Rafael Valera is a seasoned professional in fintech, consumer lending, and operational strategy with extensive international experience across Europe and Latin America. They currently serve as the Founder and Chief Commercial Officer of Pagam Payments and work as an Independent Consultant, specializing in fintech and digital solutions. Previously, Rafael held key positions at Welp Spain, Western Union, and multiple other firms, overseeing operations, finance, and account management. Their educational background includes degrees in Accounting and Business Administration from prominent universities in Venezuela.
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