Ray De Castro
CTO | BFSI Digital Transformation Executive - T.O. Brasil
🎯 I turn regulated banks into AI-driven, resilient and revenue-generating ecosystems.
Technology Executive with 20+ years leading Enterprise Architecture, Cybersecurity, Fraud Management, Data & AI at the intersection of strategy, governance and engineering delivery — across Brazil, the US and LATAM.
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WHAT I DELIVER
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→ CYBER RISK AT SCALE
Built and led a Purple Team under the 3-lines-of-defense model at a Top-5 Brazilian Bank, in partnership with McKinsey. Migrated cyber risk from a maturity-based to a risk-based approach (McKinsey, 2019) — implementing NIST CSF and FAIR for quantified, board-grade reporting across a R$200M+ multi-year program.
→ FRAUD & DETECTION INVESTIGATION MODERNIZATION
Architected enterprise-scale fraud detection ecosystems using SAS Fraud Management across multiple engagements, achieving up to a 40% reduction in alert volume, a 35% increase in detection rates, and an 18% reduction in false positives.
→ RISK MANAGEMENT TRANSFORMATION Oversaw a R$350M enterprise risk budget and modernized analytical environments (monthly cycle reduced to ~3 days, <1% error rate) across Credit, Market, Liquidity and Operational Risk.
→ AI & MARTECH AT ENTERPRISE SCALE
Deployed Customer Intelligence 360, RTDM, Salesforce Marketing Cloud and AI-driven decisioning ecosystems for top-tier banks.
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HOW I LEAD
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Direct leadership of 6 Senior Managers / executives, with extended squads across Engineering, Data Science, Risk and Compliance. Reported to the CRO, and directly to the President and Board during enterprise crisis events. Strong governance, clear metrics, and engineering decisions connected to P&L.
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WHERE I'VE OPERATED
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HSBC & Bradesco (˜11 yrs · C-level adjacency)
Executive education: Stanford (Cybersecurity & Executive Strategy) · University of Chicago (Risk Management & Financial Decisions)
Certifications: CISM · Lean Six Sigma Black Belt · SAS Visual Analytics for Viya (Advanced) · SAS Visual Investigator (Designer Advanced) · SAS CI
Frameworks: PMI · COBIT · ITIL · COSO · Agile / Scrum · NIST CSF · FAIR · DORA
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