Carlos Payumo Garcia is a banking and treasury professional specializing in treasury management, capital markets, financial risk management, and banking transformation. He serves as Treasury Director at Manulife, bringing expertise in treasury operations, liquidity management, financial markets, and strategic financial management. Throughout his career, he has held leadership positions in treasury and banking, including Head of Treasury, contributing to the development and execution of treasury strategies in the evolving financial landscape. Carlos has been professionally affiliated with leading financial institutions, including JPMorgan Chase, HSBC, State Street, GCash, OwnBank, and Manulife. He was named Wealth Management Expert of the Year at the World Financial Innovation Series (WFIS) Awards 2024, recognizing his contributions to the financial services industry. As a speaker and panelist, Carlos shares insights on fintech, digital finance, treasury transformation, capital markets, financial innovation, and the future of banking. Beyond his corporate career, he is an entrepreneur with interests in business development, real estate, and technology-enabled services. He is passionate about bridging traditional banking expertise with emerging financial technologies and developing future-ready finance leaders.