Financial Services Transformation Advisory — LatAm, Caribbean, Middle East & Asia-Pacific

Where strategy meets execution — and delivers results

Banks and fintechs invest heavily in transformation — and most fail to realize the value. 3P Advisory bridges the gap between strategic ambition and measurable outcomes, with senior-led, hands-on delivery.

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$3.9T
Global digital transformation spend by 2027
IDC Worldwide DX Spending Guide
70%
Of transformations fail to deliver expected value
McKinsey — Modernizing IT in Banking
$1.3T
Wasted annually on failed transformation initiatives
Boston Consulting Group
16–30%
Of programs actually deliver expected business value
Boston Consulting Group
Why 3P Advisory

Four reasons our clients choose us

We don't just advise transformation — we make it work. Our distinction comes from deep roots in financial services and an uncompromising focus on outcomes over activity.

Focused expertise in financial services

Deep, hands-on experience leading complex transformation programs at Citibank, EY, and Fiserv — across banks and fintechs in Latin America, the Caribbean and North America.

End-to-end perspective

Strategy, execution, and value — integrated under one approach. We don't operate in silos or hand off responsibility at the hard stages of delivery.

Independent by design

Not tied to any technology vendor or implementation partner. We provide objective, unbiased advice.

Execution oriented

Focused on outcomes, not just recommendations or theoretical perfection. Every engagement ends with measurable results — not a slide deck and a handshake.

Why Transformations Fail

Most transformations stall in the disconnect between strategy and execution

The issue is not a lack of investment or ambition. It's the gap between strategy, execution, and value — and the structural failures that open up in between.

1
Strategy–execution gap
Transformation strategies are defined but fail during implementation — plans don't translate into action.
2
Fragmented program delivery
Multiple vendors, workstreams, and internal teams create coordination failures and lost momentum.
3
Technology-led, not outcome-led
Programs focus on technology implementation rather than the business outcomes that justify the investment.
4
No real value tracking
Organizations struggle to measure whether transformation investments are delivering ROI — so they can't course-correct.
5
Weak governance structures
Lack of clear accountability slows execution, delays decisions, and allows problems to compound silently.
Strategy, Execution and Value triangle
The 3P framework

Perspective. Program. Performance.

3P Advisory was built around one structural insight — transformation requires more than strategy. It requires a framework that integrates design, execution, and value measurement from day one.

The 3P Framework - Perspective, Program, Performance

The 3P framework is not theoretical — it translates directly into five core services that intervene at every stage where transformations start to break down.

Core services

Five services. One integrated approach.

Each service maps directly to the 3P framework — so every engagement integrates strategic direction, structured execution, and measurable value from the outset.

1

Transformation diagnostic & reset

Identify what is truly driving underperformance, challenge current priorities, and reset the transformation around a focused, executable path.

4–6 weeks
Perspective
2

Transformation setup & structuring

Design the end-to-end transformation architecture — governance, structure, and business-technology alignment in place before execution begins.

6–10 weeks
Program
3

Execution oversight & advisory

Act as an independent advisor to leadership — driving focus, challenging decisions, ensuring execution stays aligned and on track.

Ongoing 3+ months
Program
4

Performance & value realization

Make value explicit and measurable — linking initiatives to financial outcomes and ensuring performance is tracked and delivered against targets.

6–8 weeks + ongoing
Performance
5

Independent transformation assurance

An objective external view of transformation progress — challenging narratives, exposing hidden risks, enabling confident executive and board-level decisions.

3–5 weeks per cycle
Perspective
Selected engagements

Work that speaks for itself

A sample of engagements across transformation setup, execution oversight, and digital innovation — delivered across banks and fintechs in Latin America, the Caribbean, and North America.

Transformation setup & structuringPerformance & value realizationPAPanama

End-to-end digital banking launch — Leading Panamanian bank

Built the bank’s digital innovation function from scratch. Led everything from board-level business case and regulatory licensing to vendor selection, UX/CX design, IT architecture, core banking integration, AML/KYC, and full product launch — delivering the bank’s first fully digital product.

→ 5% customer base growth in 6 months
→ Account opening: 2 hours → 5 minutes (85% efficiency gain)
→ $15M projected revenue from payments modernization
Transformation setup & structuringIndependent assuranceExecution oversight & advisoryDODominican Republic

International expansion program — Leading Caribbean bank

Led a $25M EY engagement managing the international expansion of the Dominican Republic’s largest bank across 3 countries. Oversaw regulatory licensing in the US, Dominican Republic, and Spain, IT architecture design, and target operating model — with 50+ stakeholders and a project variance of under 3%.

→ <3% project variance vs 5% target
→ Banking approvals secured in 3 countries within 15 months
Execution oversight & advisoryIndependent assuranceUSUnited States

Enterprise payments platform — Regional US bank

Directed a $3.5M, 4-workstream program to implement a new enterprise payments platform — launching Fedwire, ACH, TCH RTP, and Zelle B2B capabilities including cloud infrastructure modernization to Kubernetes. Full SDLC oversight across development, QA, deployment, and change management.

→ 5M+ daily transactions enabled across RTP, Fedwire & Zelle
→ <5% timeline variance across all workstreams
Transformation diagnostic & resetTransformation setup & structuringExecution oversight & advisoryMXMexico

FX program portfolio — Citibank Mexico

Managed a $5M program portfolio of 25–30 concurrent projects across Treasury & Global Markets covering core banking, pricing, risk management, AML/KYC, and trading systems. Led 15 direct reports and managed $1.5M annual budget with 10+ external vendors.

→ Zero audit issues over 2.5 years
→ Timeline deviations reduced from 10–15% to under 5%
Transformation setup & structuringPerformance & value realizationExecution oversight & advisoryMXMexico

Market entry & GTM strategy — Banco Sabadell Mexico

Spearheaded the launch of Banco Sabadell’s new Mexican subsidiary. Established the operational risk group, designed the go-to-market strategy, and developed client-facing content for 5+ products in collaboration with legal, marketing, sales, and external agencies.

→ Full market entry from zero to live product
→ Account revenues grew from $500K to ~$3M in 3 years
Transformation diagnostic & resetExecution oversight & advisoryVEVenezuela

Process transformation — Leading Venezuelan bank

Led the redesign of 50+ banking operational processes using lean/6-sigma. Collaborated with the COO and directors on customer segmentation strategy and branch network optimization, and streamlined the loan origination process from end to end.

→ 20% reduction in processing time
→ 50% reduction in credit processing time over 18 months
→ 30% increase in credit sales
Where we work

Senior-led delivery across the Americas, Middle East & Asia-Pacific

Direct delivery experience across Latin America and North America, with active expansion into the Caribbean, Middle East, and Asia-Pacific.

3P Advisory — markets served across LatAm, Caribbean, Middle East and Asia-Pacific
ES Spain US USA MX Mexico DO Dominican Rep. PA Panama VE Venezuela
Direct delivery
Target markets
Leadership

Senior-led, hands-on — every engagement

You work directly with senior practitioners who have led complex programs from the inside — not teams where senior input is reserved for the pitch.

Richard Martinez, Founder and Managing Director
Richard Martinez
Founder & Managing Director
Citibank VP — Treasury & Global Markets EY Engagement Manager Fiserv Program Manager 14+ years in financial services Latin America · Caribbean · North America

Richard is a strategy and transformation leader with over 14 years of experience managing complex, multimillion-dollar programs across banks, fintechs, and financial institutions in Latin America, the Caribbean, and North America.

He has led enterprise payments platform implementations at Fiserv for one of the largest US banks, managed a $25M international expansion program at EY for the Dominican Republic’s largest bank, directed the FX IT and operations project portfolio at Citibank as Vice President — achieving zero audit issues across 25–30 concurrent projects over 2.5 years — and built Banco Aliado’s digital innovation function from scratch, delivering the bank’s first fully digital product from board pitch to live launch.

He founded 3P Advisory on a simple conviction: transformation in financial services fails not because of a lack of strategy or effort, but because of the disconnect between them. 3P exists to close that gap — with structure, discipline, and an unrelenting focus on delivering measurable outcomes.

richard.martinez@3padvisory.com LinkedIn Book a call WhatsApp
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Start the conversation

If your transformation is underperforming, fragmented, or struggling to prove ROI — we can help. Reach out to discuss your specific situation.

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contact@3padvisory.com
+1 812-228-0170
www.3PAdvisory.com
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