Mario Hernández is founder and CEO of IMPESA, an electronic payments solutions company and creator of Monibyte, an innovative SaaS corporate payments platform, and a principal member and issuer of Visa and MasterCard credit cards.

In January 2015, less than a year after Monibyte was released, he received an international award for Best Innovation in Retail and Commercial Banking and was interviewed at the London Stock Exchange.

Mario is an expert in payments solutions focusing on new technologies and innovation. He has had a successful trajectory of more than 16 years in the financial sector in several countries, including the United States, Canada, Mexico, Central America, South America and the Caribbean. In 2008, he was transferred to Canada and appointed Credit Cards Director for Latin America and the Caribbean at the corporate offices of Scotiabank Toronto.

Mario completed his undergraduate studies at ITESM in Monterrey, Mexico, obtaining a degree in industrial and systems engineering. He earned his MBA from Bryant University in 1997, and in 2008 he completed the Advanced Management Program at Harvard Business School. He has been a teacher at the level of graduate studies in several universities and has been invited to participate in lectures, conferences and training courses internationally, including in Mexico, Guatemala, El Salvador, the United States, Chile, Canada and Kazakhstan. He has published numerous articles in leading financial newspapers and magazines, and was recognized as an outstanding 40 Under 40 Leader by El Financiero in 2008.

Prior to establishing Pragma Legal as a Founding Partner, Carlos Hernández-Aguiar was Founding Partner of FH Legal (2012), previously Facio Abogados (2001), and a Founding Partner, and Partner at Guardia, Cubero & Facio (1998-2001).

His practice focuses on foreign investment advisory, counseling multinational companies in their establishment and operations in Costa Rica. He advises developers, promoters and purchasers on all aspects of commercial and residential real estate, including planning, development, financing and transaction structuring. Centered on shoreline zone development, condominiums and hospitality and leisure schemes, Carlos also counsels leading companies in the hospitality industry on corporate and labor matters.

Carlos is a prominent attorney, visionary entrepreneur and Co-Founder, Partner and Board Member of two companies from the financial sector. He is also Partner and Board Member in several real estate development projects in San José, Alajuela, Central and North Pacific.

Johnny Robles is a strategic information technology executive with over a decade of experience in IT services within the banking industry. Prior to joining Impesa, Johnny was CIO at Banco Lafise Costa Rica in charge of all the IT operations, projects and innovation.
Stewart has extensive experience in corporate finance and investment banking across the Financial Services, Consumer Products, Healthcare and Real Estate industries. He has built his career around a passion for helping leaders understand their business potential through the development of insightful analytics and financial planning. Having fulfilled key financial planning and analysis (FP&A) roles for both private and public companies, Stewart has expertise spanning across multiple financial disciplines including strategic planning, treasury, business development, financial analysis, and investment banking.

Prior to joining Impesa, Stewart served in numerous positions including Director of Finance for a Top 50 US homebuilder as well as on the financial management team for large multinational companies including Johnson & Johnson and Coty Inc, both members of the S&P 500 Index. Throughout his career Stewart has raised over $150 million in capital to fund the growth of businesses as well as developed strategic plans and analytical tools to help companies both large and small achieve their growth and profitability goals.

In addition to his work in corporate finance, Stewart has also spent time as an Associate in Investment Banking for Houlihan Lokey and Triad Capital. Currently an Associate with Triad Capital, Stewart provides advisory services to businesses on corporate finance, business valuations, mergers & acquisitions, exit strategy planning and capital raising. During his time in banking Stewart has developed pitch materials for transactions valued over $2 billion and lead the financial due diligence for over 65 different investments in real assets.

Outside of general finance, Stewart has developed single-family residential communities, invested in commercial real estate and served as Founder and Managing Member of a Florida based Insurance Brokerage.

From Long Island, New York, Stewart spent 18 years playing competitive hockey including Division 1 college hockey. Stewart received his BBA in Finance from the University of Notre Dame and is also a graduate of the Johnson & Johnson Finance Leadership Development program. He is a Level III CFA Candidate, has his Series 65 FINRA registration as well as a Florida Real Estate license.

kHyal is an award-winning creative director, strategist, designer, writer and marketing executive. She has extensive experience working with national and international brands, corporations and agencies in the US, UK, Canada, Argentina, Germany and Costa Rica in technology, healthcare, education/digital publishing, finance, non-profit and consumer product verticals.

kHyal is currently President at fiZz Agency, and has held the positions of Chief Creative Officer at Metropolitan interactive; Creative Director at Havas Worldwide, NetKey and Microtech international; and Vice President of Marketing at blowtorch studios and SunStar interactive. Her client roster spans a wide range of brands and corporations including: Pitney Bowes, Sharp Electronics, Xerox, Lexmark, Konica Minolta, ProLabs, MTV, Showtime Networks, GAP, BMW, UPS, Diageo, Datto, LVMH Moët Hennessy Louis Vuitton SE, Deutsche Bank, Black&Decker, UBS Investment Bank, Whitney Museum of American Art and Carnegie Mellon University.

kHyal has served on the MIT Enterprise Forum of New York City’s Marketing Committee; co-chaired the Fundraising Committee of Volunteer Lawyers for the Arts, Los Angeles; and was an active member of the Connecticut Technology Council’s Vice President of Marketing Forum. She was a juror for the London Interactive Advertising Awards, a judge for Hasbro’s Project Upcycle Design Awards, served as Communications Chair for the American Institute of Graphic Arts (AIGA) Brand Central Chapter, and is currently on the advisory board of She is a founding member of the Women’s Internet History Project and an active member of the Type Directors Club, Art Directors Club, AIGA/NY and 212NYC in Manhattan.

kHyal majored in Mass Communications at Emerson College in addition to studies at The School of the Museum of Fine Arts, Boston; The Art Institute of Boston; Boston Film and Video Foundation; Loyola Law School; Kodak’s Center for Creative Imaging and FIT.

kHyal is an Adjunct Instructor at Miami Ad School New York where she teaches Product Creation and Innovation; and was an adjunct professor at Anhui Polytechnic University in Wuhu City, China through the Shintaro Akatsu School of Design at University of Bridgeport where she taught Design Thinking and Methodologies.

kHyal’s art and design have been exhibited in the American Visionary Art Museum, Pavilion der Volksbühne–Berlin, New Britain Museum of American Art, la Gaîté Lyrique–Paris, Housatonic Art Museum, City Museum–Washington–DC, Intuit–Chicago, EGGO Arte–Buenos Aires, Cooper Union–New York, Art Basel–Switzerland, and galleries from New York to Los Angeles and London. She has been a contributing writer to Creativepro and Communication Arts magazine.

Speaking engagements and workshops include: FleetBoston Financial’s Women Entrepreneurs’ Connection, Advertising Women of New York (AWNY) Annual Career Conference, Fashion Institute of Technology (FIT), Sacred Heart University, Connecticut Art Directors Club (CADC) Student Conference, The Creative Circus–Atlanta, School of Visual Arts (SVA)–New York, The Grove–New Haven, HOW Design Live–Boston Creative Freelancers Conference, Hygienic Academy, Wakefield Boys and Girls Club, AIGA Rhode Island and The Amistad Center for Art & Culture at The Wadsworth Atheneum.

Manrique holds a degree in Public Accounting and is also a Private Accountant. He has extensive experience in the Banking and Financial Sector in institutions such as Banco Interfín, Scotiabank and Prival Bank. With over 22 years of experience he has held positions in accounting, Management of Planning and Budgeting, Management of Regulatory Information. He has implemented financial processes and has also participated in and coordinated processes of change of technology platform. Impesa Manrique is in charge of the accounting and finance departments, contributing in the improvement, efficiency and control of operational and financial risk mitigators.
Rafael holds a master’s degree in project management and has extensive experience in the software industry, particularly in the financial services market. His experience includes developing new solutions and leading technology-related projects at institutions such as Banco Interfin, Banco Alemán Paraguayo, Scotiabank, Banco de Costa Rica, Coopenae and others.

With 19 years of experience, Rafael has worked in different companies related to the software industry, such as Sysde, ORCASE, and Prosoft. He has held different positions such as programmer, analyst, architect, and director of software development projects. At IMPESA Rafael is responsible for hiring technology staff; license and equipment procurement; and project management on software and hardware technology projects.

Diego is a software engineer and a researcher with over ten years of experience in developing software systems. He is a self-taught expert in the Java, C# and JavaScript programming languages. He is also passionate about emerging technologies and industry trends. Diego was part of the original MONIBYTE platform design as a software architect, and is currently Innovation Manager at IMPESA.

In 2015, Diego served as a professor at the University of Costa Rica where has regularly given workshops and talks to students and professors about issues related to software systems architecture, new trends and programming languages. Prior to 2013, he worked for six years on environmental, social and technological responsibility projects for personal banking and the Costa Rican financial sector’s stock exchange.

Alfonso Jiménez has 25 years of experience as an executive in public and private Banking. He has directed operations and spearheaded projects for numerous entities, and is an expert in client service improvements.

Alfonso’s attention to detail provides a competitive advantage in quality control. During the last three years, he has tended to IMPESA’s regional support, offering critical enhancements in the development and quality of client services.