Claudia O.

Executive leader responsible for Finance, Treasury, Accounting, Risk, Compliance and Corporate Planning, driving profitability, growth and enterprise value creation across the organization. Member of the executive leadership team responsible for defining and executing the company’s strategic transformation, balancing growth, profitability and risk management. Selected achievements: - Led the company’s financial transformation and rightsizing strategy, improving net margin from -0.2% to 29.8% between 2023 and 2025. - Reduced financing costs from 27.7% to 19.2% of net revenues, strengthening profitability and capital efficiency. - Increased EBITDA margin from 24.3% to 29.8% while supporting sustainable portfolio growth. - Built the Treasury and Financial Planning & Analysis functions, enhancing capital allocation, liquidity management and strategic decision-making. - Strengthened governance, risk management and control frameworks to support a rapidly evolving consumer finance business. - Co-led the transition from rapid growth to profitable growth, helping position the company for its next phase of expansion.

Strategic advisor to the executive leadership team on corporate governance, regulatory matters, risk management, corporate finance and business expansion initiatives. Partnered with senior management in evaluating strategic opportunities, structuring transactions and supporting key business decisions across the organization. Key contributions: - Structured and negotiated complex commercial agreements, financing arrangements and strategic partnerships. - Advised executive management on corporate, regulatory, governance and risk-related matters impacting business operations and growth. - Strengthened corporate governance frameworks, internal policies and compliance practices. - Led interactions with regulators, external counsel, financial institutions and other key stakeholders. - Supported the evaluation and execution of business initiatives through integrated legal, financial and risk analysis. • Managed complex projects involving multiple internal and external stakeholders, balancing commercial objectives, legal requirements and operational realities. - Contributed to the company's growth and transformation during a period of significant expansion and diversification.

Responsibilities: - Make strategic and financial decisions that determine the trajectory of the company - Prepare and implement comprehensive business plans to facilitate achievement by planning cost-effective operations and market development activities - Communicate and maintain trust relationships with clients, providers, shareholders, business partners and authorities. - Monitor budgets, resources, and procedures by working with cross-functional teams. - Create a positive company culture through strong, inspirational leadership

Responsibilities: - Give accurate and timely counsel to executives in a variety of legal topics ( partnerships, international ventures, corporate finance etc.) - Collaborate with management to devise efficient defense strategies - Specify internal governance policies and regularly monitor compliance - Research and evaluate different risk factors regarding business decisions and operations - Apply effective risk management techniques and offer proactive advise on possible legal issues - Communicate and negotiate with external parties (regulators, external counsel, public authority etc.), creating relations of trust - Draft and solidify agreements, contracts and other legal documents to ensure the company’s full legal rights -Deal with complex matters with multiple stakeholders and forces -Provide clarification on legal language or specifications to everyone in the organization -Maintain current knowledge of alterations in legislation

Responsibilities: - Manage the company’s financial, legal and tax planning. Provide strategic direction to the company through strategy formulation, decision making, forecast/budgeting and its implementation/monitoring. - Streamline internal financial processes and monitor the organization’s financial strengths. - Implement controls to ensure proper accounting compliance - Recognize opportunities for the organization to save money - Manage and guide the team of accountants, tax keepers, lawyers and delegate work to ensure all processes run smoothly and efficiently - Prepare financial reports for the organization’s board of directors or executive committee - Supervise legal, financial, treasury and accounting teams.

In addition to the responsibilities as the Legal Counsel, as public relations Manager I am in charge of: - planning, developing and implementing PR strategies, including Internal & External communications and Corporate Social Responsibility Programs; - serve as the key spokesperson and media contact for the company; - liaising with and answering enquiries from media, individuals and other organisations; - researching, writing and distributing press releases to targeted media; collating and analysing media coverage; - writing and editing in-house magazines, case studies, speeches, articles and reports; - preparing and supervising the production of publicity brochures, handouts, direct mail leaflets, promotional videos, photographs, films and multimedia programmes; - organising events including press conferences, exhibitions, open days and press tours; - maintaining and updating information on the organisation's website; - managing and updating information and engaging with users on social media sites such as Twitter and Facebook; - sourcing and managing speaking and sponsorship opportunities; - fostering community relations through events such as open days and through involvement in community initiatives; - managing the PR aspect of a potential crisis situation.

• Provide strategic insight in structuring and negotiating business transactions, strategic alliances and business development activities. • Lead attorney for (i) business transactions; (ii) day-to-day support on corporate and commercial issues; and (iii) regulatory advice and counsel relating to operating a business (and expanding business operations) in Costa Rica and Venezuela’s heavily-regulated environment; • Strategize, draft and negotiate on behalf of the company contracts, agreements and other legal documents such as: management services agreements, leases, license agreements, acquisition or divestiture documents, and other complex transaction documents. • Legal advice, guidance and strategic counsel, and direction to management; • Advice and counsel on a variety of corporate regulatory, business/operational, employment/labor law and commercial matters. • Oversee and manage litigation claims, regulatory investigations, etc. as may arise from time to time. • Negotiate preferred provider and alternative fee arrangements with outside counsel within processes and guidelines. Lead and direct utilization of outside counsel including obtaining budgets, monitoring and controlling expense, evaluating firms, and ensuring compliance with billing guidelines. • Lead special initiatives/projects such as: Development and implementation of risk management methodology, Automation of the Procurement process, Development of a compliance verification program of legal obligations. • Preparation of manuals, protocols and legal policies required for the proper functioning of the company and its respective divisions. • Head of Legal Staff composed by 3 law professionals • Participate in the negotiations with an American multinational retail corporation for the development of a construction project in Costa Rica • Promoted in less than 1 year from Legal Officer Chief to Legal Counsel

• Responsible for Corporate, Tax and Antitrust Law and Exchange Control Regulations. • Analysis of tax implications of international transactions. • Design and review of international tax planning structures. • Provide legal opinion regarding the tax implications of investment and economic transactions. • Review of legal and tax effects of the operations of the Organization as well as those processes that generate new acquisitions, mergers and reorganization. • Application of administrative and tax procedures and tax dispute resolution in administrative and judicial oversight of trials including tax (Wording of written releases, Tax and Administrative Appeals Tax Litigation Resources). • Head of a Legal Staff of law professionals. • Develop a Tax planning which involved conceiving of and implementing various strategies in order to minimize the amount of taxes paid for a period. • In charge of all legal affairs (Due Diligence) for developing digital businesses for the U.S. Hispanic and Latin American audiences. Acquisition of cuponidad.com, a daily deals website in Colombia, Peru, and Venezuela.

• Provide legal opinion regarding the tax implications of investment and economic transactions. • Review of legal and tax effects of the operations of the Organization as well as those processes that generate new acquisitions, mergers and reorganization. • Application of administrative and tax procedures and tax dispute resolution in administrative and judicial oversight of trials including tax (Wording of written releases, Tax and Administrative Appeals Tax Litigation Resources).

• Leading the corporate legal management with a focus on commercial and tax area for project development and contracting services operations. • Audit on financial and fiscal contracting companies. • Coordination of procurement and contracting processes of Operations Services. • Coordination of Tax Planning Committee. • Negotiation business under Advanced Procurement tools, in order to minimize costs and risks at work, financial, tax for the company. • Development of local and foreign suppliers. • Development and Service Contracts Database and records review of the bidding process. • Developed Cost Models and Business Analytics tools for Contracting and Project Services. • Exceeded the annual saving quota of +$250k in negotiations achieving +$1.5mio. • Oversee the actions required to obtain international certifications, being the first Venezuelan company to obtain five international certifications in only one year (ISO 9001, ISO 14000, ISO 26000, OSHAS 18000, 5S certification)

• Dedicated to handling litigation and proceedings in civil, commercial and bank matters, and representing clients in judicial proceedings. • Support the other advisory areas of the firm in judicial matters, assisting them in the drawing down on bonds, recovery of credits, labor litigation, arbitration, commercial proceedings (bankruptcy and moratorium), relief proceedings, protection of intellectual property rights, free competition, specialty proceedings and ordinary civil and commercial actions.