CAROLINA A. PEDRAZA DÍAZ
Innovative Fintech Onboarding Expert
Usaquén
Summary
With 5+ years of experience in AML/CTF, operational risk and customer onboarding transformation. Proven ability to lead high-performing teams in analyzing complex cases, mitigating risks, and implementing scalable solutions that drive efficiency and compliance. Demonstrated success in delivering E2E projects that modernize onboarding processes through automation, AI tools, and cross-functional collaboration, significantly enhancing user experience. Bilingual (English–Spanish) problem-solver with an MBA and BBA, experienced in building risk strategies, implementing tech-driven controls, and leading strong, growth-focused teams in fast-paced fintech environments.
Overview
8
8
years of professional experience
1
1
Certification
2
2
Languages
Work History
Onboarding Manager LATAM
PayU
10.2023 - Current
- Led the automation of merchant onboarding by integrating vendors and internal systems to meet regulatory and AML/CTF requirements, delivering an automated flow that increased SME conversion by 40% and reduced manual work. Collaborated with Product, Tech, Compliance, Risk, Sales, and UX teams to design scalable, compliant onboarding journeys, while building internal tools, including an automated requirements agent to help sales teams self-manage cases.
Onboarding Leader LATAM
PayU
10.2022 - 10.2023
- Onboarding process management, project management, building strategies, cross-functional teams creation, and incident and control implementation processes
SMB Onboarding Leader
PayU
10.2021 - 11.2022
- Development, implementation, and management of the onboarding process for the Small and Medium Businesses segment in Colombia. Team building, training, and management.
Onboarding Senior Analyst
PayU
08.2020 - 10.2021
- Onboarding for big and high-velocity merchants in LATAM and developing transaction monitoring for Argentina
AML/ ATF Analyst II
SCOTIABANK GBS
10.2018 - 08.2020
- Performing due diligence for Canadian clients
Customer Service Adviser
Convergys
09.2017 - 08.2018
- Providing support for insurance policies, processing, and managing payments, and appeals
Education
MBA – Master of Business Administration - Business Administration and Management
EUDE Business School
11.2022
Bachelor of Business Administration - Business Administration and Management
Universidad Colegio Mayor de Nuestra Señora del Rosario
05.2014
Skills
- Ability to translate complex problems into simple, user-friendly solutions
- Strong ownership and initiative in ambiguous environments
- Long-term vision aligned with business and compliance objectives
- Coaching, mentoring, and professional development
- Ability to build trust, collaborate in multicultural and cross-functional environments
- Facilitation of workshops, training sessions, and alignment meetings
Certification
I’m passionate about business, technology, and innovation, staying active in fintech events and online courses to keep up with AI trends, compliance updates, and industry shifts in LATAM. These experiences help me understand where the market is heading, grow my network, and collaborate with industry peers. I also enjoy continuous learning and am currently teaching myself Portuguese.
Interests
Business, technology and innovation, Crossfit, Bike and Swimming, Healthy Lifestyle and Nutrition, Psychology and mental health
Additional Information
I’m passionate about business, technology, and innovation, staying active in fintech events and online courses to keep up with AI trends, compliance updates, and industry shifts in LATAM. These experiences help me understand where the market is heading, grow my network, and collaborate with industry peers.
Timeline
Onboarding Manager LATAM
PayU
10.2023 - Current
I’m passionate about business, technology, and innovation, staying active in fintech events and online courses to keep up with AI trends, compliance updates, and industry shifts in LATAM. These experiences help me understand where the market is heading, grow my network, and collaborate with industry peers. I also enjoy continuous learning and am currently teaching myself Portuguese.
07-2023
Onboarding Leader LATAM
PayU
10.2022 - 10.2023
SMB Onboarding Leader
PayU
10.2021 - 11.2022
Onboarding Senior Analyst
PayU
08.2020 - 10.2021
AML/ ATF Analyst II
SCOTIABANK GBS
10.2018 - 08.2020
Customer Service Adviser
Convergys
09.2017 - 08.2018
Bachelor of Business Administration - Business Administration and Management
Universidad Colegio Mayor de Nuestra Señora del Rosario
MBA – Master of Business Administration - Business Administration and Management
EUDE Business School