Curriculum vitae
Daniel Concepcion
CTO and CIO with more than 25 years building and transforming technology organisations, infrastructure and digital platforms across Europe, the US and Latin America.
Leadership scope: technology, infrastructure, cybersecurity, data, artificial intelligence, platform engineering, digital channels and international transformation.
Leadership experience
Santander Retail & Commercial
Deputy T&O Head
- Lead the implementation of generative AI across global customer platforms, spanning the redesign of processes around AI, AI-powered personalisation in the Customer Interaction Platform, staff copilots and voice bots in Assisted Channels and customer-facing chatbots in Digital Channels.
- Lead global customer platforms including OneApp, Assisted Channels, Customer Interaction Platform and SME Onboarding across Brazil, Chile, Mexico, Uruguay and Spain.
- Built a global product organisation around a front-to-back, API-first model.
- Oversee technology risk and governance across regulatory jurisdictions.
Open Digital Services
Deputy Head & Omnichannel Head
- Lead AI-assisted software engineering across the software development lifecycle, spanning coding copilots, coding agents and AI-native IDEs alongside integrated application security.
- Led the end-to-end technology launch of Openbank in the US and Mexico on a cloud-native platform designed for expansion into new markets.
Santander Mexico
Chief Technology Officer (CTO, DGA) Management Committee
- Led IT development, infrastructure, cybersecurity, data and technology governance for one of Mexico's largest banks.
- Rebuilt the operating model, insourced critical capabilities, materially reduced run costs and led a stability programme that sharply reduced critical incidents.
- Kept the bank operational through COVID by moving critical capabilities to SaaS and cloud infrastructure within weeks.
- Built and led the bank's data function, including data engineering and the Chief Data Office.
Santander Mexico
Chief Information Officer (CIO, Executive Director)
- Launched the technology transformation programme and its target operating model while leading local development and infrastructure through a critical transition.
Santander Bank N.A.
SVP, Head of IT Engineering
- Worked on the transformation of Santander Bank N.A. and reworked infrastructure and security architecture against FDIC, FRB and OCC expectations.
- Led public, private and hybrid cloud adoption, data-centre consolidation and SD-WAN implementation.
Santander Group
Global Head of Platform Engineering Group CIO Office
- Built the group's internal developer platform, simplifying a hybrid private-cloud, Azure and AWS estate for more than 1,000 developers.
- Set reference architectures for microservices, containers and event-driven systems; launched the first group big-data platform and the infrastructure blueprint used in acquisitions.
Produban
IT Managing Director Nov 2008 – Oct 2015; previously IT Manager, Jun 2005 – Nov 2008
- Helped build GSNET, Santander Group's international network, and rolled out common collaboration tools across countries.
- Developed a service model to reduce blast radius between entities, contain cross-entity failure propagation and prevent channels from failing at the same time.
- Helped introduce Linux and virtualisation and signed the group's first cloud agreement with Amazon.
- Helped bring new data centres into operation in Solares, Querétaro, Campinas and Leicester.
Foundations
Earlier career
Started as a Network Engineer at Intelideas. Joined Eurociber, then part of Banesto, in 2003, working across internet infrastructure and services, including the management of ESPANIX, Spain's leading IP traffic exchange.
Education
Computer Science studies, Universidad de Las Palmas de Gran Canaria.
MBA, Universidad Alfonso X El Sabio.