Management Team

The leaders of Unidos combine extensive experience in payments and technology with deep compassion for people who need to meet the challenges of managing family and business finances across international borders.

Among the senior people at Unidos are veterans of the payments industry, technology-platform creation, regulatory compliance, financial management, sales and customer service. Together, they put decades of experience to work to bring easy, secure, reliable financial solutions to people through neighborhood agents, retail outlets, call centers, online applications and mobile apps.

Daniel Marlo

Founder CEO

Daniel Marlo founded Unidos in 2006 and served as its CEO. He was previously VP of Business Development and General Counsel at Epana, a telecommunications company serving Hispanics, and was a counselor and adviser to venture capital funds and emerging growth companies while at Gunderson Dettmer. He holds a JD from the Northwestern University School of Law and a BA in Economics from Georgetown University and took advanced coursework at Northwestern’s Kellogg School of Management.

Augusto Ruiz-Eldredge

Chief Operating Officer

With over 20 years’ experience working in diverse industries such as consulting, banking and financial services, Mr. Ruiz-Eldredge has oversight responsibility for all operational and product related matters at Unidos Financial Services. Prior to merging with iTransfer, he was the VP of Finance and founding member at Unidos Financial Services Inc., where he helped develop Unidos’ innovative Prepaid Debit money transfer product. He was also instrumental on the development and deployment of other conventional money transfer services to more than 30 destinations countries, as well as other services such as bill pay, mobile air time and check cashing. Previously, he held managerial and executive positions at DolEx (formerly known as Remesas Quisqueyana Inc.), including head of its leading Money Transfer product. Mr. Ruiz-Eldredge has a BA in Business Administration from INTEC in Dominican Republic and MBA from Suffolk University School of Management.

Mauricio Sánchez

VP, Marketing & Customer Strategy

Mauricio Sánchez has spent the last 15 years launching and managing innovative financial products focused primarily on the unbanked and underbanked consumers. He developed the Marketing, Sales and Operations teams that took Unidos to thousands of Agents in the United States. Now oversees the Marketing Department , including online and mobile platforms, the Corporate Retail Network, Market Research and Consumer Experience projects. Previously he was National Sales Manager for Avenida de America, a company specialized in marketing and media for the Hispanic market in the US, and Sales Manager for Maxitransfers Corp. a company in the remittance industry in the United States. He has a BA in Business from Universidad Nuevo Mundo in Mexico, and a Certificate in Digital Marketing from the Business School at Rutgers University in New Jersey.

Ruth Ann Kraemer

Chief Financial Officer

Ms. Kraemer has extensive experience in the role of Chief Financial Officer working for multiple companies across a wide array of industries.  Ms. Kraemer joined Tempo Financial Holdings Corp. in Nov. 2012 as CFO where she is responsible for leading the accounting and finance team and was instrumental in the merger between Tempo Financial Holdings and Unidos Financial Services.  Prior to her role at Tempo, Ms. Kraemer was the CFO of Allegro Multimedia and also served as CFO/COO of Agilis/Providence Investment Management.  During her time with Agilis/Providence,  she participated as a representative for Herrick Feinstein of New York as a Registered Investment Advisor (RIA) Industry Expert for seminars which instructed independent financial firms in RIA compliance.   Ms. Kraemer received her BS in Accounting from Oklahoma State University, and is certified as a CPA.

Kevin Lutkins

General Counsel

Mr. Lutkins has over twenty years’ experience as an attorney focusing on government compliance and regulation, commercial and civil litigation. Mr. Lutkins currently serves as the Corporate Counsel, Compliance Officer for MEMO Financial Services & Chief Compliance Officer for Unidos Financial Services where he leads the Compliance Department that ensures adherence to federal and state anti-money laundering and terrorist financing laws including maintaining the state licenses of the money services business and escheating unclaimed property. Mr. Lutkins has developed and implemented the training of company employees and 3,500 agent locations. Mr. Lutkins has his Juris Doctor from Capital University Law and an MBA from Capital University Graduate School. He is also a Certified Anti-Money Laundering Specialist (CAMS).