Daniel Gomez, MBA

• Ensured portfolio growth of retail products is aligned with credit risk appetite by developing data-driven risk and market intelligence reports using Python, Tableau and SQL, optimizing risk-return strategies, analyzing Key Risk Indicators and macroeconomic trends; prepared and produced executive reports to senior leadership, financial regulators and the board. • Working with internal and external risk teams including 4 countries’ local risk credit committees to ensure and align the monitoring of credit asset quality with strategies and pilots to bring executive insights

•Product owner of an agile I.T. project, translated business and compliance needs of 9 countries into requirements by working directly with executive stakeholders and technology teams; prioritized backlog to articulate a clear acceptance criteria while assuring validation from the customer

• Re-designed and developed digital sales strategy (CAD $30 million/month) for 9 countries through size of opportunity estimation, competitive analysis and process improvement; increased revenue by 11 MM and utilization by 30% of digital app and created strategic sales opportunities for the project • Initiated measurement strategy for Scotiabank digital sales tablet through cost-benefit analysis, risk assessment and negotiation; strategically aligned with senior leaders to execute on roadmaps • Business Lead and internal consultant accountable for project delivery within set timelines. Led and coached a team of developers and UX designers to deliver the product vision • Draft and managed product requirements, backlog releases and reported portfolio growth to senior management

• Directed reports on tableau (Connected different SQL tables) for all retail products (13 countries)’s key KPIs to provide a thorough analysis for products’ performance (Sale Productivity, Sales performance, etc); Strategically closed long-term gaps for 50+ product definition clarification and framework to align key metrics with multiple divisions • Established and refined data governance practices for a mobile application program defining and capturing learnings for an appropriate monitor and control of the project execution; led steering committees linking governance data with stakeholders issues to take corrective actions and re-prioritize our strategy and vision • Aligned cross functional data with different products to oversee the strategical performance of a portfolio of over 4 billion CAD dollars; presenting strategic insights to Senior Management •Evaluated a risk management project to create loan bucket classifications, assessed risk and retail data analyzing seasonality and risk measures for retail lending products for 7 Latin American countries

•Directed negotiations of 2 Joint Venture agreements and 4 mining operation contracts with the senior management of an Indian Transnational Company, leading to a change in ownership methodology for operators • Sponsor and orchestrator of multiple projects including a coal mine and storage to add greater capacity to our production facilities; efforts led to increased production, decreased shipping costs and improved loading speed • Partnered with mining engineers to manage a strategy to improve operational performance across the business; formed work teams to manage the reduction of mining operational costs and an increase in production by avoiding loses and closures. • Restructured the finances for three projects; analyzed the financial and operational needs of a Joint Venture project which forged a successful financial restructuring and the start of a new project with economic benefits for both parties. • Managed relationships with key business advisors (lawyers, accounting) to manage operational risk, business contracts and liabilities to ensure future viability of the company.

• Designed the procedures and guidelines to ensure compliance with Colombia’s National Mining Agency rules for health, security and safety for all mining operations • Managed the modification of the Work and Building Plan of 4 mining licenses; supervised complementary studies of the Environmental Management Plan with the engineers from these projects • Completed SGS Colombia Certification for mining industry inspection compliance; allowing the company to comply with Colombia’s environmental and mining laws by restructuring operations and working with engineers, management and employees • Partnered with mining engineers and supervised teams (size of 90 people) to develop multiple initiatives by reducing lead time, increase loading speed and decrease operational cost across the business

• Conducted the procurement, import and commercialization of mining supplies and machinery from companies in China with visits to the People’s Republic of China and Chinese businessmen visiting the Republic of Colombia. • Developed trade relationships with different equipment suppliers all across China and created lasting market opportunities. Annual increase of sales by more than 300% in the first two years • Self-started mining equipment import business, created a network of distribution across Colombia and developed long term lasting contracts with 10 Chinese providers and 15 Colombian mining cooperatives

Counseled 57+ Business students by analyzing course requirements, making relevant course recommendations, creating and grading quizzes and assignments and providing exam preparation to help advance student academic standing.

Thesis in Alternative Methods in Gold and Silver extraction for environmental sustainability in traditional mining

Thesis in Credit Rationing and Micro Industries, A study for the case of investment in Colombia