Ricardo Jorge Polero Baraldi

• Assisted in developing a financial portfolio architecture featuring 14 products with Singapore partner.
• Developed patented products in diverse fields, including AWS, blockchain, cybersecurity, IoT (Node-Red), IA, microservices, DevSecOps and mobile technology (RestNative).
• Developed and implemented systems for smart cities, distributed supply chains, and e-commerce.
• Offered international strategic remote consulting services as Sr. Council Member for Gerson Lehrman Group and served as Sr. IT Expert for SilverLight Research, Coleman Research Group, Global Wonks, and Infollion Research Services.
• Delivered AI training programs at Outlier, elevating model accuracy.
• Strategic advisor for boards.
• HL and Corda Blockchain, Latam premature adapter.
• Architected solutions to enhance invoice processing efficiency within food sector frameworks.
• Articles and speakers at blockchain chapters.

• I’m leading engineering teams and driving innovation within large, complex organizations (Multi-Cloud, DevSecOps, Cloud Native, SRE, DR, SaaS, etc.). Especially in the financial and insurance field.
• 1) Team Management: Bradesco (SRE team, up +30p, RFPs Presale: Visual recon. Of doc (GCP/IA)) and Santander squads/architects, 2)PreSale Technical Engagement Manager and E. architect : Santander (1)Oficios360, 2)Gravity: Mainframe modernization (Microfocus Enterprise) 3) Enterprise RPA re factory, 4)OCR +GenIA documents classification and 5)Message system modernization 6)Pega migration, all to AWS, Brazil Bank (Global public cloud Blockchain as-a-service Hyperledger fabric 2.2 /AWS, for CDBC (Drex), and Consult for Petrobras projects other tools selection for Mainframe migration to cloud ), Mercedes Benz & Brazil Bank (AWS Mainframe Modernization ), Brasilseg (Fico/AWS) Bradesco Seguros (Azure & Serverless Data Lake(AWS)),Digio (DR plan), Restoque (SAP /Azure),Mapfre(Aws cyber), HSBC Argentina (Mainframe modernization),.3) Delivery: SouthRock (SAP/AWS)
• 4) CxO Strategic Advisor and Architect : Blockchain CBDC (DREX) Early Adoption for Brazil Bank and AWS USA .
• 5) Client Chief Architect: Tool /F1rst/Santander (complete Cloud Native SaaS Serverless AWS architecture from scratch for the spin-off of new companies), COE Member, Projects: Judicial Global project in hybrid cloud (Java/Pega/Azure (Databricks)/AWS/On-premises, GCP (Apigee API), RabbitMQ, KAFKA), and two portals (entry and CRM in Micro frontend with several integrations like ServiceNow).
• Mainframe modernization planning using AWS (serverless).
• Member of the Cross Architect Team (Enabling) for enterprise services.
• Reaching a 789% increase in account revenue after my assistance.
• 6) Artificial Intelligence Architect: Azure vs. AWS's intelligent document processing POC for choosing technology, and they implemented the GEN IA RAG project using AWS AI Bedrock (LLM Claude).
• Santander increase: +5 million customers, +13% revenue, and €11.1 billion profit.
• Strong relationships with Cloud Global partners AWS.

• Led the architecture and implementation of a complete digital finance core banking platform, a hybrid SaaS PCI low-code solution, currently deployed across 70+ financial institutions.
• Served as Engagement Manager for pre- and post-sales at the C-level, for the monolithic version of the platform—representing over 70% of the company's total revenue in FY 2021.
• Secured four major core banking deals in just eight months, including:
• Carrefour Bank (GCP)
• Next Bank (Digital Bank) – Full Azure architecture from scratch
• Midway & Credisis (AWS)
• Open Banking partner integrations
• Led Proof of Concept (POC) for Caixa Econômica Federal, covering architecture and AWS planning.
• Spearheaded the transformation of the existing core banking into a microservices-based, cloud-native architecture.
• Expanded payment channels, integrating:
• Topaz/WhatsApp Payments, SWIFT/Ripple, and Cyber (Keycloak) for PIX, bills, cards, and digital wallets.
• Serverless integration with clients’ legacy systems, including SAP and TOTVS (ERP).
• Managed distributed remote teams across multiple cloud providers (IBM, AWS, Azure, GCP, etc.).
• Led the selection and integration of new solutions aligned with architectural principles, collaborating across vertical teams through the integrated demand management process and M&A activities for incorporate new companies.
• Designed and developed complex solutions within the AFG IT landscape, ensuring compliance with Enterprise Target Architecture (ETA) and architectural standards for the financial domain, including SaaS solutions.
• Worked collaboratively within Stefanini Group (30,000+ employees across 44+ countries).
• Contributed to ISO 27001 certification renewal.
• Revenue Growth Impact: Helped drive revenue from BRL 50 million to BRL 1.5 billion in seven years, a 30x increase.
• Led R&D initiatives, including:
• New Open Finance with AI
• VoiceBank (AI-powered banking solutions)
• Credit Card in Web3/DeFi (Blockchain, Crypto, Tokens) with partners CRT4 & 2TM
• Played a pivotal role in strategic interactions with cloud partners, including AWS, IBM, Azure, and GCP.Strong relationships with with Cloud Global partners.

• Head of Digital Transformation/PMO at this healthcare and insurance company, developed strategic plans for the entire company to slash payroll, benefits administration, total cost of ownership, and total investment costs by 20% by negotiating pricing and fees while ensuring the continuity and enhancements of services in two company mergers (M&A). Also, in the later split-off, with the elaboration of the director's plan (5 yrs.), with a 12% target in growth, restructuring the entire IT area (PMO, governance, architecture, budget, development, SLAs, etc.). With the implementation and training of the market's frameworks, such as PMI, TOGAF, and ITIL. E-Social, management and defining of the mobile/cloud sales automation using Salesforce CRM (leads, accounts, etc.), APIs, legacy BI/analytics, among others in AWS.

• Utilize TOGAF within Mainframe/Microsoft ecosystem to drive efficient enterprise architecture strategies, achieving a 25% increase in process efficiency.

• Implementing Enterprise Architecture Office and digital transformation using TOGAF in the Mainframe/ Microsoft ecosystem increases the process by 25%. Training in Lean, TOGAF, and Business Architecture. Of digital transformation/PMO at this healthcare and insurance company, developed for the entire company, strategic plans to slash payroll, benefits administration, total cost of ownership, and technology infrastructure costs by 20% by negotiating pricing and fees while ensuring the continuity and enhancements of services in two company mergers (M&A).
• Also, in the later split-off, with the elaboration of the director's plan (5 yrs).
• With a 12% target in growth, restructuring the entire IT area (PMO, governance, architecture, budget, development, SLAs, etc.) With the implanting and training of the market's frameworks, such as PMI, TOGAF, and ITIL.
• E-Social, management, and defining of the mobile/cloud sales automation using Salesforce CRM (leads, accounts, etc.), APIs, legacy BI/analytics, among others in AWS.
• Chief Enterprise Architect - Secretaria da Fazenda- SP (Capgemini, parallel), Implementing Enterprise Architecture Office and digital transformation using TOGAF in the Mainframe/ Microsoft ecosystem increases the process by 25%
• Training in Lean, TOGAF, and Business Architecture.

• Managed multiple SAP modules including BPC, ECC, BW, BO, FI, GRC, HR, PI (SOA bus), Hana and mobile Java/BPM.

• Client accreditation” project in the largest Brazilian credit card company, migrating from the mainframe legacy systems to Oracle SOA suite, Exadata, Novell IDM, AM, CRM (Dynamics), MFT (file transfer) w/banking integration.

• I established the IT area of the company (+1.5k empl.), the definition of enterprise architecture and strategic planning to start the post-merger (M&A among Equifax and 60 trade associations) scenario involving budget & acquisition of hardware and software, PCI complain Datacenters (Big-IP), unified portfolio with US$ 134MM budget
• Principals’ projects: 1) Redefine and Integrate three data centers (DR), oversee digital transformation and business units of the acquired companies - 4MM online/real-time queries/day from 400 mil direct and indirect clients
• 2) Identification of necessary solutions to new business units: “Cadastro Positivo”, Analytic area and corporate MDM 3) Planning and implementation of IT governance, support and development, the architecture of security projects, and strong participation in the cloud, infrastructure (new DataCenter), mobile projects and lead the Corporate BI (InfoSphere)
• 4) Development and certification of about 40 vendors with an SLA of about 99%.5) Mapping of all processes involving all business units contributing to the development of new solutions as requested by internal and external customers
• First Big Data Project/ML w/ NoSQL (Netezza, mongodb)
• Restructuring Data Life Cycle (Infosphere, acting as CDO, ETL, MDM, MFT, and SOA) for all business units (w/data monetization, profiling, and quality) and PCI data centers (BI, IBM SOA, AS400, Mainframe, UNIX / Linux / Python, Java in Oracle / DB2, ERP TOTVS), CA CRM, Data Robots (Ruby &Rails), and API´´s, Azure, and Amazon cloud.

• Project Manager/Architect for the development of interfaces and integration with BOVESPA (B3) products (Sinacor) and its 14 systems of the bank. Provide for the continued operation of the unit. Led the project "Margin Account" for clients of the brokerage and significantly increased customer satisfaction and retention by 20%. Obtained the settlement of the pending audit. Acted as the broker's representation architect in the Rainbow (SOA) global project commissions.

• Creation of projects manager office (PMO), and methodology definition resulted in excellent CxO communications.

• As an Enterprise Architecture Manager, create setting road-maps, methodologies, PMO implementation, and Enterprise Architecture (w/ TISS msg)
• Conduct the transformation of the 25 company sites in one, with a content repository (CMS) that increased 25% customer satisfaction and retention
• Self-service CRM portal to retrieve analysis results and Corporate BI (definition and management) Integration Project with affiliates network hospitals, R$17MM projects to meet more than 500 service centers, and 5MM / day clinical analysis.

• Leading international millionaires SOA projects: CTBC Telecom, Nextel (Global), Sena District and Secretary of Finance (Colombia), Vivo, Grupo Ferrovial (Madrid), and Orange Telecom (France)
• Defining (M&A) Vale / Inco (Canada), for defining the roadmap and integration of post-merger (SOA, Oracle EBS to SAP, etc.) IT structures, restructuring of operations (fulfillment, assurance, billing using NGOSS) with legacy systems, infra, and IT governance definition.

• Technical management, architectural design, and development for companies such as Bank of Brazil (R$ 37MM, B2B), Tim Brazil (R$ 12MM, PCI data center restructuring, “DevOps” portal), Banco Santander (integration framework), HP, Telefónica (SOA), and Claro Telecom (Identity Management of 32MM telephony, TV, and Internet users). The company was sold.

Overall, in the purchasing and supply chain area, at the global architecture and strategic planning of IT in Latin America, Africa, Asia, and the Midwest, I led the implementation and unification of SAP installations in the Andean region. Worldwide project for electronic data transfer (EDI) generating savings of R$ 750MM globally and global pieces’ interchange project.

Other Clients: Acting as a Chief Architect for major clients such as Banco Bradesco (“TI melhorias,” 2nd largest restructuring ever). I lead bank restructuring in the order of $420 million in the largest private bank in Brazil, Dell (Texas, USA), ABN Amro Bank (Architect), Souza Cruz SAP/Datacenters Global Unification distributed in South America and the Caribbean to Brazil (Germany, Colombia, Peru, Argentina, Mexico, Venezuela, England into Blumenau (PCI)), Vale, Unibanco/Itaú (Bank check's ECM), and TRF (.Net/Security).

• Overall, in the purchasing and supply chain area, at the global architecture and strategic planning of IT in Latin America, Africa, Asia, and the Midwest, he led the implementation and unification of SAP installations in the Andean region.
• Worldwide project for electronic data transfer (EDI) generating savings of R$ 750 million globally, and global pieces’ interchange project.
• Sustain manager: Sales area delivering the GM project (5 yr US$100 MM), defining the business strategy, and client relationships, managing the area’s P&L, contract management, new business development, team management and leadership, with the definition of internal business processes.
• Served as Chief Architect for significant clients like Banco Bradesco.Vale, Unibanco/Itaú (Bank check's ECM) and TRF (.Net/Security)
• I lead bank restructuring in the order of $420 million in the largest private bank in Brazil, Dell (Texas, USA), ABN Amro Bank (Architect), and Souza Cruz SAP/Datacenters Global Unification, distributed in South America and the Caribbean to Brazil (Germany, Colombia, Peru, Argentina, Mexico, Venezuela, and England) into Blumenau.
• Latam Head IT Architecture & Security - Boston Bank /, Management of the creation and restructuring of the retail Internet bank in Brazil and the creation of Mexico Internet Bank projects (include Mexican SPB)
• Led the deployment of new infrastructure using PKI security, achieving $8MM in reuse return.
• Enabled seamless handover of systems to new owner Itaú bank.

• I defined and implemented business unit and Data center structure (PCI) for the integration of all infrastructure platforms with mobile phones and implemented a layer of security/encryption enabled
• Currently, it supports +32 million users in 14 servers showing excellent scalability.

• Construction of an e-business portal with other banks’ integration and credit card companies to generate web invoices
• Integration with several bank clients (Adventist (SAP), “Rohm and Haas Chemical” (JD Edwards)), and several other web invoice generation clients
• Increased the revenue of the B2B area by more than 70%
• Of California by Adams consult )

• Managed the integration of 14 banking systems with BOVESPA (B3) product.
• Ensured uninterrupted unit functionality during operations.
• Directed the Margin Account project for brokerage clients, resulting in a 20% increase in customer satisfaction and retention.
• Secured resolution of outstanding audit.
• Designed broker's representation infrastructure for Rainbow SOA global project commissions.

• Facilitated seamless collaboration between Virginia site and international teams under IonIdea umbrella.

• Led a direct team of 74 people in the first major Latin American banking restructuring, project valued US$600MM.

• Purchase system in Oracle for huge drug distributor

• Designed streamlined purchasing platform in Oracle targeting major drug distribution.

• Led the refactoring of the Mainframe Financial systems to Unix-based systems