Joanne Rivera, MM
N America Region Head @ GCash
About
Strategic business development leader with over two decades of success driving growth in global remittance, fintech, and financial services across North America and Asia-Pacific. I specialize in market expansion, strategic partnerships, and P&L leadership, helping fintech and financial institutions strengthen customer engagement, optimize revenue streams, and expand into new corridors. I’m known for turning complex market challenges into growth opportunities — from tripling portfolios and launching mobile wallet products to building alliances with top financial networks and diaspora organizations. My leadership blends analytical precision, commercial acumen, and cultural fluency, ensuring results that scale sustainably and globally. Core strengths: Market Expansion | Strategic Partnerships | Cross-Border Payments | Go-to-Market Strategy | Team Leadership | P&L & Revenue Optimization | Financial Inclusion
United States
Spring
Financial Services
Presentations, Customer Satisfaction, Communication, Strategic Partnerships, Coaching, Channel Sales, Negotiation, Business Development, Sales Management, Business Strategy, Strategy, CRM, Public Relations, Strategic Planning, Marketing Strategy, Advertising, Sales, Market Research, Marketing Communications, Account Management
Experience
N America Region Head
GCash
Houston, TX
Drive international business expansion and trade marketing strategies to strengthen GCash’s presence in North America and APAC. Built strategic alliances with Filipino-American organizations and fintech partners, increasing engaged user base and transaction diversity by 25% in six months. Lead corridor analysis and go-to-market strategies improving cross-border remittance inflows. Develop performance dashboards linking partner ROI to marketing investment decisions.
Company Owner
JR BUSINESS SERVICES LLC
Houston, Texas, United States
• Spearheaded strategic deployment of marketing consulting services in the MSB, FINTECH, Banking, and Payments space. • Managed a remote team to deliver innovative solutions tailored to clients' needs. • Achieved significant revenue growth through targeted marketing campaigns and client acquisitions.
Director of Business Development APAC
Viamericas Corporation
Houston, Texas, United States
Expanded SMB network and APAC partnerships, delivering 17% YoY revenue growth and 33% profit margin increase. Managed over 150 business accounts, driving operational excellence and client retention. Implemented incentive structures that boosted contribution margins by 35%.
Business Development Director l US
Ria Money Transfer
Buena Park, California
Scaled business portfolio from $120M to $385M annually through data-driven sales and product innovation. Designed loyalty campaigns achieving 97% client retention and 164% transaction growth. Recognized as Corridor Champion (3x) for revenue growth and operational excellence. Partnered with internal risk, FX, and credit teams to maintain full regulatory compliance.
Vice President Of Business Development
Philippine National Bank
United States
Directed 70+ retail outlets and agent partners, boosting market share by 42% in the first year. Delivered 355% net profit growth through strategic cost optimization and leadership restructuring. Chaired Compliance Committee; led regulatory audits (FRB, IRS, CFPB) with consistent clean findings. Doubled global home loan sales to $9.2M and increased branch profit by 65%.
Vice President - Sales & Distribution, Consumer Banking
Citi
Philippines
Managed a $200M+ portfolio and led a 300-member sales team, improving new agent productivity by 253%. Increased branch revenue by 21% through micro-marketing and Balanced Scorecard systems. Drove 23% YoY growth in new-to-bank customer acquisition.
Education
Asian Institute of Management
Language of Business, Finance Management, Strategic Cost Management, Strategic Marketing, Operations
Exemplary Service Award for Leadership Excellence Special Commendation Certificate for being a consistent Dean’s Lister (3 of 3 modules) Gave the Commencement Speech addressing the graduating students of MM, MBA, and EMBA Winner, “Best Industry Study” – A Study of the Multi-Modal Transport System in the Philippines Winner, “Management Games” – A simulation of operations, finance and strategy Head Organizer, AIM Student Christmas Party Dean’s List Authored, Management Research Report entitled, “A Strategy for Robinsons Galleria Supermarket”
University of Santo Tomas
Journalism
Soccer Varsity Started Dragon Boat Rowing Team Member, Journalism Association of the Philippines
Joanne Rivera, MM's Contact Information
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