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

Where strategy meets execution — and delivers results

Financial institutions invest billions in transformation. Most fail to deliver. We help close the gap between strategic ambition and measurable results, with a dedicated senior team.

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$3.9T
Global digital transformation investment 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 on transformation — we make sure it works. Our distinction comes from deep financial services experience and an unwavering focus on delivering quantifiable results.

Deep financial services expertise

Hands-on experience leading complex transformation programs at Citibank, EY, and Fiserv, across banks and fintechs in North America and Latin 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.

Objective, independent perspective

We are not tied to any technology vendor or implementation partner. We provide objective, unbiased advice focused entirely on your outcomes.

Execution-focused

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

Why Transformations Fail

Most transformations stall in the disconnect between strategy and execution

The problem isn’t lack of investment or ambition. It’s the gap between strategy, execution, and value — and the structural disconnect that exists between them.

1
Strategy-to-execution gap
Transformation strategies are defined but fail at implementation — plans don’t translate into action.
2
Execution fragmentation
Multiple vendors, workstreams, and internal teams create coordination failures and loss of momentum.
3
Technology-led, not business-outcome-led
Programs focus on technology implementation rather than the business outcomes that justify the investment.
4
No real value traceability
Organizations struggle to measure whether transformation investments are generating return, leaving less time to course-correct.
5
Weak governance structures
Lack of clear accountability slows execution, delays decisions, and allows problems to accumulate silently.
Strategy, Execution and Value Triangle
The 3P Framework

Perspective. Program. Performance.

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

The 3P Framework

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 links directly to the 3P framework, so every engagement integrates strategic direction, structured execution, and measurable value from the start.

1

Transformation Diagnostic & Reset

Identify what is driving underperformance, challenge current priorities, and restart 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 before execution begins.

6–10 weeks
Program
3

Execution Oversight & Advisory

Act as an independent senior advisor, 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 achieved 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 decisions at executive and board level.

3–5 weeks per cycle
Perspective
Case Studies

Selected engagements

Transformation programs led directly — from strategic architecture to operational delivery.

USAUnited States
Enterprise payments platform transformation — Major US bank
Led a $3.5M, 4-workstream program to implement a new enterprise payments platform, launching Fedwire, ACH, TCH RTP, and Zelle B2B capabilities.
5M daily transactions supported in production
Cloud infrastructure migration to Kubernetes
$2M in additional professional services revenue
Transformation Setup & Structuring Execution Oversight & Advisory
Dominican RepublicDominican Republic
International expansion program — Leading Caribbean bank
Led a $25M EY engagement managing the international expansion of the DR’s largest bank across 3 countries, with a team of 50+ stakeholders.
New representative offices in USA, Spain and Panama
Banking licenses obtained across multiple jurisdictions
Project variance under 2% against a 5% target
Transformation Setup & Structuring Execution Oversight & Advisory Performance & Value Realization
PanamaPanama
Digital transformation & innovation function — Panamanian bank
Built the bank’s innovation function from scratch, establishing governance, roadmap, and digital product strategy. Designed a full digital onboarding platform.
Account opening reduced from 2 hours to 5 minutes
Strategic Visa partnership for payments modernization
10% projected client base increase
Transformation Setup & Structuring Execution Oversight & Advisory Performance & Value Realization
MexicoMexico
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.
Zero audit issues over 2.5 years
Timeline deviations reduced from 10–15% to under 5%
Team became top-performing unit in 300-person department
Transformation Diagnostic & Reset Transformation Setup & Structuring Performance & Value Realization
MexicoMexico
Banco Sabadell Mexico market launch
Led the full launch of Banco Sabadell Mexico as senior consultant at Indra/Minsait, managing product marketing and market entry strategy.
Set up operational risks area from scratch
Full regulatory and compliance system integration
Account revenue growth from $500K to $3M
Transformation Setup & Structuring Execution Oversight & Advisory Performance & Value Realization
VenezuelaVenezuela
Process optimization — Leading Venezuelan bank
Led a process optimization program for Venezuela’s largest bank as an EY consultant, applying Lean/Six Sigma methodologies across retail and corporate banking operations.
50+ processes redesigned across the organization
Significant reduction in operational processing times
Continuous improvement framework embedded institutionally
Transformation Diagnostic & Reset Transformation Setup & Structuring Execution Oversight & Advisory
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 map
Direct delivery experience
Active target markets
SpainSpain
USAUSA
MexicoMexico
PanamaPanama
Dominican Rep.Dominican Rep.
VenezuelaVenezuela
Leadership

Senior-led, hands-on delivery

You work directly with senior professionals who have led complex programs from the inside — not teams where senior involvement is reserved for steering committees.

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

Richard is a strategy and transformation leader with 14+ years managing complex, multi-million dollar programs across banks, fintechs, and financial institutions. He has led enterprise payments platform implementations at Fiserv for one of the largest banks in the Western US, managed a $25M international expansion program for a Caribbean banking client at EY, and ran the FX IT and operations project portfolio at Citibank as VP. He also built Banco Aliado’s innovation function from scratch, launching the bank’s first digital onboarding platform and a strategic Visa payments partnership.

He founded 3P Advisory on a simple conviction: transformation in financial services doesn’t fail from lack of strategy or effort — it fails from the disconnect between them. 3P exists to close that gap with structure, discipline, and an unwavering focus on delivering measurable results.

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Schedule a free 30-minute conversation

No commitment. Tell us about your transformation challenge and we’ll explain how 3P Advisory can help.

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Start the conversation

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

Schedule a free 30-min call via Calendly Message us on WhatsApp
[email protected]
+1 812-228-0170
www.3PAdvisory.com
LinkedIn — 3P Advisory
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