Financial Services: Innovating Under Uncertainty – Key Lessons for CIOs Guillermo Kopp Executive Director and Global Research Fellow, TowerGroup Guillermo is Executive Director and Global Research Fellow at TowerGroup, where he has been advising the financial services industry for six years. Guillermo's advice on a wide range of business and technology trends and directions has influenced fundamental change at leading institutions and vendors. He speaks frequently at industry events and is quoted on strategic topics including customer-oriented innovation, business process improvement, risk management, sourcing, IT governance, and information technology architectures. Prior to joining TowerGroup, Guillermo served for 16 years in Citigroup in diverse information technology and business process leadership roles. Guillermo’s accomplishments in New York included the Private Bank, Corporate Quality Office, and global technology services. He worked first as regional technology manager for Latin America serving 21 countries, and had led the transformation of the payments system in Saudi Arabia. His earlier technology career was at the airline industry as CIO of Aerolineas Argentinas, and also served in the International Air Transport Association in Switzerland. Guillermo has a MS in Project Management from The George Washington University.