Daniel Concepcion

CTO and CIO, leading global retail and commercial banking platforms across Europe, the US and Latin America.

Madrid / Boston / Mexico City

LinkedIn

About

I am a technology leader at Santander Group, serving as Deputy T&O Retail & Commercial Global Head and Deputy Head of Open Digital Services.

Most of my career has been about taking technology organisations through change. I have launched banks in new markets, rebuilt operating models to materially reduce cost and improve resilience, and moved large engineering organisations from monolithic systems onto cloud-native platforms. I have done this across Madrid, Boston and Mexico City, with teams of up to 3,000 people.

Experience

Santander Group

2024 – Present
Deputy T&O Global Head, Retail & Commercial · Deputy Head, Open Digital Services
Madrid

Santander Mexico

2020 – 2024
Chief Technology Officer (CTO, DGA) · Management Committee
Mexico City

Santander Mexico

2019 – 2020
Chief Information Officer (CIO, Executive Director)
Mexico City

Santander Bank N.A.

2016 – 2019
SVP, Head of IT Engineering
Boston

Santander Group

2015 – 2016
Global Head of Platform Engineering
Madrid
Earlier · 1999–2015. IT Managing Director and IT Manager at Produban (Santander), Madrid. IT Consultant at Banesto. Network Engineer at Intelideas. Computer Science at Universidad de Las Palmas de Gran Canaria; MBA, Universidad Alfonso X El Sabio.

What interests me now

01

AI-native banking

How banks are rebuilt, not retrofitted, around AI across the front-to-back stack.

02

The unit economics of cloud at scale

What resilient, cloud-native platforms really cost, and what they return, at tens of millions of customers.

03

Platform organisations under a moving regulatory perimeter

What technology organisations look like when the rules keep changing under them.