Martin Decena

Digital and AI transformation leader with 10+ years of experience across financial services, advising senior stakeholders on digital evolution strategies, AI-enabled operating models, and data-driven growth initiatives across multi-market portfolios Latin America. Proven track record designing digital roadmaps, conducting maturity assessments, and implementing scalable automation solutions that optimize P&L performance and operational efficiency within regulated environments. Experienced in aligning Product, Risk, Technology, and Commercial teams to deliver digital-native capabilities with strong executive presence and regional leadership experience.

Technology & Transformation Senior Manager at Scotiabank (2025-01 – Present)

Lead enterprise-wide digital and AI-enabled transformation initiatives across multiple banking portfolios

• Lead enterprise-wide digital and AI-enabled transformation initiatives across Retail, Small Business, Corporate and Commercial Banking portfolios, aligning operating model redesign with growth and P&L optimization objectives
• Conduct digital maturity assessments and define AI adoption roadmaps across several Business Lines
• Deploy AI-driven automation and analytics solutions improving end-to-end efficiency by 30%+, reducing operational costs and enhancing customer experience
• Advise senior executives on digital investment prioritization, performance trade-offs, and scalable transformation strategies
• Partner cross-functionally with Product, Risk, Marketing, Sales and Technology teams to design and implement digital-native capabilities
• Ensure compliance with data governance, privacy, and responsible AI standards within regulated financial services environments
• Standardize digital transformation methodologies to scale best practices across business units

Lending Regional Strategy and Governance Senior Manager at Scotiabank (2023-03 – 2025-01)

Led multi-country growth, governance and digital enablement strategy across Latin American portfolios

• Led multi-country growth, governance and digital enablement strategy across Latin American portfolios, integrating several Business Lines
• Developed standardized strategic frameworks optimizing credit performance, revenue growth, and risk mitigation across regional markets
• Delivered executive-level advisory insights influencing portfolio allocation, pricing strategy, and digital channel optimization
• Drove cross-market replication of digital best practices and performance governance frameworks
• Collaborated with risk, product, and commercial leaders to align strategic execution with regulatory and operational requirements

Mortgage Processing Manager at Scotiabank (2020-08 – 2023-03)

Directed end-to-end mortgage portfolio operations across Canadian markets

• Directed end-to-end mortgage portfolio operations across Canadian markets, leading 50+ FTEs within a regulated environment
• Implemented performance governance frameworks improving throughput and productivity by 30%+, exceeding SLA and revenue targets
• Identified digital enablement opportunities to streamline workflows and enhance client experience across the lending lifecycle
• Partnered with risk and compliance teams to ensure operational alignment with regulatory standards and portfolio profitability objectives
• Introduced data-driven performance dashboards supporting executive visibility and decision-making

Master Of Finance in Finance, Economics, Administration – Eude Business School

Product Management Certification in Product Management – York University (2026-02)

Business Process Management Certification in Business Process Management – University Of Toronto (2025-01)

International Business Degree in International Business Management – Unapec (2017-01)