Ricardo Maifrino is the Head of Risk and Compliance at Hnry, bringing over 15 years of experience in digital transformation for compliance, data governance, risk management, controls testing, and governance within the Financial Services sector across Australia and South America. Prior to this role, he worked at leading consulting firms such as EY and Protiviti, supporting major Australian banks. Additionally, Ricardo has held roles at global financial institutions, including JP Morgan, HSBC, and Bank of America, where he played a key role in delivering and implementing risk transformation projects.