Daniel Concepcion

Daniel
Concepcion

Global banking technology executive. CTO & CIO.

Madrid / Boston / Ciudad de Mexico

About

I am a technology leader at Santander Group as Deputy T&O Retail & Commercial Global Head.

Most of my career has been about taking technology organisations through change. I have launched banks in new markets, rebuilt operating models to materially reduce cost and improve resilience, and moved large engineering organisations from monolithic systems onto cloud-native platforms. I have done this across Madrid, Boston and Mexico City, with teams of up to 3,000 people.

Experience

Santander Group
2024 – Present
Deputy T&O Global Head, Retail & Commercial · Deputy Head, Open Digital Services
Madrid
Santander Mexico
2020 – 2024
Chief Technology Officer (DGA) · Management Committee
Mexico City
Santander Mexico
2019 – 2020
Chief Information Officer (Executive Director)
Mexico City
Santander Bank N.A.
2016 – 2019
SVP, Head of IT Engineering
Boston
Santander Group
2015 – 2016
Global Head of Platform Engineering
Madrid
Earlier · 1999–2015. IT Managing Director and IT Manager at Produban (Santander), Madrid. IT Consultant at Banesto. Network Engineer at Intelideas. Computer Science at Universidad de Las Palmas de Gran Canaria; MBA, Universidad Alfonso X El Sabio.

What interests me now

01
AI-native banking How banks are rebuilt, not retrofitted, around AI across the front-to-back stack.
02
The unit economics of cloud at scale What resilient, cloud-native platforms really cost, and what they return, at tens of millions of customers.
03
Platform organisations under a moving regulatory perimeter What technology organisations look like when the rules keep changing under them.