Leadership
Two principals, two careers spent inside the work rather than beside it. The people you meet are the people who do the work.
Wilfredo “Willy” Jauregui — Chief Executive Officer
Willy has spent 45 years in banking, payments and financial services, most of it responsible for running operations rather than advising on them, including eight years as a chief operating officer in high-volume, regulated environments.
He has led large, geographically distributed operating teams, built products and processes, managed strategic bank and vendor relationships, and supported acquisitions and integrations. His work has consistently come back to the questions that decide whether an operation works: what a transaction actually costs, how long it really takes, where the manual steps are, and how to remove them without weakening the controls around them.
His perspective comes from having worked through several generations of change in this industry, from traditional bank and credit processing to electronic payments, real-time rails, automation and applied artificial intelligence. That range is why he is as willing to tell a client a technology is not worth it yet as he is to help them implement one.
He holds a Master of Science in Management Information Systems and completed the Bank Operations Executive Program at The Ohio State University. He is a certified AI consultant and holds artificial intelligence certifications from IBM and Kennesaw State University. He has served multiple terms as President of the South Florida Banking Institute, is a United States Marine Corps veteran, and serves on the ADA Advisory Board for the City of Coral Gables.
Areas of experience
- Banking operations and treasury
- Payments, remittances and money movement
- Accounts receivable, collections and settlement
- Check processing and check-risk management
- Card processing and merchant acquiring costs
- Bank and strategic vendor relationships
- Process automation and applied artificial intelligence
- Risk, compliance and examination readiness
- Building and leading operations teams
Lourdes Jauregui — Chief Operating Officer
Lourdes spent nearly three decades in Miami banking as a lender, which in practice means she spent nearly three decades on the side of the desk where a client either feels handled or feels processed. That distinction is her specialty, and it is what she brings to Advisory Services.
She originated and closed residential and commercial loans across institutions of very different sizes, from locally owned community banks to national institutions many times larger, and for a clientele just as varied — foreign nationals, privately held and family-owned companies, small business owners, professionals and individual borrowers. Each brought a different documentation profile, a different pace and a different set of expectations. Meeting all of them well is a discipline, not a personality trait.
She knows precisely where a process frustrates a customer, because she has spent a career absorbing that frustration personally and then going back to fix the step that caused it. She has trained and mentored junior loan officers on the same ground: how to set expectations honestly, how to communicate when there is nothing new to report, and how to keep a client after the transaction closes.
As Chief Operating Officer she owns how Advisory Services works with its clients day to day — engagement execution, communication standards, responsiveness, and the operating discipline that keeps a small firm reliable. She also leads client experience assignments, where the work is usually less about technology than about turnaround time, clear expectations and removing the steps that make a customer feel like an inconvenience.
Areas of experience
- Customer experience design and service standards
- Client relationship management and retention
- Origination and transaction workflow, application to close
- Turnaround time and process bottleneck removal
- Client communication standards and expectation setting
- Residential and commercial lending
- Community, regional and national bank environments
- Referral and business development channels
- Training, mentoring and service coaching