Experience · Nicolas Ruiz

Tangerine ▸

Payments

Delivered VISA OCT for domestic and cross-border transfers on time using VISA rails, guiding a newly formed team through MVP and incremental delivery to build platform expertise as the initiative progressed.
Leading Tangerine's implementation of Payments Canada's Real-Time Rail (RTR) industry initiative - delivering incremental upgrades for Send and Receive 3.6, now advancing to 3.7.
Created a centralized SharePoint hub for official Payments documentation, adopted as a model across the organization. Built RTR Butler, a Copilot AI agent that draws on the hub’s official RTR documentation to answer questions and draft technically detailed user stories.

Mar 2025 - present

Scotiabank

Data & Analytics

Delivered a data consolidation initiative - previously attempted and abandoned multiple times - successfully integrating retail data from 9 Latin American countries into Canada and designing the operating model now being adopted as the standard across International Banking.
Initiative drove the creation of new Retail analytics departments and is actively expanding into Risk, Wealth, and Commercial; analysis surfaced CAD 47M (4%) in expense reductions incorporated into the F25 Plan and shareholder reports. Also pioneered a centralized SharePoint documentation model - later adopted as a team standard.

Mar 2023 - Mar 2025

Technisys

Fintech

Designed and documented the organization's end-to-end delivery methodology - including reusable artifacts, guidelines, and flexible agile frameworks adopted company-wide - compressing client Discovery from 5 months to 2-3 weeks and reducing per-project costs by USD 30K/quarter.
Methodology drove customer satisfaction from baseline to 90%+ while a multi-country estimation model cut time and cost deviations by 50%, giving leadership a reliable forecasting tool for the first time.

Jul 2021 - Feb 2023

Scotiabank

Retail CRM

As Scrum Master, joined a high-potential team with strong leadership support and became instrumental in elevating its agile practice - through deep conviction and hands-on coaching - earning top-5 recognition among all agile teams at Scotiabank.
As Product Owner, conceived and led a next-generation CRM vision - cross-channel lead management, AI-driven next best action, and customer-centric flows with full behavioural insights - years ahead of industry adoption. Secured CAD 3M in funding through executive roadshows, deployed in Chile and actively expanding across the region.

May 2017 - Jul 2021

SAP

Consulting

Re-engineered procurement and reverse logistics at Claro Colombia - cut procurement times by 66%, saving $750K USD/year in logistics and $180K USD in warehouse costs.
Built and led a high-performing SAP support team, growing CSAT from 70% to 90% and eliminating a 2-year open backlog within months.
10 years of ERP implementations across telecoms, pharma, food processing, and financial services in Argentina, Colombia, Peru, Mexico, Chile, and Uruguay - every project delivered successfully.

2006 - 2017

Impact is built through results.