Robert Monturiol en oficina

Professional path

Career

Board advisor and specialist in AI governance and strategic value. He founded financial institutions and has three decades across banking, consulting, technology and entrepreneurship in Europe, the United States and Latin America. Today he devotes part of his time to one question: what happens to human value when intelligence, production and execution are no longer scarce.

2024 – Present

Strategic Advisor & Researcher | AI Governance & Value Strategy · Independent Advisory & Research, European Union & United States

Independent research and board advisory on decision architecture, governance frameworks and capital allocation in AI-driven environments. Designing analytical models to assess how technological abundance shifts enterprise value, institutional judgment and human agency across critical financial and data infrastructures.

2014–2024

Founder & Chairman · Ictineo Plataforma, Latin America

Acquired and transformed a regulated financial institution into a Banking-as-a-Service platform serving underbanked populations in Latin America. Led the full cycle, from regulatory approval to the sale to Bradesco in 2024.

2015–2019

Board Member · American Cash Exchange, Inc. (Poni), New Jersey, United States

Member of the governing body, participating in corporate governance and strategic direction.

2012–2017

Founder & General Partner · Ictineo Infrastructure LP, Canada

Structured and managed an institutional private equity vehicle targeting pension funds, funds of funds and multilateral organizations, for investment in sustainable infrastructure projects.

2009–2012

Founder · Solcrece, Latin America

A financial inclusion institution offering tailored products for expatriate and immigrant populations and SMEs. Designed and launched four product and service lines for underserved segments.

2006–2009

Country Manager Latin America · Daemon Quest

Led the firm’s international expansion and its customer intelligence and data analytics practice. The firm was acquired by Deloitte in 2009.

2004–2006

Director, Banking & Financial Services Division · Daemon Quest, Madrid

Led the banking and financial services practice for major financial institutions and venture capital firms.

1999–2004

Director of Strategic Marketing · Andbank, Andorra

Product development and digital channels, including the bank’s first online banking service, and direct involvement in the integration of Banc Agrícol i Comercial d’Andorra and Banca Reig that gave rise to the Andbank brand in 2001.

1997–1999

Institutional Banking Manager · Santander, Barcelona

Institutional banking responsibility for the rollout of the bank’s first branch at the University of Barcelona.

1995–1997

Technology Retail Development · Megabyte Computers, Barcelona

Start of his professional career, applying the servuction model to the design of technology retail spaces.