Executive background, sectors and current focus.
Time is the only currency that cannot be recovered. Invest it in what matters most: your life.
José Ñáñez
Senior technology and operations executive focused on artificial intelligence, strategy and institutional scale in Latin America. His work has spanned banking, payments, cybersecurity, cloud, open banking, digital transformation and operating model redesign across complex regulated environments. Author of *Open Banking: Guía práctica para la transformación financiera en Latinoamérica*, a practical Spanish-language guide that introduces original formulas to monetize financial data and APIs within the current regulatory framework.
Current focus
He currently works on applied AI, enterprise architecture and strategy for organizations operating in regulated and high-scale environments. His recent work spans banking, insurance, pensions, payments and platform-based business models across Latin America.
Book
Open Banking: A practical guide for financial transformation in Latin America
English edition
Open Banking is widely discussed. Few understand its real structure. Even fewer know how to monetize it. Two questions every organization should be able to answer: how much does it cost to expose a financial API? And is it profitable to do so? This is not a trend book. It is a decision guide.
Available on Amazon in paperback and Kindle editions.
Experience
Founder & Strategy Advisor — JoseNanez Consulting
AI, enterprise architecture and business strategy across Latin America.
VP Technology, Information & Security — Banco del Pacífico
Technology, data and security transformation in banking.
VP Technology, Operations, Cybersecurity & Information — Santander Colombia
Large-scale modernization, cloud migration and operating efficiency.
VP Technology & Operations — Credifinanciera
Digital origination, banking integration and operating transformation.
Director of Open Banking and APIs — Bancolombia
API strategy, monetization and digital ecosystem building.
Financial Architecture Leader — IBM
Digital architecture, integration and financial transformation.
Education
- MIT Professional Education — Chief Technology Officer Program (Fire Hydrant Award)
- Universidad Internacional de la Rioja — Master’s in Artificial Intelligence
- Universidad Carlos III de Madrid — Master’s in Banking and Financial Markets
- Universidad Nacional de Colombia — Systems Engineering
- Universidad Nacional Abierta y a Distancia — Business Administration
Additional studies
- Gies College of Business, University of Illinois — Strategic Leadership and Management Specialization
- University of Pennsylvania — The Materiality of ESG Factors Specialization
Writing
- Artificial intelligence and productivity
- Cloud economics and technology modernization
- Open finance, APIs and monetization
- Operating models and institutional scale
- Digital transformation in regulated industries