Across four institutions and twenty years — a consistent pattern:

-52%
Process cycle times
-41%
Fraud-related losses
+25%
Fee income above target
-53%
Overtime costs
1.15x
NPS (above benchmark)
100%
SLA compliance

Previously — BN Valores (CEO)

+56%
ROAE improvement
1.13 → 0.77
Efficiency ratio
~2x
NPS over world-class
Top Decile
McKinsey OHI — LATAM
“I was very impressed by BN Valores’ well-structured approach to linking strategy with day-to-day operations. It is a great best practice to learn from, particularly because it turns strategic priorities into clear actions and measures results across social, economic, and environmental outcomes.”
Dr. Robin Mann — Chairman, International Best Practice Competition

Executive thesis

“The distance between what a board approves and what actually happens is almost always a governance problem. I build the leadership architecture that closes it.”

— Melvin Garita

Cases

Four leadership stories with measurable outcomes — from turning around a struggling brokerage to building high-performance operations at a USD 17 billion institution.

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Approach

Executive convictions, a disciplined management system, and the leadership architecture that connects strategic intent with institutional performance.

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Thoughts

Interviewed on CNN en Español, published in El Financiero and La República, and cited in La Nación. Perspectives on how financial institutions create and destroy value.

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About

Twenty years across four institutions — from turning around a struggling brokerage to building high-performance operations at Central America’s largest bank. The constant: governance, accountability, and disciplined institutional leadership.

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4
Institutions
transformed
USD 17B
Assets under institutional
management
1,700+
Employees under
direct oversight
3
Board
directorships