I'm a Digital Technology Leader with 20+ years driving banking transformation and delivering high-impact IT solutions. I recently relocated to Hamilton, New Zealand and am pursuing a Master of Applied Information Technology at Wintec, aiming to complete in November 2026, while seeking opportunities in digital project management and technology delivery. My track record includes leading projects that generated PHP 1.5B+ in value, delivering a 105% increase in digital account openings, and reducing delivery timelines by 20%. I have deep expertise in e-channels, mobile banking, and card payment systems, and I excel at building high-performing, cross-functional teams, mitigating risk, and delivering value through agile and Six Sigma practices.

Ray Cartore

I'm a Digital Technology Leader with 20+ years driving banking transformation and delivering high-impact IT solutions. I recently relocated to Hamilton, New Zealand and am pursuing a Master of Applied Information Technology at Wintec, aiming to complete in November 2026, while seeking opportunities in digital project management and technology delivery. My track record includes leading projects that generated PHP 1.5B+ in value, delivering a 105% increase in digital account openings, and reducing delivery timelines by 20%. I have deep expertise in e-channels, mobile banking, and card payment systems, and I excel at building high-performing, cross-functional teams, mitigating risk, and delivering value through agile and Six Sigma practices.

Available to hire

I’m a Digital Technology Leader with 20+ years driving banking transformation and delivering high-impact IT solutions. I recently relocated to Hamilton, New Zealand and am pursuing a Master of Applied Information Technology at Wintec, aiming to complete in November 2026, while seeking opportunities in digital project management and technology delivery.

My track record includes leading projects that generated PHP 1.5B+ in value, delivering a 105% increase in digital account openings, and reducing delivery timelines by 20%. I have deep expertise in e-channels, mobile banking, and card payment systems, and I excel at building high-performing, cross-functional teams, mitigating risk, and delivering value through agile and Six Sigma practices.

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Language

English
Fluent

Work Experience

SAVP – Digital Tech Delivery Lead at Security Bank Corporation
June 1, 2025 - October 10, 2025
Oversee planning, execution, and delivery of digital projects across cross-functional teams; ensure alignment with business goals; manage end-to-end delivery lifecycle and risk mitigation; drive continuous improvement and vendor collaboration.
AVP – Program & Project Manager at Security Bank Corporation
January 1, 2023 - October 10, 2025
Oversee planning, execution, and delivery of complex technology programs; manage cross-functional teams, budgets, and timelines; ensure alignment with business objectives and proactive risk/issue management.
AM – Systems Implementation Officer at Planters Development Bank
July 1, 2014 - October 10, 2025
Assess existing systems, evaluate new technologies, and optimize access parameters; deploy IT systems; provide post-implementation support and cross-functional collaboration to ensure successful adoption.
JAM – Corp . Loans Supervisor at East West Banking Corporation
September 1, 2012 - October 10, 2025
Oversee corporate loans processing; expand team capacity; ensure compliance with policies; monitor performance and maintain quality of service.
JAM – Credit Control Head at East West Banking Corporation
March 1, 2011 - October 10, 2025
Establish and lead the Credit Control Unit; develop policies and procedures; implement centralized credit limit and exposure management systems to support regulatory requirements.
Wholesale Officer at AIG Philam Savings Bank
March 1, 2010 - October 10, 2025
Oversee credit line facilities for key accounts; build stakeholder relationships; streamline processes to improve turnaround times and drive wholesale sales growth.
Associate – Teller & Head Office Operations at Philippine National Bank
March 1, 2009 - October 10, 2025
Manage teller and new accounts operations; drive IT integration for process improvements; maintain high accuracy and regulatory compliance in daily transactions.
SAVP – Digital Tech Delivery Lead at Security Bank Corporation
June 1, 2025 - October 10, 2025
Oversee planning, execution, and delivery of digital projects; manage cross-functional teams; drive technical solutions; ensure timely, on-budget delivery; align with strategic objectives and define scope with stakeholders; implement risk mitigation and continuous improvement.
AVP – Program & Project Manager at Security Bank Corporation
January 1, 2023 - October 10, 2025
Oversee planning, execution, and delivery of large technology programs; manage cross-functional teams, budgets, and timelines; ensure programs deliver on business objectives with proactive risk and issue management.
AM – Systems Implementation Officer at Planters Development Bank
July 1, 2014 - October 10, 2025
Assess existing system functionalities, evaluate new technologies, lead deployments, and provide post-implementation support; collaborate with IT and PM to optimize access parameters and translate process improvements into effective business solutions.
JAM – Corp. Loans Supervisor at East West Banking Corporation
September 1, 2012 - October 10, 2025
Oversee daily corporate loans processing; ensure compliance with internal policies and regulatory requirements; monitor performance and SLAs; drive efficiency and accuracy in processing.
JAM – Credit Control Head at East West Banking Corporation
March 1, 2011 - October 10, 2025
Credit risk management; establish and lead the Credit Control Unit; develop operating procedures; implement centralized credit limit and exposure management; ensure regulatory compliance.
JAM – Wholesale Officer at AIG Philam Savings Bank
March 1, 2010 - October 10, 2025
Credit line management; maintain relationships with dealerships and corporate clients; conduct risk assessment and monitoring; streamline credit line approvals.
Associate – Teller & Head Office Operations at Philippine National Bank
March 1, 2009 - October 10, 2025
Oversee teller and new accounts operations; collaborate with IT for channel management and process improvements; drive accuracy and efficiency in transactions.
SAVP – Digital Tech Delivery Lead at Security Bank Corporation
January 1, 2023 - Present
Oversee planning, execution, and delivery of digital projects; lead cross-functional teams; define scope and requirements; manage risks and vendors; delivered eKYC onboarding and achieved project savings. Implemented agile PM framework to shorten delivery timelines and improved cross-functional collaboration for faster feature delivery.
AVP – Program & Project Manager at Security Bank Corporation
July 1, 2014 - January 1, 2023
Oversee planning, execution, and delivery of technology programs; manage cross-functional teams, budgets, and timelines; ensure alignment with business objectives and regulatory requirements.
AM – Systems Implementation Officer at Planters Development Bank
September 1, 2012 - July 1, 2014
Assess existing system functionalities and evaluate new technologies; collaborate with ITCD and PM to optimize access parameters; lead deployment and post-implementation support.
Corp. Loans Supervisor at East West Banking Corporation
March 1, 2011 - September 1, 2012
Oversee corporate loans processing operations; ensure compliance with policies and SLAs; drive process improvements and performance management.
Credit Control Head at East West Banking Corporation
March 1, 2010 - March 31, 2011
Establish and manage the Credit Control Unit; implement credit limit and exposure management systems; develop SOPs for credit control functions.
Wholesale Officer at AIG Philam Savings Bank
May 1, 2009 - March 31, 2010
Manage credit lines for Ford Group Philippines and Mazda; streamline credit line approvals and monitor credit exposure.
Associate – Teller & Head Office Operations at Philippine National Bank
July 1, 2004 - March 31, 2009
Oversee teller and new accounts operations; collaborate with IT teams to implement tech-enabled process improvements; ensure accuracy and regulatory compliance.
JAM – Corp. Loans Supervisor at East West Banking Corporation
March 1, 2011 - September 1, 2012
Oversee daily corporate loans processing, ensure compliance with policies and SLAs, monitor performance, and drive productivity improvements.
JAM – Credit Control Head at East West Banking Corporation
March 1, 2010 - March 1, 2011
Establish and manage credit control policies, lead the department, monitor portfolios, and report on exposures and recovery efforts.
JAM – Wholesale Officer at AIG Philam Savings Bank
May 1, 2009 - March 1, 2010
Manage credit line facilities for key corporate accounts, maintain relationships with dealerships and clients, conduct risk assessments and monitor credit exposure.

Education

Master of Applied Information Technology at Wintec - Waikato Institute of Technology, New Zealand
January 11, 2030 - November 1, 2026
Bachelor in Banking and Finance at Polytechnic University of the Philippines
January 11, 2030 - October 10, 2025
Master of Applied Information Technology at Wintec - Waikato Institute of Technology
January 11, 2030 - November 1, 2026
Bachelor in Banking and Finance at Polytechnic University of the Philippines
January 11, 2030 - October 10, 2025
Bachelor in Banking and Finance at Polytechnic University of the Philippines
January 11, 2030 - February 8, 2026
High School at Central Colleges of the Philippines
January 11, 2030 - February 8, 2026
Master of Applied Information Technology at Wintec - Waikato Institute of Technology
January 11, 2030 - November 1, 2026
Bachelor in Banking and Finance at Polytechnic University of the Philippines
January 11, 2030 - February 8, 2026

Qualifications

Professional Scrum Master 1
January 11, 2030 - October 10, 2025
SAFe 6 Practitioner
January 11, 2030 - October 10, 2025
Six Sigma Yellow Belt
January 11, 2030 - October 10, 2025
ITIL Foundation
January 11, 2030 - October 10, 2025
IT Project Management
January 11, 2030 - October 10, 2025
Career Service Professional
January 11, 2030 - October 10, 2025
Professional Scrum Master 1 (PSM I)
January 11, 2030 - October 10, 2025
SAFe 6 Practitioner
January 11, 2030 - October 10, 2025
Six Sigma Yellow Belt
January 11, 2030 - October 10, 2025
ITIL Foundation
January 11, 2030 - October 10, 2025
Professional Scrum Master 1 (PSM1)
January 11, 2030 - February 8, 2026
Certified SAFe 6 Practitioner
January 11, 2030 - February 8, 2026
Six Sigma Yellow Belt
January 11, 2030 - February 8, 2026
ITIL Foundation IT Service Management
January 11, 2030 - February 8, 2026
Project Management Institute Certification
January 11, 2030 - February 8, 2026
Professional Scrum Master 1 (PSM I)
January 11, 2030 - February 8, 2026
SAFe 6 Practitioner
January 11, 2030 - February 8, 2026
Six Sigma Yellow Belt
January 11, 2030 - February 8, 2026
ITIL Foundation
January 11, 2030 - February 8, 2026
IT Project Management
January 11, 2030 - February 8, 2026
Career Service Professional
January 11, 2030 - February 8, 2026

Industry Experience

Financial Services, Software & Internet, Professional Services