• Digital Transformation Made Simple

  • About Us

    Our goal is to serve financial institutions in their digital transformation journey. We work with them to reach the right path, redefining their business by leveraging the newest digital technologies to create exponential revenue streams.

  • Industry Challenges

    Today’s financial institutions find themselves in a rapidly changing and increasingly digital environment. Competing with new entrants that innovate much faster and more efficiently translates into a serious need of a fundamental change in the way traditional financial institutions operate and develop new businesses.

  • What We Do

    We work with financial institutions all around the world to help them find the right solutions to current industry challenges.


    We combine our clients’ business objectives and current trends by

    connecting them to the right FinTechs and executing a unique strategy. We focus on

    transforming our clients into exponential businesses.


    “Forward”, our proprietary platform, seamlessly connects our clients with FinTech solutions from around the world.


    As the FinTech industry rapidly evolves, we continue providing our clients with relevant solutions to their businesses.


    Our investment arm, a&b Ventures, provides our clients with access to FinTech investment opportunities.

  • Our Team

    Jorge Ruiz M

    Founder and CEO

    Jorge is the Founder and CEO of Above & Beyond. With more than 25 years of experience in the financial sector, Jorge has seen firsthand how much the industry has changed. He worked at Citigroup for 18 years, where he led their efforts to become a global leader in the fintech industry by defining a digital transformation strategy, launching the first global virtual accelerator, and hosting 16 programs and implementing more than 50 solutions worldwide. Jorge also has founded and led businesses in the investment, insurance, and retail industries; and is a founding member of ChallengeMeNow, a social network dedicated to personal achievement while helping charity organizations raise funds. Jorge holds a degree in Finance from the University of Texas.

    Alejandro Nino

    Co-Founder and COO

    Alejandro is the Co-Founder and COO of Above & Beyond. Throughout his more than 20 years of legal experience in the financial sector, Alejandro has managed a number of mergers, acquisitions, private equity, and capital market transactions. Alejandro has worked at RSA, Citigroup, Clifford Chance, S.C. Johnson & Son, Baker & McKenzie, among others; and has served as a board member for several companies. Alejandro holds a Master of Law degree from the University of Pennsylvania Law School.

    Mauricio Lorenzetti

    Co - Founder and CTO

    Mauricio has 30+ years of experience transforming organizations with newest technologies, revolutionary processes, business capabilities, and exponential team productivity. He has extensive experience in design, development, and implementation of global customer-centric solutions and with multicultural team leadership. His portfolio is composed by over 140 strategic initiatives at IBM, Citibank, FedEx, Shinsei Bank, Singapore Airlines, amongst others.

    Martijn van Rooij

    CFO and Business Development Head

    Martijn is an early adept of crypto-currencies and is well connected in the blockchain community in Latin America. As an advanced user and investor he tested numerous products for storage, trading and payments, using Bitcoin and Ethereum. Before a&b, Martijn spent over two decades at Citigroup. As Risk Manager and Senior Credit Officer he analyzed hundreds of companies and as Administrator and Lean Six Sigma Black Belt he managed an extensive virtual team and improved several global processes. He holds a Master’s in Finance (Cum Laude) from Rijksuniversiteit Groningen and is currently focused on completing a Master’s Degree in Digital Currency from the University of Nicosia. Martijn speaks five languages.

    Pablo Martinez

    Entrepreneur Fellow

    Pablo is currently the Founder of Trns, a money-free ridesharing system designed to facilitate transportation for college students who commute to campus. While in college, Pablo's entrepreneurial spirit led him to create several ventures in industries ranging from confections to waste removal. He recently graduated Magna Cum Laude from Florida State University with a double major in Entrepreneurship and Management Information Systems.

    Jorge Javier Eguino

    Startup and Ecosystem Developer Lead

    Jorge Javier Eguino is an Analyst at a&b. Prior to joining the team, he focused his career on international business, micro finance and dedicated his time to rescued animals from illegal trafficking. Jorge has a BSBA Cum Laude in Business Economics from the University of Arkansas. He is fluent in Spanish, English, and German.

    Sherezade Rodriguez

    Project Manager and Marketing and Communications Head

    Shere is an experienced marketer and passionate philanthropist. She has been part of the startup ecosystem for the last 5 years supporting entrepreneurs in developing strategic marketing, branding and integration capabilities. Shere's expertise in the startup/accelerator arena comes from her engagement with Startupbootcamp (a globally recognized accelerator) and their launch of their accelerator in Miami. She is fluent in Spanish and English.

    Alejandra Perez

    Project Manager

    Alejandra is a serial entrepreneur with experience in launching and managing businesses in the franchise, textile and communication industries. Alejandra worked at Citibank Bolivia in the corporate banking and trade funding departments. Prior to joining Citi, she was an economic analyst in Provida Funding Pension Agency in Chile and an economic research analyst in the Central Bank of Bolivia. Alejandra holds a degree in economics from the Pontificia Universidad Católica de Chile and has a Master’s degree in Macroeconomics from the same university. She is fluent in Spanish, English and French.

    Catalina Ruiz

    Graphic Designer

    Catalina is a graphic designer in a&b. Currently pursuing a Bachelors in Architecture with a minor in Fine Arts with a focus in Electronic Media Design at the University of Miami. In previous years, she has collaborated with both renowned international and local artists. Through her studies in graphic design and architecture, Cata has realized an interdisciplinary understanding of aesthetics in terms of branding and information hierarchy. She is fluent in English, Spanish and intermediate in American Sign Language.