Ruben is the CEO of Gennius XYZ and the Chairman of the Board at TerraPay, two pivotal roles that position him at the forefront in the global payments ecosystem. As CEO of Gennius XYZ, he drives strategic growth by leveraging technology to create future-ready solutions that redefine digital engagement. At TerraPay, he steers the company’s mission to build a seamless global payments ecosystem, connecting diverse money movement networks and alternative payment methods. His leadership spans global expansion, corporate strategy, operational excellence, and fostering new business lines while enhancing payments infrastructure. With nearly three decades in financial services, Ruben has an established track record in revenue generation, commercial strategy, and product innovation. He is widely acknowledged for delivering transformative solutions to complex challenges. Before TerraPay, Ruben was instrumental in shaping Visa’s global payments strategy. As the Global Head of Visa Direct, he led significant expansions, enhancing the platform’s reach and profitability. His vision unlocked new revenue streams and Visa’s leadership in digital payments. As SVP of Products, Processing & Innovation for Latin America and the Caribbean, Ruben drove platform transformation by integrating cutting-edge technologies such as tokens and NFC to foster innovation. Earlier, as Head of Product Design & Development for Visa Asia Pacific, he enhanced efficiency and user experience by seamlessly incorporating new digital capabilities. At Mastercard Worldwide, Ruben was key to establishing the brand as a leader in the affluent consumer segment. As Head of Consumer Products for Asia Pacific, Middle East, and Africa, he achieved remarkable growth through tailored strategies and a keen understanding of diverse markets. During his tenure at Barclays and Barclaycard, Ruben showcased resilience and strategic acumen while managing operations in Spain and Portugal amid Western Europe’s economic uncertainty. He successfully navigated mergers and acquisitions, keeping the business resilient and forward-looking. Ruben’s career began at Citigroup Latin America, where he gained foundational experience in card business management, partnerships, M&A, cobrands, marketing, and general management. Beyond traditional leadership, Ruben’s portfolio of patents highlights his pioneering role in user-centric product innovation. Ruben’s dual roles at Gennius XYZ and TerraPay underscore his dedication to shaping the future of financial services through technology, innovation, and strategic leadership.