Commercial Banker for 15 years specializing in Commercial Real Estate, Acquisition Financing and Working Capital needs. I’ve worked with large institutions from Wells Fargo to HSBC, but have made a home by bringing my wealth of experience to a small boutique bank at Comerica.

Results-driven financial professional transitioning to Business Analyst with expertise in financial analysis, regulatory compliance, and Agile methodologies. Certified SEBI Investor, Agile Scrum Master, PMP, Business Analyst, and Six Sigma Black Belt. Along with expertise in financial analysis, regulatory compliance, and Agile methodologies. Proven ability to gather and interpret requirements, enhance stakeholder communication, and drive process improvements. Strong problem-solving and analytical skills, committed to delivering high-value solutions and supporting business objectives in a dynamic environment.

20 years of Finance, Accounts, and Treasury management experience in Construction, Fashion, and Hospitality industry in Dubai, Oman and Saudi Arabia. Qualification/Certification: Master of Business Administration MBA from Hajvery University. 1996 Graduation: Bachelor of Commerce B.Com from The University of Punjab 1992 — Certified Public Accountant (CPA), Institute of Certified Public Accountants of Pakistan, 2010 — Association of Chartered Certified Accountants (ACCA), U.K (Professional Finalist) — Association of Certified Fraud Examiners (CFE), Austin, USA, 2005 — Certified Management Accountant (CMA), ICMA, Australia, 2005 — Member Institute of Public Accountant (MIPA), Australia, 2005 — Member South African Institute of Public Accountant (SAIPA), 2006 — License from IBM – Data Science - 2023 — EF SET English Certificate C2 Proficient - 2023 — Google Data Analytics Professional Certificate - 2023 CORE COMPETENCIES Expert in: Financial Management • Risk Management • Accounting • Treasury Operations, Commercial Finance, Capital Expenditure, KPI implementation, SOP development • Auditing • Relationship Building • Business Development • Strategic Planning • Budgeting & Cost Reduction • Cash Flow Management • Banking, Project Planning, Stakeholder Engagement • Investment Portfolio Management • Internal Controls • Forecasting • Negotiation • Financial Modeling • Corporate Governance • Process Improvement • Data Analysis • Financial Reporting & Analysis • CRM management ACCOMPLISHMENT: Achieved a 10% overhead reduction through strategic negotiations with suppliers. Achieved remarkable reduction in finance cost by borrowing from a wholesale bank at EIBOR + 1% Supervised 10 Accounts and a Financial analyst team. Negotiated revolving credit lines like SBLC to minimize bank charges.

Account Manager, Business Development, B2B Sales, Banking Industry, Client Relationship Management (CRM), Sales, Proposals, Cross-Selling & Upselling, Market Research, Financial Analysi, Digital Banking, ATMs Management, Corporate Banking, Payment Operations, Product Implementation, Risk Assessment, P&L Reporting, Due Diligence, Financial Forecasting.

A digital banking product manager with over 10 yrs of experience in BFSI domain. Created digital banking journey with is STP

I worked 23 years as technology consultant in the Financial Service industry at Accenture and, since 6 years, I led the “IT Architecture and Methodologies” at Intesa Sanpaolo, one of the largest Banking groups in Europe. During my experiences I acquired a large exposure in shaping and driving strategic IT transformation initiatives

Over 7 years of undergraduate and graduate studies in Finance and International Banking. Worked for large corporate lenders such as Bank of America, Banamex USA and Citibank in senior management and contract debt negotiations. Private equity and debt syndications over the past 25 years. Over 1,200 hours of University level teaching in Finance, PE and IB interview prep with 5 star reviews on Wyzant. Read my latest Substack post: "Escape the Doubt Cycle"

.A seasoned Business leader and visionary with over 17 years’ experience of defining and implementing business transforming strategies and products by identifying emerging opportunities and trends across Commercial and Consumer Banking verticals for some of the world’s leading financial conglomerates.

Credit and Collections executive focused on data-driven strategic decisions and project management. Analytical profile, with leadership of high-performance multidisciplinary teams.

Originated BRL 500M+ in mandates, specializing in Debentures, CRIs, CRAs, and structured products. Managed a BRL 40B portfolio, delivering tailored investment solutions and Fixed Income insights.

Jon Hodge is a founding partner of Rivan Capital, LP and Rivan Management Group. Rivan Capital, LP was founded in 2022 based on the need for optimizing investor returns in the real estate market using market insights that the firm recognized as underperforming assets and properties that could produce high cash flow. Mr. Hodge has more than 10 years experience in the real estate industry from an operational, construction and financial perspective. He is experienced in all aspects of construction with a concentration in multifamily. His construction companies have worked on projects throughout the southeast United States totaling over 7500 units worked on, with individual projects in excess of $17 million dollars.He started his career at a local construction firm, where he managed approximately 30 salespeople and handled day to day operations. Wanting to further his impact on the industry, he founded Contracting Solutions, LLC which took on full on General Contracting with a concentration of multifamily rehab and capex.He has been equipped with a unique perspective in this arena as he owns several multifamily properties and has worked for investors from all over the world. He has been apart of multifamily and single family acquisitions, capex evaluations, value add consulting and management of complex projects throughout his career. In addition to multifamily construction, Jon has a strong presence in the short term rental industry with a concentration of urban and lakefront properties. These units host visitors from all over the world and support local economies by housing these visitors in prime locations and unique properties.

With over 12 years of extensive experience in the realm of payments, I am a seasoned professional who has honed expertise across various facets of financial services. Throughout my career, I have collaborated closely with a diverse array of financial institutions and industries, helping them in optimization of their payment systems. My journey in the payments industry has been marked by a deep immersion into the intricacies of card networks, payment service providers (PSPs), point-of-sale (POS) systems, and the entire lifecycle of credit cards. I have cultivated a profound understanding of the nuances involved in debt collection, account payables and receivables, as well as the intricacies of invoicing and reporting. My track record speaks volumes about my ability to deliver tangible results, having successfully spearheaded numerous projects aimed at streamlining payment processes, enhancing security measures, and optimizing financial operations for my clients. Whether it's devising strategies to mitigate risks, implementing cutting-edge technologies, or navigating regulatory landscapes, I bring a wealth of knowledge and hands-on experience to the table. Having traversed through the ever-evolving landscape of payments, I am equipped with a comprehensive understanding of industry trends, emerging technologies, and best practices. My expertise transcends traditional boundaries, enabling me to offer invaluable insights and strategic guidance tailored to the unique needs of each client. I am passionate about leveraging my expertise to drive business success and foster innovation in the payments space. As a trusted consultant, I stand ready to lend my skills and insights to any project that requires the expertise of a seasoned financial professional specializing in payments. Whether it's optimizing operational efficiency, contract negotiations, partnership, maximizing revenue streams, or navigating complex regulatory frameworks, I am committed to delivering exceptional results and exceeding expectations covering the markets like EU, UK, US, Asia, India, Middle East, Africa etc

Fintech expert | Ex-Amazon | startup consultant - Payments | Digital | Strategy | RFPs | Team and Leadership coaching

Jeremiah Samuel is a seasoned expert in Commercial Real Estate (CRE) financing with over 8 years of hands-on experience in structuring complex financial solutions for investors, developers, and institutions across the globe. As the Founder and Principal of Priority Investment Network, established in 2017 and headquartered in Washington, DC, Jeremiah has built a premier financial advisory and CRE loan correspondence firm known for delivering results with precision, integrity, and unmatched industry insight. Under his leadership, Priority Investment Network has grown into an elite financial firm with access to unlimited capital and a comprehensive suite of financing programs tailored to meet the diverse needs of its clients. Leveraging a global network of high-level financiers, lenders, and equity partners, Jeremiah and his team specialize in securing strategic funding and equity placements for commercial real estate projects and business ventures of all sizes. Jeremiah’s approach centers on personalized service, transparency, and education—ensuring that each client fully understands their financing options and can confidently make informed decisions. Whether facilitating commercial real estate financing, brokering asset sales, or advising on capital structure strategies, he is known for navigating complex transactions with clarity and consistency. A visionary in the financial services space, Jeremiah Samuel continues to set a high standard in the CRE financing industry, committed to empowering clients through smart capital and strategic partnerships.

Bachelors in Mathematics (UNAM). Extensive experience in Mexican Fintech Ecosystem, Financial Instruments, Project management, process optimization, and business development.

Specialties: Project Management, Enterprise and Retail banking product management, franchise development, relationship management & partnerships, portfolio analytics, brand management, Sales and partnership distribution, Compliance and Risk Management. Capitalizing on MBA from United Kingdom, Oxford and backed with sound technical skills helped me to spearhead successfully IT technical teams (TCS/Vendors), sales team and project managers to deliver large value business projects (+50 million USD) with an objective of reducing cost to serve and process/system improvements. Expertise in ✓ Managing and reviewing Business applications architecture blueprint on a regular basis to maintain the alignment with new business and organizational requirements due to market demand. ✓ Creating Digital and Channels strategy roadmap for business growth and focus on reducing cost to serve. Page 2 ✓ Demonstrating personal commitment and accountability to ensure standards are continuously sustained and improved both within the internal teams, technology partners organisations and suppliers. ✓ Building sales strategies by collating, utilising valuable market data and keeping sales team focused and driving for results by building effective KPI modules and incentives. ✓ Leading large multi-stream programs in complex, multiple stakeholder, matrix managed technology environments. ✓ Shaping programmes and projects utilising a variety of delivery frameworks, latest methodologies and tools. ✓ Very strong influencing skills and ability to communicate complex technologies and processes in a clear and coherent way. ✓ Implementing framework and reporting metrics to measure the success of business development opportunities with each customer / account. ✓ Managing 3rd party delivery partners and outsourced IT service providers to ensure the successful delivery of the IT portfolio. PROFESSIONAL EXPERIENCE AND ACHIEVEMENTS (23+ YRS) Ceo, Indipaisa Aug 2021 – present Responsibilities: ➢ Setup business functions in India and provide commercial banking solutions to micro SME’s of India ( approx. 59 Millions audience). ➢ Manage partnership and licenses with the partner Fintech and Banks and comply with Regulator ➢ Build products and a business sustainable model for quick growth and provide payments products to the micro SME’s which are easy to use and removes frictions for their day to day business needs at the same time comply with the Govt taxes and laws. ➢ Build a team who can deliver and execute the company vision. ➢ Bring revenues and business growth for the company by scaling the product and services by building communities Country Manager – Corporate Business Oct 2016 – Aug 2021 QPAY International, Doha- Qatar Responsibilities: ➢ Deliver innovative Acquiring(POS) and Issuance(WPS) projects and products in the field of Payments. ➢ Manage team of professionals in delivering projects in time and within budget. ➢ Build corporate business relationships ➢ Responsible for developing new business opportunities with potential and existing accounts across the Middle East. ➢ Manage the day-to-day operational and business development relationship with Enterprise customers in order to improve business results and opportunities. Page 3 ➢ Report on key technical, demographic, market demands and financial information, to add value proposition throughout the customer base and update dashboard on customer reporting metrics to measure the success of business developments and opportunities gained. ➢ Keep updated with local market conditions and competitor information and taking appropriative actions with management’s endorsement. Program Manager, Business Technology Solutions, Digital and Enterprise Banking. 2012 –Sep 2016 Commercial Bank of Qatar (CBQ), Qatar Responsibilities: ➢ Deliver innovative digital channel projects and manage team of professionals in delivering projects in time and within budget. ➢ Initiate new projects for the business benefits and manage resource capacity. ➢ Manage IT project delivery team ( Outsourced and Internal) for delivering key cloud based business projects for SME such as HR & Payroll, Email & Document management, Share point, Time and Attendance, real time web designing, webhosting, web portals and internet banking systems / new banking channels. ➢ Manage customers’ requirements, and plan sales strategy to identify key areas of growth and achieve long-term strategic business objectives for the region. ➢ Developing and maintaining multi-level relationships within the account in order to maintain long term visibility of strategy, plans and competitor activity. ➢ Manage team for support and operation activities in collaboration with MEEZA in QSTP for payroll solutions for MSME in Qatar, a joint venture of Qatar Foundations. ➢ Conduct training workshops for SME and increase product portfolio for Enterprise customer base and develop and strengthen working relationships and trusted advisor status with key partners. ➢ Recommend effective communication tactics to the Channel Communications and Marketing departments for growing the Enterprise customer base and communicating proactively and articulating to management regarding market/client updates and provide new solutions for Enterprise customers. Digital Transformation Enterprise programs delivered /actively participated: • Enterprise Mobile App for SME – 1st in the region • Straight Through Processing of financial transfers (Operations automation) (cost save by 10 FTE ) • Instant Account opening automation (account and cards) • International Transfers via ATM’s • Cardless Deposits to automate operation workload. • Cloud based applications for Enterprise customers Project Manager, Cards IT Department. 2008 – 2012 Commercial Bank of Qatar (CBQ), Qatar Responsibilities: ➢ Managed IT Project for upgrading the CB Debit card/NAPS ATM authorization switch (IST 7.6) with latest hardware and software (Sun/Oracle/Java). Implemented new debit card management system (eCMS) for producing chip cards. This allowed the organization to have robust system 24x7, saving time and cost by automating back office operational services. Page 4 ➢ Managed the banking channels projects for commercial bank: o ATM, switch for payments, deposits and remittance to other countries ( debit/credit). o Point of sale for merchants with loyalty program capabilities. o Web site development for private / corporate and loyalty programs such as wafapoints /rewardpoints. o E commerce for the merchants ( Acquiring / Issuance ) o Cloud based HR & Payroll solution for SME clients integrated with Corporate internet banking. o Instant account opening solutions by providing customers with debit / credit cards /cheque books. o Mobile banking solutions using interface for platforms such as Windows, IOS ,BES and Android. o Intelligent contact management ( ICM) linked to Meridian and Nortel telecommunication system. o Altitude, contact management software, integrated with Cisco telecommunication system. ➢ In March' 2009 the organization initiated IT Change Management program and I was given the opportunity to establish the IT change management policies and procedures. Since then, besides managing IT Projects, I also managed IT Change Management successfully. ➢ Managing and supporting franchises IT projects (Egypt, UAE and Oman) for Card Banking Systems (Prime / Online). Migrated the entire Egypt Diners card holders database to third party processing company: Network Processing Company (NPC) as part of M&A strategy. ➢ Dealing with external vendors, clients, business units as well as internal teams in managing E-commerce project. ➢ Managed Pearl - Qatar Project to implement e-purse, NFC mobile device and contact less card systems. ➢ Managed Instant Account Opening (IAO) to deliver the personalized cards within 15 minutes to the customer. ➢ Managed Alfardan ATM remittance project for lower mass to remit money instantly to their beneficiary country. ➢ Participated and Managed CB Data Center relocation and Disaster Recovery Project. (Verifone Full ISO project). ➢ Manage the execution of new programs/projects and implementation of IT strategies. IT Change Manager, IT Department. (Dual Role along with IT PM) March 2009 –2012 Commercial Bank of Qatar (CBQ), Qatar Responsibilities: Along with managing IT projects was assigned additional responsibility in Implementation of Control Objectives for Information and Related Technology (Cob IT) standards within CBQ IT Department and streamline the IT Application and Infrastructure processes using tools and techniques such as Assyst, Risk Management tool. o Receiving change request from Head of Department and ensuring that they are properly analyzed under risk and impact assessment. o Peer review and acceptance before formal Change Advisory Board (CAB) approval o Ensure that there is no conflict between same system changes. o Identifying Emergency changes and Approving Emergency change implementation o Scheduling of Changes with the CAB and Designated owners o Preparing CAB meeting agenda and providing all necessary review information to the CAB members. o Approving requests for minor changes or assigning major change approval to CAB. o Notification to CAB on all failed change requests and identifying root cause. o Providing change notification to the Change Initiator and other affected parties. o Monitoring the successful completion of all requests for change (RFC’s). o Reviewing and evaluating the change process. Oxfordshire Fire & Rescue Services(OFRS) Sep 2007 – Dec 2008 Oxford, United Kingdom. Page 5 Lead Consultant, Oxford Business School Responsibilities: The primary objective of the project was to provide Managers with a framework of guidance that will assist with the identification, improvement and enhancement of “Oxfordshire Fire and Rescue Services Organisational development through benchmarking” with best practice and user expectations. This report assisted in the identification of training and development opportunities for the skills, knowledge and expertise of Oxfordshire Fire and Rescue services with a view to improve the local community services and prevention agenda more effectively. OFRS benefitted with the following: ➢ Development of Oxfordshire fire and rescue department within the National framework criteria for local community and Local Strategic Partnership (LSP). ➢ Improved public awareness and education on a diverse range of safety initiatives ➢ More effective, efficient and economic use of public financial resources resulting in better value for money for the community ➢ Better understanding of Oxfordshire community expectations for Oxfordshire Fire and Rescue service. Senior Cards System Analyst, IT Department. January 1999 – Aug 2007 Commercial Bank of Qatar (CBQ), Qatar Responsibilities: ➢ Manage cards project implementations for CB and franchises (Egypt / Bahrain) ➢ Provide training to all internal customers on cards products and IT system (Prime / Online / IST / POS) capabilities. ➢ Create and execute SLA for POS applications vendors. Conduct market analysis on POS and cards related systems. ➢ Provide recommendations on new IT systems or existing card products enhancements. ➢ Lead all technical card product development initiatives. ➢ Support and coordinate between franchises and our partner banks and manage certification for CBQ’s card payment systems from Visa, Master Card, Amex and Diners Club. GIS Coordinator, CGIS. 1996 – Dec 1998 Ministry of Municipal Affairs and Agriculture, Qatar Responsibilities: Co-ordinate within Center for Geographic Information Systems (CGIS) and other departments of Ministries, such as Qtel, Electricity and water, agriculture, fisheries, real estate, petroleum, ministry of interior , for the development and Implementation of Geographic Information Systems (GIS). Page 6 Developed and executed Farms information management system (FIMS) within the ministry of Agriculture. Developed GIS applications using the aerial photographic and topographic data for cross sectional departments. The natural water storages and wells were also studied and collected data was utilized for research study and GIS programs. Actively participated in the 1997 - Global GIS conference for the recognition of Qatar, for being the only country to have Nationwide GIS program. (www.gisqatar.org.qa) Senior Research Fellow, Goa - India 1994 - 1996 National Institute of Oceanography (NIO), Government of India Council of scientific and industrial research (CSIR) Responsibilities: Research Fellow (SRF) at N.I.O (Data & Information Division), and was responsible for developing the Data Base Management system, required for Geographic Information Systems (GIS) and Research purpose. During my tenure, I have actively participated in research related to Environmental Studies, looking into Earth sciences and Remote Sensing Analysis. Also in my master’s degree thesis, I have extensively worked on the underwater currents, which play a major role in environment ecosystem. In regard to study the Environment impact on the west coast of India, by man made changes, I have also been on ORV Sagar Kanya, a research vessel for 45 days, cruising up to 4 degree south of Indian Ocean. Participated in various environmental programs and had to visit National Remote Sensing Agency (NRSA), Hyderabad , and Indian Meteorology Dept (IMD), Pune for the data analysis and their environmental impact studies. Moreover, attended various programs organized by NIO and other Research Institutions in regard to waste management / oil spill / environment management. I was also project scientist for the Marine Satellite Information Systems (MARSIS), which was required to develop the Coastal Zone Information System (CZIS). I have hands on experience in using GIS/ GPS systems. QUALIFICATION M.B.A Oxford (United Kingdom), Business Strategy and Administration (oxford brookes + said Business school, university of oxford). Building a Business - Entrepreneurship P.G.DBM Goa University (RA) (India) Business Management MSc Goa University (India) Applied Science Graduate Goa University (India) Electronics CERTIFICATION Prince2 Foundation and Practitioner CObit5 Foundation Project Management Page 7 PROFESSIONAL SKILLS Application Designed and Managed. • Enterprise Mobile application , 1st in the region for Enterprise customers • Cloud based IT solutions for Enterprise customers. • Retail and Mobile internet banking application. • Instant issuance of Credit cards and contactless credit cards implementations. • Reporting management systems (POS and Loyalty) for Card holders and Merchants. • Developed various in house application for back office, integrating CB cards systems ( Prime, Online, IST ) • Franchise Information System for Egypt and Bahrain (Remote Cards Data Management in Oracle 9). • Farms Information Management System & Meteorological info System (Arcview, Mapobjects) • GPS Data Converter on the Unix Platform using ARC/INFO • Remote Database Retrieval & Management (INGRES RDBMS) at the National Institute. PARTICIPATION IN PROFESSIONAL COURSES 1. Building a Business, Oxford Business School, Oxford University, United Kingdom. 2. I.T Project Management from B.M.C ( Business Management Institute ) – PMP credits 3. Microsoft Dot NET Technologies 4. Oracle 8i, DBA course. 5. SAP, ERP and CRM 6. Two Weeks training on Global Positioning Systems (GPS) conducted by TRIMBLE GPS, at the AIC, MMA&A , Doha -Qatar. 7. One and Half month training course on ARC/Info, Arcview,VB at the Centre for Geographic Information Systems. MMA&A, Doha –Qatar 8. Participated in a cruise for Indian Ocean Data Collection , By the National Institute Of Oceanography, Govt of India on “Sagar Kanya” ORV vessel. 9. Two weeks Training on GIS (PAMAPS and IDRISI ) at National Remote Sensing Agency, Dept. Of Space , Govt of India, Hyderabad 10. One and Half month course on “Remote Sensing and it’s Applications” conducted by Department of Space, Govt of India. At the National Institute Of Oceanography, Goa ( 3/3/96 to 17/4/96 )

Founder of FIC Advisors, a financial services management consulting firm with subject expertise (small business and commercial banking and commercial finance) and functional expertise (organization, productivity, merger integration, growth).

2006 BS Economics; 2007 JPM Private Client Advisor l; 2009 MS Finance; 2010 Comerica Commercial Banker; 2012 MBA Information Systems; 2012 MS Accounting; 2014 Certified Public Accountant; 2014 Chartered Global Management Accountant

I am the Founder and Managing Director of Asia Business Centre (Holdings) Limited. Starting from Hong Kong, with over ten years of experience in corporate, company secretarial, and banking services, I have developed a strong client network and assisted thousands of clients from South America, Russia, and CIS countries to relocate their businesses in Asia. Since 2009, AsiaBC has already helped 3,000+ clients with setup entities worldwide.

A Duke MBA grad with experience in manufacturing, banking, financial analysis, and M&A I can slice and dice data, prepare financial presentations, or simply provide my business advice from working with companies large and small.

Seasoned Digital Health Strategist and Innovator. Founder of BOLD Digital Health innovation agency partnering with hospital, health technology and private equity/vc companies to ideate, design, build and commercialize digital experiences and apply digital transformation best practices to accelerate value and close healthcare disparities.

Conscious Love, brilliant, dad, granddad, entrepreneur, proponent of Eclectic Healing Arts, political activist for common sense approach to health care delivery and FDA, NIH, CDC, reform, former political prisoner, and professional recruiter.

FinTech and InsurTech Expertise to help startups with finserv integration and fundraising

I have run three businesses: a home remodeling business, a dot-com business and now a business finance consulting company where my team and I help business owners to secure debt financing to fund their working capital and growth. I have successfully helped dozens of businesses to secure debt financing and assisted others with debt consolidation, with both funding and debt restructuring in the millions of dollars for my clients. Some clients are growing rapidly and only need funding, while other companies have hit a rough patch and their assets are less than their assets, and they need to restructure their debt to improve their balance sheet. Each client has different needs, requiring a unique solution to improve their financial health. Any company that is growing rapidly needs funding eventually when the cash flow gets too tight, and I can help advise business owners through this transition.

Financial services executive with expertise in bank startups and turnarounds. Background in sales, finance, audit and engineering.