Jose A. Pena is an accomplished financial services professional currently serving as Vice President and Relationship Manager at Fifth Third Bank, where Jose A. oversees the Newline™ embedded payments platform. With a robust background in business development, Pena previously held the position of Senior Business Development Lead at Cross River, contributing to innovative financial solutions. Their experience includes a role as Director of Business Development at Mastercard, where Jose A. focused on cross-border payment services, and Account Relationship Manager at TransferMate Global Payments, enhancing international payment processes. Earlier positions include Senior Client Relationship Manager at UNFCU, Corporate Account Manager at AFEX, Senior Relationship Banker at JPMorgan Chase & Co., and Business Banker at Citi. Jose A. Pena holds a Bachelor's degree in Business/Commerce from Palm Beach State College.