Raul Madriz is the Chief Digital & Data Officer for AirPak, a leading money transfer company in Central America and Mexico. Raul also serves as Managing Director of CashPak, a mobile money fintech company part of the same group (Grupo Coen) along with AirPak. As part of his role, Raul leads the digital transformation efforts and data science practices at AirPak and has actively contributed to launch CashPak as a new business model and value proposition to existing remittance customers and related segments with a special focus on financial inclusion in Central America. Prior to working in the financial services industry, Raul has a track record in the IT Sector as an advisor and entrepreneur providing innovative, technology-based solutions for enterprises and small businesses to successfully meet their strategic objectives. Mr. Madriz holds a Master of Advanced Management (MAM) from Yale School of Management and a MBA from EGADE Business School (Tec de Monterrey). He also has business, IT and Entrepreneurship certifications from Babson College, Hitotsubashi University (Japan), INCAE Business School, Berkeley (Haas) and Carnegie Mellon University.