# Daniel Concepcion

Canonical: https://danielconcepcion.com/

CTO and CIO. Global banking and financial services platforms across Europe, the US and Latin America.

Madrid / Boston / Mexico City

## About

I am a global technology executive, CTO and CIO in banking and financial services, with 25+ years leading large-scale technology organisations.

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

Jan 2024–Present · Madrid

Deputy T&O Global Head, Retail & Commercial · Deputy Head, Open Digital Services

### Santander Mexico

Jan 2020–Jan 2024 · Mexico City

Chief Technology Officer (CTO, DGA) · Management Committee

### Santander Mexico

Aug 2019–Feb 2020 · Mexico City

Chief Information Officer (CIO, Executive Director)

### Santander Bank N.A.

Sep 2016–Nov 2019 · Boston

SVP, Head of IT Engineering

### Santander Group

Sep 2015–Dec 2016 · Madrid

Global Head of Platform Engineering

### Earlier roles

1999–2015

IT Managing Director and IT Manager at Produban (Santander), Madrid. IT Consultant at Banesto. Network Engineer at Intelideas.

### Education

- Computer Science studies, Universidad de Las Palmas de Gran Canaria.
- MBA, Universidad Alfonso X El Sabio.

## What interests me now

### AI-native banking

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

### The unit economics of cloud at scale

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

### Platform organisations under a moving regulatory perimeter

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

## Contact

Always happy to talk to people working on the same problems.

- [contact@danielconcepcion.com](mailto:contact@danielconcepcion.com)
- [LinkedIn](https://www.linkedin.com/in/danielconcepcion/)
- [MyPublicInbox](https://mypublicinbox.com/DaniConcepcion)