Luís Silvestre

Payments and risk executive with 20+ years across regulated banking, merchant acquiring, financial services and telecommunications, combining operational leadership, risk governance, technology-enabled transformation and multi-country delivery. At Getnet, led a 100+ person Fraud, AML and Back Office organization and helped build a standardized operating model supporting PagoNxt’s international expansion. Experienced in designing operational controls, KPIs/KRIs, escalation protocols, case workflows and automation requirements across business, product, technology, compliance and external stakeholders.

At FICO, advised financial institutions across Latin America on real-time decisioning and operational improvement. Brings a control-minded, data-led approach to operational reliability, scalability, customer outcomes and business resilience.

Business Value Partner - FICO - Brazil, Mexico and Latin America

(2021-05 - 2026-07)

Advised financial institutions across Latin America on fraud decisioning, case-management capabilities and technology-enabled operating improvements, translating business and regulatory priorities into implementable strategies.

• Improved operational decision quality through rule optimization, analytics and automated alert triage; reported outcomes across client institutions included 40% higher fraud detection, 50% fewer false positives, 80% lower manual-review workloads and approximately 30% lower fraud losses.
• Worked with Professional Services and Product to define repeatable execution standards, reference patterns and reusable implementation approaches, reducing delivery variability across regional projects.
• Connected data, models and real-time decision flows to operational requirements, supporting more consistent deployment and faster time-to-value across markets.

Superintendent – Fraud, AML & Back Office Operations - Getnet (Santander / PagoNxt) - Brazil

(2013-10 - 2021-04)

Held superintendent-level responsibility for Fraud, AML and Back Office Operations within a regulated merchant-acquiring and payments business, leading a 100+ person organization through a management team.

• Led Back Office activities spanning payment reconciliation, settlement, merchant payouts, chargebacks/disputes, and financial and operational accounting, with a focus on accuracy, timely execution, exception resolution, and service continuity.
• Standardized operating procedures, workflows, service levels, escalation paths and performance indicators across Fraud, AML and Back Office, supporting operational consistency and scalable execution as PagoNxt expanded internationally.
• Partnered with Product, Technology, Compliance, Finance and business teams to resolve operational issues, strengthen controls, improve processes and translate business requirements into system capabilities and automation opportunities.
• Managed operational performance and control effectiveness across payment operations while balancing fraud prevention, transaction approval, merchant experience and regulatory obligations.
• Oversaw operational risk and financial-crime controls including KYC/KYB/KYT, transaction monitoring, sanctions screening, investigations and suspicious-activity reporting processes; maintained governance and escalation practices across interconnected functions.

Regional Vice President - AssuringBusiness - Brazil, UAE and international markets

(2011-10 - 2013-09)

• Led multi-stakeholder fraud and revenue-assurance programs across regional markets, translating control gaps and business performance challenges into prioritized delivery roadmaps.
• Coordinated assessments, proof-of-concepts and end-to-end reviews, aligning executive stakeholders, delivery teams and operational objectives.

Partner - FML

(2011 - 2011)

Earlier career

Business Development - FBM Educação

(2009 - 2010)

Earlier career

Security & Fraud Control - Redecard

(2007 - 2009)

Earlier career

Security & Investigative Services - Citigroup

(2006 - 2007)

Earlier career

Revenue Assurance - TIM Brasil

(2001 - 2006)

Earlier career

Fraud Management - Vesper / Bell Canada

(2000 - 2001)

Earlier career

Fraud Management - Claro Brasil

(1998 - 1999)

Earlier career

Fraud Management - CSU CardSystem

(1994 - 1998)

Earlier career

Professional Master’s - Administration - UNICENP, Curitiba

Information Technology - UNIB, São Paulo