Ruben Andres Flores Flores

Director responsable de liderar la estrategia de Medios de Pago y Lealtad en México, impulsando el crecimiento del portafolio de tarjetas y la adopción de nuevas funcionalidades digitales. Conduzco la relación estratégica con VISA, Mastercard, Fintechs y Big Techs (Google/Apple) para asegurar capacidades de vanguardia, altos niveles de aprobación transaccional y el cumplimiento de acuerdos comerciales. Lidero la visión end-to-end de digitalización, innovación y eficiencia operativa, fortaleciendo la propuesta de valor en pagos y garantizando un P&L robusto para los segmentos Retail y PyME. Además, dirijo la estrategia integral de lealtad, alianzas y experiencias de cliente, enfocada en incrementar uso, permanencia, satisfacción y rentabilidad. Gestiono equipos de alto desempeño en issuing, lifecycle, loyalty y partnerships, promoviendo una cultura centrada en el cliente, datos y transformación continua.

• Lead the transformation of physical services to the digital world aligned to the Omnichannel Strategy. • Responsible for defining strategy for the digital payments landscape. • Build new features for our digital products that enhance customer experience • Leverage entrance of new technologies to build position in the digital market space. (Tokenization, Contactless, Wearables, Biometrics, etc) • Responsible of the development of the New Business opportunities that enable new sources of income

• Build market position by locating, developing, defining, negotiating, and closing business relationships whit alternative channels such as Retailers, Banks and Service Billers. • Responsible of the development of the Payment Network and Bill Payment Service, managing collaboration projects largely in the retail sector, coordinating internal resources within the Company from different areas, such as; Legal, Marketing, Technology, Compliance, Commercial, to ensure the launch, positioning and tracking of the Network. • Create a commercial strategy that includes customer experience, tech requirements and internal prioritization.

Job Responsibility: Builds market position by locating, developing, defining, negotiating, and closing business relationships. Job Duties: • Transfer Banamex Product Manager, managing collaboration projects between the Bank and customers largely in the retail sector. • Responsible to coordinate internal resources within the Bank from different areas, such as; Legal, Marketing, technology, compliance, commercial, to ensure the launch, positioning and tracking of the product initiative. • Assure the launch and development of projects based on PMI methodology for internal follow – up and Executive report. • Evaluate the profitability of the project, working on the generation of Business Cases, Transaction Dashboards and P&L´s formats. • Follow-up and assurance the execution of the strategic plan of the area focus on activities related to the customers and other internal areas of the Bank. • Create a commercial strategy that includes customer experience, tech requirements and internal prioritization. • Analyze potential business, through the definition of market strategies, business requirements and financial potential looking forward to the startup of new business relations. • Develop negotiation strategies through the study of the new company to define the integration in to the strategies and operations of the Bank; identifying the potential risks, needs and objectives

GS1 MÉXICO it´s the local representation in our country of GS1 Global, an international non-profit organization that regulates electronic commerce and business standards worldwide, with presence in more than 145 countries and with more than 2 million companies associated. Position: Business Solutions Specialist - Retail Job Responsibility: Promote and ensure the adoption and use of international standards of electronic commerce in the Retail Sector. Job Duties: • On-shelf Availability Product Manager; coordinating the execution, operation and analysis of the 2011, 2012 and 2013 OSA Annual Reports. • Responsible of the development and implementation of products and services designed in order to achieve the adoption of global collaboration standards such as On-shelf Availability, Trading Partner Performance Measurement, and GS1eCommerce directed towards Retailers and Consumer Package Goods industries. • Develop the content and updates of the Business Solutions for the retail sector based on GS1 standards, required for projects, consultants, training, promotion, sales, etc. • Become part of the GS1 Collaboration Committee, supporting the Collaboration Vice President as the Committee Project Coordinator between Retailers, Consumer Package Goods industries and another non – profit organizations. • Participate as a member of GS1 International Working Groups as part of the overall methodology for the maintenance of the international standards Others positions at GS1 Mexico: • Sales Coordinator • New Projects Coordinator • Project Leader • Account Executive