Chad Arroyo is an Innovation Services Leader at Mastercard, where they head the Digital Labs for North America, driving innovation through customized programs and R&D consultation. They hold an MBA in Entrepreneurship from the University of Notre Dame and have a background in military leadership as a former US Naval Officer. With experience as a Chief Marketing and Product Officer and a founder of multiple startups, Chad has demonstrated a strong commitment to guiding financial institutions and fintechs in enhancing their business strategies. Currently, they are pursuing additional studies in Spanish and Information Technology from the United States Naval Academy.
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