International Profitability Benchmarks for Issuers and Acquirers: Bolivia (Banco Union), Chile (Banco de Chile, Concepcion, Banco Hipotecario y de Fomento (BHIFE), Financiera Atlas and Transbank); Colombia (Banco de Bogota, Ganadero, Banco del Cafe, and Ascredibanco Visa Colombia); Mexico (Banamex, Bancomer, Banca Serfin and Prosa), Brasil (VisaNet do Brasil); Venezuela (Provincial, Banco Latino and Banco Union), Dominican Republic (Banco León), Puerto Rico (First Bank debit strategy).

Delineating Strategic Plans: Capital One, Business Plan to enter the Mexican market ; Royal Caribbean Business Plan, Strategic Plan for Visa International, Latin America and Caribbean Region, Country Business Plans, (Brasil, Chile, Mexico, Peru, Venezuela, and other key markets), Long term plan for the consolidation of Banco Mexicano and Household Bank; Creation of future initiatives for the payment industry, (Visa Inc); Impact of currency devaluation in Mexico, and business plan for Capital One entrance into the Mexican market place.

Creating Strategic Alliances and Joint Ventures: Datafast, Ecuador, recovery networks; Visa Argentina, Bolivia (Linkser and ATC), Brasil (Bradesco, Banco Real, Banco do Brasil, VisaNet do Brasil), and the creation of VisaNet Perú (Banco de Credito, Banco Continental, Interbank y Unibanca) and VisaNet Uruguay (Banco Comercial, Oca Casa Financiera, Banco Caja Obrera y Pan de Azucar).

Best Practices for Incentive programs and Cobranding Cards: Brasil (Bradesco, Bandeirantes, Bozanno, Unibanco, and CitiBank); Mexico (Banamex, Bancomer, Citibank and Santander); Venezuela (Banco Union, Citibank, Banco Mercantil, Provincial; Chile (Banco Hipotecario y de Fomento BHIF, Citibank, Corpobanca, Santiago, Sudamericano); Central American (Group Promérica)

Development of Marketing Plans: Prioritisation of Regional Initiatives (Visa Inc); Investment allocation among marketing, new accounts, activation and retention plans; Chile (Marketing Plan for Launching Falabella Bank card program), Developing Card Acceptance at supermarkets (Chile, Guatemala y Mexico); Developing Pricing Strategies (Credit, Debit and Visa Cash, Visa Inc). Business plan for Discover entrance into Venezuela.

Optimizing Organizational Structure: Mexico (Bancomer, Banamex), Venezuela (Banco Union2), Bolivia (ATC and Linkser, Banco Union).

Projects Reimbursement Rate: Bancolombia, Brazil (Visanet, Bradesco), Mexico (Bancomer and Banamex), Visa International Latin America (Chile, Colombia, Mexico and Venezuela), reimbursement rates ATM (Puerto Rico, Bolivia and Venezuela) , International Exchange Rate Visa USA, Visa Europe, Visa Latin America Region (Visa International).

Measuring Profitability of ATM’s Machines and Debit Cards: Brasil (Bradesco, Banco do Brasil); Bolivia (Banco Union, Linkser); Mexico (Bancomer, Serfin, Banamex, Bital, Banorte, Santander); Puerto Rico (Banco Popular); Venezuela (Banesco, Banco Union, Mercantil); España (Cajas de Ahorro, Switch 7B, Banco Bilbao), Mexico (Bancomer, Banamex), and Venezuela (Banco Union).

Information Systems: CardProfit developed eknowlogie Minneapolis, United States Profitability System Banco de Guayaquil, Banco León Profitability Model, Price Model vs MasterCard Visa (Visa International), System Performance (Banesco in Venezuela); Consultation Line (Credibanco, Colombia, and Visa International), Acquirer Risk System (Visa) Business Model Online Knowledge Group and TecniCard Promérica; Model projections for Venezuela Visa.

Training and Seminars: Seminars for more than 1000 bank executives in managing the Issuing and Acquiring business, Profitability, the Bankcard management Institute with the University of Miami and the Strategic Research Institute (Bolivia, Brazil, France, Miami, Mexico, Puerto Rico, New York, and Guatemala); Bogotá, Colombia. Implementation of seminars with Credibanco and Instituto Tecnólogico de Monterrey University (best business practices issuer and acquirer, risk mitigation strategies, banking services massification, and debit and prepaid products, 2008 - 2011).