Work with the founder

I help financial institutions identify where AI actually creates value.

After 10+ years in banking and building AI products for regulated markets, I work directly with leadership teams to map where AI can drive revenue, efficiency, and risk reduction—before you commit budget to the wrong bets.

Fernando Martignone Esteves

Hi, I’m Fernando Martignone Esteves.

Founder & Head of AI at AIQGEN, and former Itaú BBA (10+ years) across corporate banking, pricing strategy, and AI-driven decision systems.

I don’t treat AI as a technology slide deck—I treat it as a business and decision problem: where capital, risk, and regulation meet real operations.

  • 10+ years inside corporate banking
  • RAROC, pricing, and revenue logic—not generic “AI use cases”
  • AI products for wealth & banking (e.g. AlphaAdvisor)
  • Compliance-native: CVM, Bacen, COAF—by design, not as an afterthought

Most AI programs fail before they ship

Not because models are “weak”—but because the institution never answered the right question.

What this is

This is not implementation-heavy engineering.
It’s clarity on where AI should earn its place.

I work with your leadership team to map opportunities across revenue, efficiency, and risk & compliance—then prioritize what to do first, what to defer, and what not to fund.

How the engagement works

1

Business & operating context

How you make money, where margin leaks, key workflows, data reality, and regulatory constraints.

2

AI opportunity mapping

Concrete areas—revenue (e.g. targeting, cross-sell), efficiency (manual back-office, service load), risk (fraud, monitoring, audit trails).

3

Prioritization

Impact vs. effort vs. regulatory complexity—so you know what deserves a pilot and what doesn’t.

4

Strategic output

A prioritized opportunity map, directional roadmap, and clear handoff—whether your team builds, a partner builds, or AIQGEN builds later.

Built from inside the financial system

Many AI advisors come from pure tech backgrounds. I combine banking economics, product judgment, and regulated-market delivery—so recommendations respect how your institution actually runs and is supervised.

“Compliance is not a constraint you bolt on later—it’s part of the architecture.”

Who this is for

  • Banks and broker-dealers
  • Wealth and asset management
  • Fintechs and investment platforms
  • Leadership teams asking: “Where should we actually use AI?”

Who this is not for

  • Teams that only want a generic tool audit with no link to economics
  • Purely experimental science projects without an owner and KPI
  • Organizations looking for a large outsourced build team on this same engagement—this engagement is strategy and mapping first.

What you walk away with

Typical strategy engagements are scoped individually. We’ll align scope, timeline, and investment on the strategy call.

Book a strategy call

In 30 minutes we’ll sense-check your context, where AI might matter, and whether a formal engagement makes sense.

Talk to us
João da AIQGEN

João da AIQGEN

Financial AI Consultant • Online

Hello! I'm a specialist in AI agents for financial markets. How can I help you today?