Achievements that matter

Impact delivered.
Results that scale.

A track record of turning complex problems into measurable business outcomes across banking and fintech.

Nicolas Ruiz

Created & prototyped the International Retail Banking CRM

CAD $3M

Created the product vision, secured funding and deployed it at Scotiabank Chile.

Reduced discovery from 5 months to

2–3 weeks

Built a scalable company-wide delivery model that helped move implementation projects from Waterfall to Agile.

Identified

$47M

in expense reduction opportunities by turning data into prioritized actions.

Modernizing backend payments at Tangerine

Built a new payments team around continuous delivery, shipping VISA OCT on the date committed eight months earlier and scaling the same approach into RTR.

Featured case study · International Retail Banking CRM

From a legacy global CRM to a product countries wanted to adopt

Countries were losing confidence in a monolithic platform; Chile had already abandoned it, and technical debt made even simple changes painfully slow.

0→1 Product VisionRapid PrototypingCustomer 360Agile Leadership
$3MInvestment from Scotiabank Chile
Top 5Among the bank's most agile projects
LATAMRegional roadshow and reusable practices

Challenge

Restore country confidence in a CRM that was slow to change and no longer met local needs.

What I changed

I replaced a slow monolithic CRM approach with a customer-centric product vision: Customer 360, cross-channel campaigns and next-best action. The prototype created shared direction, secured a delivery team and introduced an Agile model countries could adopt.

Proof

Chile invested $3M and became the first deployment. The team's documented practices were reused elsewhere and earned top-five Agile recognition.

Featured case study · Technisys

Turning waterfall-heavy implementations into a scalable Agile playbook

Rapid growth from roughly 500 to 1,500+ employees exposed a delivery model that was still document-heavy, repetitive and difficult to scale.

Operating ModelAgile TransformationDiscoveryEstimation
5 mo → 2–3 wkDiscovery cycle reduced
90%Pilot-project satisfaction
500 → 1,500+Growth the model supported

Challenge

Scale core-banking implementations while reducing five months of discovery paperwork, overlapping roles and inconsistent client outcomes.

What I changed

I streamlined roles and created a documented playbook with required outcomes, flexible Agile execution and one estimation model shared by Product, Project and Sales.

Proof

Discovery fell to 2–3 weeks, the pilot reached 90% satisfaction and project managers gained a repeatable model for new implementations.

Featured case study · Data & Analytics

Proving International Banking data could be delivered—then scaling it

Several attempts to centralize and operationalize regional data had failed, leaving country confidence low and the business without dependable data products.

Data ProductIncremental DeliveryOperating ModelExecutive KPIs
$47MExpense-reduction opportunities identified
9Countries consolidated
12 → 50+Team growth across LATAM

Challenge

Overcome technical barriers, failed predecessors and low regional trust to create a reliable International Banking data capability.

What I changed

I introduced incremental proof: obtain one data slice, make it usable, show value and build confidence before expanding. I then standardized the operating model and KPI framework.

Proof

Nine countries were consolidated, the team grew from 12 to 50+, and the data surfaced $47M in expense-reduction opportunities used in planning and shareholder reporting.

Featured case study · Tangerine Payments

Building a new payments team through production delivery

With roughly 85% of the team new to the area, we had to learn unfamiliar products, processes, tooling and architecture while still delivering.

Backend PaymentsIncremental DeliveryReal-Time RailCopilot AI
On dateVISA OCT delivered on the date committed
85%Team initially new to payments
1 → 13Knowledge scaled into a team of SMEs

Challenge

Build modern payment capabilities while a newly formed team learned the domain—without pushing discovery and correction into late UAT.

What I changed

I used small production increments and continuous testing as the learning system, then reinforced it with a structured SharePoint knowledge hub and grounded Copilot agent.

Proof

VISA OCT landed on the date committed eight months earlier, RTR capabilities shipped incrementally, and expertise expanded from one architect to 13 SMEs.

Explore the how behind the impact.

Open to meaningful product conversations, collaborations, and opportunities that create real impact.