Daniel Concepcion

CTO and CIO. Global retail and commercial banking platforms across Europe, the US and Latin America.

About

I am a global technology executive, CTO and CIO in banking, with 25+ years leading large-scale technology organisations.

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 (CTO, DGA) · Management Committee
Mexico City

Santander Mexico

2019 – 2020
Chief Information Officer (CIO, 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.

Education. Computer Science studies, 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.