MANAGEMENT TEAM

MARIO F. HERNÁNDEZ
MARIO F. HERNÁNDEZCEO
CLIFFORD WILDES
CLIFFORD WILDESCHIEF STRATEGY OFFICER
JOHNNY ROBLES
JOHNNY ROBLESCHIEF TECHNOLOGY OFFICER
STEWART CARLIN
STEWART CARLINCHIEF FINANCIAL OFFICER
KHYAL
KHYALCHIEF MARKETING OFFICER
ANA MARTÍNEZ
ANA MARTÍNEZFINANCE MANAGER
RAFAEL SIBAJA
RAFAEL SIBAJAIT MANAGER
DIEGO FONSECA
DIEGO FONSECAINNOVATION MANAGER
ALFONSO JIMÉNEZ
ALFONSO JIMÉNEZOPERATIONS MANAGER

MANAGEMENT TEAM BIOS

Mario Hernández is founder and CEO of IMPESA, an electronic payments solutions company and creator of Monibyte, an innovative SaaS corporate payments platform, and a principal member and issuer of Visa and MasterCard credit cards.

In January 2015, less than a year after Monibyte was released, he received an international award for Best Innovation in Retail and Commercial Banking and was interviewed at the London Stock Exchange.

Mario is an expert in payments solutions focusing on new technologies and innovation. He has had a successful trajectory of more than 16 years in the financial sector in several countries, including the United States, Canada, Mexico, Central America, South America and the Caribbean. In 2008, he was transferred to Canada and appointed Credit Cards Director for Latin America and the Caribbean at the corporate offices of Scotiabank Toronto.

Mario completed his undergraduate studies at ITESM in Monterrey, Mexico, obtaining a degree in industrial and systems engineering. He earned his MBA from Bryant University in 1997, and in 2008 he completed the Advanced Management Program at Harvard Business School. He has been a teacher at the level of graduate studies in several universities and has been invited to participate in lectures, conferences and training courses internationally, including in Mexico, Guatemala, El Salvador, the United States, Chile, Canada and Kazakhstan. He has published numerous articles in leading financial newspapers and magazines, and was recognized as an outstanding 40 Under 40 Leader by El Financiero in 2008.

Cliff Wildes has over 30 years of executive management experience in private and public companies. During the past three decades, he has held numerous roles as Founder, CEO, COO, President and Chairman in a series of public and private entities.

Cliff has significant experience in the microelectronics, computer hardware and software industries, financial services, as well as consulting for both technology and non-technology sectors, both domestic and international. He has participated in, founded or structured, a number of private companies becoming public companies by reverse merger and S1 registration, as well as facilitated funding of equity or debt in both public and private companies in excess of $250MM.

In addition to being the Founder and Managing Member of Triad Capital, LLC in Sarasota, Florida, Cliff holds Series 24, 62, 63, 65, 79 and 99 FINRA / SEC registrations.

A serial entrepreneur, Cliff was Founder and CEO of Meridian Capital Inc in Florida, a self-funded venture capital firm in the late 90’s that provided the initial funding and financing for Nova Interactive Inc and Morgan Beaumont Inc / nFinanSe.

Founder, CEO and Chairman of nFinanSe, Inc, (formerly Morgan Beaumont) a publicly-traded company that is a premier provider of stored value and prepaid card solutions in the United States. Cliff started nFinanSe in 2001, took the company public in 2004 and left as its Chairman in 2007.

In 1985, he founded and was CEO and Chairman of Microtech International Inc, a $43mm in annual revenue privately held computer peripheral and electronics Company in the USA, UK and Japan that he sold to a Japanese public company in 1995.

Cliff has extensive international trade experience in the Asian markets as Co-Founder and Vice Chairman of RamState Electronics located in Tokyo Japan, Co-Founder and Chairman of Microtech Japan in Tokyo with offices in Hong Kong and Co-Founder and Director of Ado America, a wholly-owned US subsidiary of Ado, a Japanese publicly-traded company.

Born in Boston, Massachusetts, Cliff earned a Bachelor of Science degree from the University of Massachusetts Boston / Boston State College.

Johnny Robles is a strategic information technology executive with over a decade of experience in IT services within the banking industry. Prior to joining Impesa, Johnny was CIO at Banco Lafise Costa Rica in charge of all the IT operations, projects and innovation.
Stewart has extensive experience in corporate finance and investment banking across the Financial Services, Consumer Products, Healthcare and Real Estate industries. He has built his career around a passion for helping leaders understand their business potential through the development of insightful analytics and financial planning. Having fulfilled key financial planning and analysis (FP&A) roles for both private and public companies, Stewart has expertise spanning across multiple financial disciplines including strategic planning, treasury, business development, financial analysis, and investment banking.

Prior to joining Impesa, Stewart served in numerous positions including Director of Finance for a Top 50 US homebuilder as well as on the financial management team for large multinational companies including Johnson & Johnson and Coty Inc, both members of the S&P 500 Index. Throughout his career Stewart has raised over $150 million in capital to fund the growth of businesses as well as developed strategic plans and analytical tools to help companies both large and small achieve their growth and profitability goals.

In addition to his work in corporate finance, Stewart has also spent time as an Associate in Investment Banking for Houlihan Lokey and Triad Capital. Currently an Associate with Triad Capital, Stewart provides advisory services to businesses on corporate finance, business valuations, mergers & acquisitions, exit strategy planning and capital raising. During his time in banking Stewart has developed pitch materials for transactions valued over $2 billion and lead the financial due diligence for over 65 different investments in real assets.

Outside of general finance, Stewart has developed single-family residential communities, invested in commercial real estate and served as Founder and Managing Member of a Florida based Insurance Brokerage.

From Long Island, New York, Stewart spent 18 years playing competitive hockey including Division 1 college hockey. Stewart received his BBA in Finance from the University of Notre Dame and is also a graduate of the Johnson & Johnson Finance Leadership Development program. He is a Level III CFA Candidate, has his Series 65 FINRA registration as well as a Florida Real Estate license.

kHyal is an award-winning creative director, strategist, designer, writer and marketing executive. She has extensive experience working with national and international brands, corporations and agencies in the US, UK, Canada, Argentina, Germany and Costa Rica in technology, healthcare, education/digital publishing, finance, non-profit and consumer product verticals.

kHyal is currently President at fiZz Agency, and has held the positions of Chief Creative Officer at Metropolitan interactive; Creative Director at Havas Worldwide, NetKey and Microtech international; and Vice President of Marketing at blowtorch studios and SunStar interactive. Her client roster spans a wide range of brands and corporations including: Pitney Bowes, Sharp Electronics, Xerox, Lexmark, Konica Minolta, ProLabs, MTV, Showtime Networks, GAP, BMW, UPS, Diageo, Datto, LVMH Moët Hennessy Louis Vuitton SE, Deutsche Bank, Black&Decker, UBS Investment Bank, Whitney Museum of American Art and Carnegie Mellon University.

kHyal has served on the MIT Enterprise Forum of New York City’s Marketing Committee; co-chaired the Fundraising Committee of Volunteer Lawyers for the Arts, Los Angeles; and was an active member of the Connecticut Technology Council’s Vice President of Marketing Forum. She was a juror for the London Interactive Advertising Awards, a judge for Hasbro’s Project Upcycle Design Awards, served as Communications Chair for the American Institute of Graphic Arts (AIGA) Brand Central Chapter, and is currently on the advisory board of GraphicDesign.com. She is a founding member of the Women’s Internet History Project and an active member of the Type Directors Club, Art Directors Club, AIGA/NY and 212NYC in Manhattan.

kHyal majored in Mass Communications at Emerson College in addition to studies at The School of the Museum of Fine Arts, Boston; The Art Institute of Boston; Boston Film and Video Foundation; Loyola Law School; Kodak’s Center for Creative Imaging and FIT.

kHyal is an Adjunct Instructor at Miami Ad School New York where she teaches Product Creation and Innovation; and was an adjunct professor at Anhui Polytechnic University in Wuhu City, China through the Shintaro Akatsu School of Design at University of Bridgeport where she taught Design Thinking and Methodologies.

kHyal’s art and design have been exhibited in the American Visionary Art Museum, Pavilion der Volksbühne–Berlin, New Britain Museum of American Art, la Gaîté Lyrique–Paris, Housatonic Art Museum, City Museum–Washington–DC, Intuit–Chicago, EGGO Arte–Buenos Aires, Cooper Union–New York, Art Basel–Switzerland, and galleries from New York to Los Angeles and London. She has been a contributing writer to Creativepro and Communication Arts magazine.

Speaking engagements and workshops include: FleetBoston Financial’s Women Entrepreneurs’ Connection, Advertising Women of New York (AWNY) Annual Career Conference, Fashion Institute of Technology (FIT), Sacred Heart University, Connecticut Art Directors Club (CADC) Student Conference, The Creative Circus–Atlanta, School of Visual Arts (SVA)–New York, The Grove–New Haven, HOW Design Live–Boston Creative Freelancers Conference, Hygienic Academy, Wakefield Boys and Girls Club, AIGA Rhode Island and The Amistad Center for Art & Culture at The Wadsworth Atheneum.

Ana is an executive with over 20 years’ experience in the banking and financial sector. She is an expert in Credit Card companies and generally in the payments industry. She specializes in the optimal management of accounting and finance departments, focusing on continuous improvement and control of financial risk mitigators.

Rafael holds a master’s degree in project management and has extensive experience in the software industry, particularly in the financial services market. His experience includes developing new solutions and leading technology-related projects at institutions such as Banco Interfin, Banco Alemán Paraguayo, Scotiabank, Banco de Costa Rica, Coopenae and others.

With 19 years of experience, Rafael has worked in different companies related to the software industry, such as Sysde, ORCASE, and Prosoft. He has held different positions such as programmer, analyst, architect, and director of software development projects. At IMPESA Rafael is responsible for hiring technology staff; license and equipment procurement; and project management on software and hardware technology projects.

Diego is a software engineer and a researcher with over ten years of experience in developing software systems. He is a self-taught expert in the Java, C# and JavaScript programming languages. He is also passionate about emerging technologies and industry trends. Diego was part of the original MONIBYTE platform design as a software architect, and is currently Innovation Manager at IMPESA.

In 2015, Diego served as a professor at the University of Costa Rica where has regularly given workshops and talks to students and professors about issues related to software systems architecture, new trends and programming languages. Prior to 2013, he worked for six years on environmental, social and technological responsibility projects for personal banking and the Costa Rican financial sector’s stock exchange.

Alfonso Jiménez has 25 years of experience as an executive in public and private Banking. He has directed operations and spearheaded projects for numerous entities, and is an expert in client service improvements.

Alfonso’s attention to detail provides a competitive advantage in quality control. During the last three years, he has tended to IMPESA’s regional support, offering critical enhancements in the development and quality of client services.

BOARD OF DIRECTORS

MARIO F. HERNÁNDEZ
MARIO F. HERNÁNDEZCHAIRMAN
CARLOS HERNÁNDEZ, VICE CHAIRMAN
CARLOS HERNÁNDEZ, VICE CHAIRMAN
ROBERTO CELASCO
ROBERTO CELASCOSECRETARY
GERÓNIMO CARMIOL
GERÓNIMO CARMIOLTREASURER
ARTURO CONDO
ARTURO CONDODIRECTOR
ALEJANDRO BATALLA
ALEJANDRO BATALLADIRECTOR
GILBERTO SERRANO
GILBERTO SERRANODIRECTOR
RODOLFO APÉSTEGUI
RODOLFO APÉSTEGUICONTROLLER

BOARD OF DIRECTORS BIOS

Mario Hernández is founder and CEO of IMPESA, an electronic payments solutions company and creator of Monibyte, an innovative SaaS corporate payments platform, and a principal member and issuer of Visa and MasterCard credit cards.

In January 2015, less than a year after Monibyte was released, he received an international award for Best Innovation in Retail and Commercial Banking and was interviewed at the London Stock Exchange.

Mario is an expert in payments solutions focusing on new technologies and innovation. He has had a successful trajectory of more than 16 years in the financial sector in several countries, including the United States, Canada, Mexico, Central America, South America and the Caribbean. In 2008, he was transferred to Canada and appointed Credit Cards Director for Latin America and the Caribbean at the corporate offices of Scotiabank Toronto.

Mario completed his undergraduate studies at ITESM in Monterrey, Mexico, obtaining a degree in industrial and systems engineering. He earned his MBA from Bryant University in 1997, and in 2008 he completed the Advanced Management Program at Harvard Business School. He has been a teacher at the level of graduate studies in several universities and has been invited to participate in lectures, conferences and training courses internationally, including in Mexico, Guatemala, El Salvador, the United States, Chile, Canada and Kazakhstan. He has published numerous articles in leading financial newspapers and magazines, and was recognized as an outstanding 40 Under 40 Leader by El Financiero in 2008.

Prior to establishing Pragma Legal as a Founding Partner, Carlos Hernández-Aguiar was Founding Partner of FH Legal (2012), previously Facio Abogados (2001), and a Founding Partner, and Partner at Guardia, Cubero & Facio (1998-2001).

His practice focuses on foreign investment advisory, counseling multinational companies in their establishment and operations in Costa Rica. He advises developers, promoters and purchasers on all aspects of commercial and residential real estate, including planning, development, financing and transaction structuring. Centered on shoreline zone development, condominiums and hospitality and leisure schemes, Carlos also counsels leading companies in the hospitality industry on corporate and labor matters.

Carlos is a prominent attorney, visionary entrepreneur and Co-Founder, Partner and Board Member of two companies from the financial sector. He is also Partner and Board Member in several real estate development projects in San José, Alajuela, Central and North Pacific.

Roberto Celasco is Founder, President and CEO of Grupo Industrial Diversificado, S.A. a company dedicated to the processing of plastic, thermoforming and plastics recycling. Under his leadership Grupo Industrial Diversificado was recognized as one of the most important exporting companies in El Salvador. He is also Co-founder and managing partner of Celcorp Capital, S.A., a firm dedicated to investment banking services and private equity projects. And, on the board of directors of other important regional companies, and real estate development companies.

Roberto was Vice President of Coexport, the Foreign Trade Promoter between 2001 and 2006. In this role he was responsible for designing and implementing policy of Foreign Trade, conducting international trade negotiations to defend the commercial interests of the country, and working to attract foreign direct investment and export promotion.

From 1983-1988, Roberto was General Manager of ADOC. Under his leadership ADOC was recognized as the most important shoe manufacturing company in Central America.

Roberto graduated from Purdue University with a concentration in Industrial Engineering and Engineering Management. He also earned a degree from Krannert School of Business at Purdue University in Business Administration with emphasis in Finance.

Luis Gerónimo Carmiol has deep experience in executive roles for multinational companies including Marketing and Sales leadership for Republic Tobacco Co; Merck Sharp and Tames, where he led the restructuring sale in Central America. He was General Manager at Merisant Inc. for Latin America, North (formerly Monsanto), where he led strategic planning, commercialization, operations and new business development. He holds a degree in Business Administration from the International University of the Americas, and a Master’s in Business Administration from INCAE Business School.
Arturo Condo is Professor of Strategy and Competitiveness and former President of INCAE, a leading business school and think tank in Latin America. He is a researcher, author, innovator, advisor and global citizen.

Ecuadorian by birth, Latin American by heart, Dr. Arturo Condo served as President of INCAE Business School between 2007 and 2015. Prior to that, he was Dean of the MBA, Dean of Innovation and Development and Director of the Latin American Center for Competitiveness and Sustainable Development (CLACDS). Through the years he led a team of professors and researchers to create and launch new versions of the school’s MBA and Executive MBA programs, renovated the leadership structure of the school, supported a new generation of Executive Education programs, attracted a renewed community of allies and donors, while sustaining INCAE’s commitment to the Central American integration process with a regional and global perspective. He also led INCAE’s involvement in the development of leaders for the public sector, the promotion of greater participation of women in top leadership and the adoption of the MBA Oath, a compendium of ethical principles for business leaders. From INCAE and CLACDS, Dr. Condo and his teams have worked with private and public leaders to strengthen competitive clusters and promote sustainable development. He is a founding member of the Central American Private Sector Initiative (CAPSI), a group of regional leaders focused on improving the lives of Central Americans through regional action. He is also a member of the Advisory Committee of the Social Progress Index for Mesoamerica. He has taught at INCAE’s MBA and executive programs and is author and co-author of a number of articles, books and teaching cases in business strategy, international business, competitiveness and sustainable development. He has a Doctorate from Harvard Business School in business strategy and competitiveness and was recognized as a “Distinguished Scholar” in his MBA at INCAE. Dr. Condo serves as Senior Institute Associate of Harvard’s Institute for Strategy and Competitiveness, a think-tank led by Prof. Michael Porter. His research has focused on the development of sustainable competitive advantage by Latin American firms both locally, regionally and globally.

He has also worked as a consultant in strategic planning and global strategy for firms and industry organizations in Latin America and Asia. He has been advisor to multilateral organizations like the Inter-American Development Bank (IDB) and the Asian Development Bank. In 2014, he launched Keyword Centroamerica, a strategic information company where he serves as Chairman. He is also a member of the Board of Directors of Bancolombia, the largest bank in Colombia; and of IMPESA, a fintech startup with an award-winning product, Monibyte.

In 2006, he was named to the Inaugural Class of the Central American Leadership Initiative (CALI), an Aspen Institute Fellowship. In 2007, the World Economic Forum (WEF) recognized him as a Young Global Leader  (YGL), an honor bestowed to “recognize and acknowledge the most extraordinary leaders of the world under the age of 40”. As part of the YGL community, he was co-founder of the YGL Business Oath and later a founding member of the Advisory Board of the Global Business Oath Project, both projects that aspire to change ethical behavior of business leaders around the world. Dr. Condo became a key supporter for the creation of INCAE’s MBA Oath Club in 2011, which seeks to create awareness in the minds of INCAE students and graduates about the importance of personal ethics and sustainability values in the business world. His work also focuses on gender equality, having founded INCAE’s Center for Women’s Leadership. As part of the World Economic Forum, he is a member of the Latin American Competitiveness Lab and the Global Agenda Council on the Future of Jobs, and since 2015 is a Member of the Inter-American Dialogue.

Dr. Condo is passionate about higher education and Latin America’s increasing role in the world. He is a strong believer in the power of youth to change the world. He is the Founding Curator of the San Jose Hub of the Global Shapers Community, part of the World Economic Forum.

Alejandro Batalla advises local and foreign clients in Constitutional and Administrative Law, and various aspects of the Corporate and Income Tax Law. He has extensive experience in advising foreign investment, mergers and acquisitions, and has been an advisor to private equity firms. He has been principal attorney in several lawsuits on matters relating to Public Law.

Alejandro has contributed to the improvement of the education of law in the country as a law professor at various universities, lecturer at seminars and conferences and as a legal researcher. He is the author of more than twenty articles on Constitutional Law and Administrative Procedures. He has also been a member of different banks and industry boards, and he is a member of the Costa Rican Chamber of Commerce. He graduated in law from the Universidad Autónoma de Centroamérica (1983) and has a Master and a Doctorate degrees in Public Law from the Université de Bordeaux (1986).

Rodolfo is a public accountant whose professional experience has been shaped at international companies such as Price Waterhouse and the Banex Corporation’s Stock Exchange (now Davivienda Bank). Currently he is the Managing Partner of Keystone Strategic Partners, a company dedicated to evolving companies with services that range from strategic clarification and mergers and acquisitions to private capital fund management.

Rodolfo worked for the Cuestamoras Group for 15 years where he held high executive positions in different companies for the recognized Costa Rican holding company. He was in charge of diverse projects from company restructuring, stock exchange investment structuring and diverse negotiation projects to buying and selling companies. Likewise, he has served on various boards of directors in the hotel, real estate, telecommunications, financial health and restaurant industries