Ricardo O. is an accomplished professional with extensive experience in financial services, particularly in remittances and payment systems. Currently serving as Head of Remittances at ICICI Bank since January 2019, Ricardo has focused on the US to India remittance corridor and expanding the NRI market. Prior roles include Director of Money Transfer and Payment Development at Catalina Card Services, where the SenmoNow platform was developed, and Director of Enterprise Development at Univision Communications, which launched a successful payment product for the Hispanic market. Notably, Ricardo held various leadership positions in product management and strategy at organizations such as Mobile Financial Services, IQ Associates, and Cambridge Interactive Development Corporation. Educational qualifications include an MBA from MIT Sloan School of Management and a Bachelor of Science from Tecnológico de Monterrey.