Alfonso Paniagua is a Co-Founder of Xtrategies, with over 23 years of experience in the Financial Services Industry, occupying senior level positions with Citibank, Banco Popular Dominicano and BPD International Bank. His areas of expertise include: bank cards and consumer banking, corporate banking, treasury, trading of US and Latin American bonds and securities, and FX operations. While at Banco Popular Dominicano, his responsibilities included managing one the Caribbean’s largest card operation with more than 1.2 million credit and debit cards and over US$1 billion in acquiring volume. He was also responsible for developing and deploying an ATM network which grew to over 350 ATMs, the Dominican Republic’s largest and most successful. He has acted as an independent consultant to First Data Corporation Latin America and Visa Latin America. Among some of his achievements, he was selected by both MasterCard and Visa LAC to participate in various regional Operational and Marketing committees and represented Visa LAC region on Visa International’s Products Committee. Prior to founding Xtrategies, he worked and developed projects for a Central American Financial Group which included a multicurrency funds transfer system and a strategic plan to position the group in the remittance market to Central America.