Otavio Farah

FitBank connects companies to financial services in a simple, scalable, flexible and traceable way, in a seamless banking experience • Accounts Receivable (boleto, debit/credit and TED receivings), Accounts Payable (boleto, public utilities and taxes payments and TED transfers) and Cash Management (investment, financing) Connection via API, without batch files (CNAB) • Split payment, recurrence, NF emission, notification and charging via e-mail and SMS, comissions calculation etc. The power of virtual accounts and an online treasury • A unique contract and integration: financial flux domain, and possibility to offer consigned services (receivables exchange, investment, financing, insurance, benefits etc.)

• Develop and implement the e-commerce payment operations in Brazil. • From hiring staff, developing sales speech, sales pipeline and presentations. • Manage the interface with Spanish headquarters as well as participate in development of the payment functionalities with Business Analysts and developers in Austria and Romania. • Merchant on boarding process, align with support the demands of merchant’s implementation. • Relationship with payment providers such as Cielo, Elavon, Santander, Paypal and MercadoPago. • Understanding online and offline payment schemes such as credit cards, e-wallets and boletos.

• Responsible for product development, customer assistance and operations management as well as strategic movements and services. • Negotiated and implemented payment processes with major transport companies in Brazil, reaching US$ 1,5 billion in transactions in 2013. • Developed a network of over 1000 gas stations around the country for the acquiring process of the closed loop truck driver payment card. • Planned, implemented and operated a document assessment business to clear payments for the truck drivers with over half a million checked documents in one month. • Negotiated and managed complex system integrations with large companies: SAP, JDEdwards, Banks as well as Visa and MasterCard (from the commercial point of view, not technical). • Conducted the transition from the closed loop model (1000 gas stations) to the open loop model (MasterCard pre-paid). From the idealization of the new business model, to negotiating with transport companies and re-training truck drivers. • Created and implemented the concept of “conta-frete” the e-wallet for the truck driver. • Opened the Argentinean branch to support international transportation clients. • Travelled around the country and understood very large logistics operations such as grains, auto-parts, cement, electronics in all aspects (commercial, operational and technological), in order to give a customized solution to the client. • Government assistance on public hearings about the creation of the law. • Implemented a social responsibility program towards truck drivers on the roads of Brazil. • Developed an app for the truck drivers to manage their relation with the company as well as the new document clearance process. • Around 200 head-count to manage the above mentioned.