At American Express, Guillermo Lopez overhauled a historically allocated $700M annual investment budget by building a data-driven ROI model that merged financial, platform, and customer data. The reallocation redirected capital to higher-return markets, generating an estimated $30M in incremental annual revenue—compounding year over year.
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Now Watch the Complete Episode Featuring CFO Guillermo Lopez of DLocal
Now Watch the Complete Episode Featuring CFO Guillermo Lopez of DLocal
Guillermo Lopez traces a nontraditional path from engineering and IT consulting into finance after earning an MBA in Chicago. At American Express, he pursued breadth across FP&A, pricing, and regional roles, learning to be data-driven and comfortable deciding with imperfect information. A formative assignment with Visa’s acquired fintech Tink taught him speed, client centricity, and operating without big-company support. Now as CFO of dLocal, he balances growth with compliance, FX, and settlement complexity across emerging markets, prioritizing cash conversion, disciplined capital allocation, and practical AI use in reconciliation and analysis. He also stresses seeking perspectives from unexpected stakeholders before calls.
| CFO’s Strategy Playbook |
|---|
| • Merge customer data with financial allocation |
| • Decide fast, even with imperfect information |
| • Invest in AI to tame complexity |