Bio

AJ is an entrepreneurial, visionary executive who excels at identifying unique opportunities and building the right strategies, organizations and products to capitalize on them, delivering strong market, financial and operational results. AJ is customer obsessed and passionate about fintech, Insurtech and healthtech. He is a pioneer in the new frontiers of the digital lifestyle, democratizing financial services and leveling the playing field for financial inclusion and digital lifestyle convenience. AJ’s expertise and success extend across a wide range of industries and emerging technologies, including telecommunications, financial services, retail, contactless and digital commerce, agent networks, marketplaces, digital health, foodservice, blockchain, alternative payment methods, cards, digital wallets, cryptocurrencies, lending, crowdfunding, prepaid, value transfers (money, airtime, points) and international remittances, just to name a few. AJ held various senior level positions with companies such as First Dart Corp., American Express, MoneyGram, Western Union, Anthemis Group, Millicom, VimpelCom/Veon. His roles typically included general oversight for organizational development, P&L management, sales, marketing, go to market, multi-channel distribution, global expansion, business turnaround, business growth, digital transformation, new product development and launch, analytics, strategic alliances and partnerships, regulatory licensing and compliance, M&A and investments, start-ups and exits. AJ has over 20 years of global, hands-on work and life experience in the Americas (US, Canada, LatAm), Europe, Russia, Eurasia, S.Asia, Africa and the Middle East. He has a multicultural mindset and is fluent in English, French, Arabic and conversant in Spanish. AJ is a non-executive board member, chairman, advisor and co-founder to several start-ups and incumbents.