About me:

My career began in competitive intelligence and trade finance, where I learned to read markets, anticipate competitor and policy moves, and translate fragmented signals into decision‑ready insight. Early roles in development banking and trade finance instilled credit discipline, sovereign risk assessment, and an appreciation for contingent liabilities. I then moved into financial‑services technology at Diebold, integrating hardware and software across retail banking channels and confronting operational risk at scale. At Citigroup I extended that perspective into digital banking, payments, and strategic transformation.

In 2016 I founded EDIC (Every Drop of Information Counts) Consulting to advise fintech and financial institutions on digital banking, payments infrastructure, and channel strategy. In 2017 I launched Cevenol Capital a practice focused on disciplined asset management and long‑term capital stewardship. Both entities were later retired December 2025, as I shifted focus to board service, governance advisory, and teaching. Today I apply a dual vantage point—capital stewardship and operational strategy—to help institutions strengthen oversight, manage contingent exposures, and align incentives for long‑term value creation.

I am focusing my next chapter on board service, advisory roles, and teaching/coaching, where I can leverage decades of international leadership experience to help organizations thrive. At this time, I am not pursuing new investments, equity stakes, or angel opportunities. My energy is directed toward guiding companies through governance, strategic transformation, and purpose‑driven growth, ensuring they balance profitability with meaningful impact.

Teaching & Coaching Focus  

I actively share expertise in business market and competitive intelligence within technology and financial services, including compliance, geopolitical dynamics, and economic risk analysis. My goal is to equip current and future leaders with the insight to anticipate disruption, interpret global trends, and make informed strategic decisions in complex environments.

Core themes and strengths

• Competitive intelligence: A persistent capability from the start of my career; converts market signals into strategic options.

• Governance and oversight: Board‑level focus on institutional integrity, accountability, and decision frameworks.

• Risk discipline: Credit, operational, regulatory, and systemic risk expertise.

• Systems thinking: Diagnosing how complex financial and technology systems behave under stress.

• Technology and operations: Practical experience with hardware/software integration and channel delivery at scale.

• Capital stewardship: Investment oversight, allocation discipline, and long‑term value orientation.

Risks and recommended governance actions

• Hidden contingent liabilities: ECA and MDB guarantees can create off‑balance exposures; require scenario testing and explicit disclosure.

• Additionality and crowding‑out: Demand clear additionality metrics and exit strategies for blended finance to avoid displacing private capital.

• ESG and reputational risk: Embed robust ESG due diligence and ongoing monitoring into approvals and post‑investment oversight.

• Actionable governance steps: mandate counterparty limits for ECA/MDB exposures; require stress scenarios for trade corridors; adopt blended‑finance policies in board charters; require pre‑claim and recovery plans for guarantees.

Services for boards and executive teams

• Board advisory and governance reviews: Charter design; committee structure; decision frameworks.

• Contingent exposure and scenario planning: Stress testing for trade corridors; ECA/MDB guarantee modeling.

• Competitive intelligence and strategic foresight: Market scanning; competitor mapping; scenario workshops.

• Operational risk and technology oversight: Vendor governance; channel delivery reviews; integration risk assessments.

• Teaching and executive education: Short courses and board workshops on governance, risk, and capital flows.

Speaker brief for board presentations

• Signal to strategy: Use competitive intelligence to convert market signals into board‑level scenarios.

• Contingent exposure: Require explicit disclosure and stress testing for ECA/MDB guarantees and blended‑finance commitments.

• Additionality and exit: Insist on additionality metrics and clear exit strategies for public‑private interventions.

• ESG and reputation: Make ESG due diligence a gating criterion for FDI and project finance approvals.

About Points4Purpose & CommunityRewards™  

Through Points4Purpose, I contribute to frameworks that align business success with authentic community engagement. By fostering innovation and collaboration, empowering B2C businesses to navigate modern challenges while sustaining profitability and keeping a clear focus on making a positive difference within the communities they serve. 

Board Director | Seed Angel | (Retired as COO December 31, 2025)