: Solutions in the marketplace ption at the Pool

Course

Product Demostration

Workshop

Event/Meal

Product Demostration Event/Meal 33

XT

SPEAKERS

HUGO CUEVAS-MOHR

DARIO GAMBOA

NABIL KABBANI

ERICK SCHNEIDER

ANDREW ITTLEMAN

PRISCILLA D'OLIVEIRA

ALBERTO GUERRA

ROBIN GARRISON

CAROLYN DICHARRY

AMY GREENWOOD-FIELD

JOE CICCOLO

ZORY MUÑOZ

BERENICE LEON

MARINA OLMAN-PAL

KATHY TOMASOFSKY

JAIME MARQUEZ

BRANDI REYNOLDS

ALEX PEREIRA

JENNIFER CROWDER

JOÃO CAMPANELLI

GENE NIGRO

JORGE GODINEZ

JAIRO RIVEROS

RONALD MAZURSKY

DANIEL WOOD

CONFIRMED SPEAKERS XT

34

CrossTech

OUR TEAM Hugo Cuevas Mohr President & CEO CrossTech

Priscilla D'Oliveira COO CrossTech

Jennifer Holguín Lead Consultant

Claudia Ávila Director of Conferences and Sales

Isabel Cortes UK Consultant

Ma. Fernanda Valera

Digital Events Coordinator

Lourdes Soto Spain Consultant

María A. García Customer Service

Virginia Martínez IT Consultant

We are thankful to all our staff and the supporting team of collaborators who help us develop our conferences in each of the cities and regions we select to host them. Without their help, it would be impossible for us to give all the participants in our in-person and virtual events the unique experience we strive to give everyone attending.

Marcela Molina Sr. Designer

Ana González Digital Product Manager & Content Carolina Busnelli Creative Manager & Content

Check our next destinations and join us!!

Juan Posada Business Analyst

Diana Jofre Executive Assistant

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36

MAGAZINE

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• 11 Sections • 6 Contributors per issue

• +8,500 Total distribution • +21,000 Impacts

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