VICTOR RA U L OCH OA ORELLANA

Senior Product and Technology Executive

San Salvador, El Salvador, GMT-6

contact@raulochoa.com

About

Senior Product and Technology Executive with 20+ years of experience leading large-scale digital transformation initiatives across banking, payments, and e-commerce ecosystems in LATAM. Currently serving as Founding Consultant at OuttaLocal, designing the technology solution and the commercial product. As AVP at Citigroup, driving architecture strategy and portfolio execution for regional Payments & Receivables platforms. Proven track record of modernizing mission-critical financial systems, aligning regional platforms with global standards, and improving system resilience, scalability, and regulatory compliance. Experienced in leading cross-functional teams, managing complex portfolios, and delivering high-impact technology strategies in high-volume transaction environments. Combines executive leadership with deep technical expertise to deliver secure, scalable, and business- aligned digital platforms.

Experience

Jan 21 – May 26

Product Manager & Application Manager (AVP) | Services - Global Payments & Receivables at Citi

Lead architecture strategy and portfolio execution for Payments & Receivables platforms across LATAM, overseeing modernization initiatives for 30+ mission-critical applications.

  • Directed large-scale modernization of legacy ACH and payment systems across Central and South America, improving platform scalability and operational resilience.
  • Led Agile and DevOps transformation initiatives, accelerating delivery cycles and improving deployment consistency across regional platforms.
  • Ensured full alignment with global technology standards and regulatory requirements, strengthening compliance posture and reducing operational risk and audit findings to zero.
  • Orchestrated cross-functional collaboration between business, product, and engineering teams to align technology delivery with strategic business objectives.
  • Drove adoption of secure-by-design principles, enhancing system security and reducing vulnerabilities across the application portfolio.
Jan 17 – Dec 20

TTS Latam Application Manager | Treasury and Trade Solutions (LATAM Portfolio) at Citi

  • Managed the full application lifecycle for a regional portfolio, driving path-to-compliance for all enterprise standards and policies.
  • Executed critical technology initiatives and global strategies to optimize performance in high-volume transacting environments.
Jul 12 – Dec 16

GCG Internet Projects Dev Coordinator (CCA Cluster) | Touchpoints and Digital Channels at Citi

  • Managed local application development and integration for regional solutions including JFP, Eclipse, and E-Delivery.
  • Oversaw technical touchpoint development and web projects across the Caribbean and Central America cluster, delivering secure and reliable digital banking experiences.
  • Led the development of customer facing internet applications for SISA, the insurance company owned by Citi in that moment.
Oct 02 – Jun 12

IT Head / Solution Architect at Compramerica Inc

Led architecture and engineering for multinational e-commerce and financial transaction platforms operating across 12 countries.

  • Designed and implemented high-volume transactional systems leveraging ISO 8583 for secure financial processing
  • Architected scalable infrastructure supporting regional e-commerce platforms and loyalty programs
  • Led end-to-end system design, from infrastructure to application layers, ensuring performance and reliability at scale
  • Enabled expansion of digital commerce capabilities across multiple markets.

Education

Jan 26 – Now

Universidad Tecnológica de El Salvador

Specialization in Cybersecurity Engineering

Jan 12

Universidad Tecnológica de El Salvador

Systems and Computing Engineering

Jan 99

EDUMATIC

Digital Graphic Designer

Jan 98

Centro Profesional de Computación

Programmer Technical Analyst

Projects

Jan 26 – Now

OuttaLocal

Founding Consultant for the conceptualization of the Technology Solution, Infrastructure and Architecture for Deployment as a Service. Design and strategy of commercial product

Jan 26 – Now

OMBudget

Conceptualized and developed a finance application as a proof of concept for modern API architecture (GraphQL, Apollo) and cloud-native automation on Oracle Cloud Infrastructure, exploring scalable data access patterns and service design

Jan 19

SERFINSA

Designed and implemented a secure payment gateway integration for regional transaction processing, enabling e-commerce platform expansion

3Corp

Provided architectural consulting on infrastructure and software design strategy, supporting scalable and resilient system design

Jan 13

IPSFA

Led migration from Microsoft Exchange to an open-source messaging platform, improving cost efficiency and operational flexibility

Jan 04

Claro / Rescatel

Designed and implemented an emergency response coordination system for ambulance and roadside assistance services

Skills

CORE LEADERSHIP & EXPERTISE

Executive LeadershipStrategic PlanningPortfolio & Program ManagementOrganizational LeadershipStakeholder ManagementRegulatory AlignmentChange TransformationDigital TransformationPlatform ModernizationPayments ArchitectureEnterprise ArchitectureSecure-by-Design Systems

Financial Systems & Domain Expertise

Payments & ReceivablesTransaction ProcessingISO 8583SWIFTHigh-Volume Banking SystemsFinTech Platforms

Architecture & Engineering

MicroservicesAPI Strategy (REST, GraphQL)Distributed SystemsEvent-Driven ArchitectureLegacy Modernization

Data & Integration

Streaming & Messaging (Kafka, RabbitMQ, IBM MQ)Data Integrity & PerformanceSystem Integration

Languages

Spanish (Native)English (Fluent)
Curvit