Jose Antonio Covaria

Enigma
DISC Type : icd

SVP - Digital Payments - Wire & ACH at Bank of America

United States

Overview

A results-focused digital payments director at Bank of America, Jose specializes in wire and ACH transfers, process improvement, and third-party risk management. He holds an MBA from Georgia Tech Scheller College of Business and is a co-inventor on a patent for information security.

Outside of his technical roles, he is seen as a personable leader with excellent networking and relationship-building skills. He has also expressed a keen interest in personal online security, cautioning his network about social media hacking and promoting safe practices.

Unique fact: Jose co-invented a patented system for an information security assessment translation engine used by Bank of America.

Personality Overview

Hard To Convince

Persuasive & Assertive

Fast Follower

They can sound friendly and charming but can quickly change gears to become inquisitive and probing  They are generally strong communicators and are not easy to convince. They are likely to ask many questions and look heavily for supporting proof as well as information.

Topics They Care About

Digital Payments
As Director of Digital Payments for Wire & ACH, he is deeply involved in the end-to-end treasury payments process, including SWIFT and other transfer protocols.
Process Improvement
His background in business transformation and a patent for business rigor management show a strong focus on streamlining operations and enhancing efficiency.
Third-Party Risk
Previously held multiple senior roles focused on third-party risk management and information security, overseeing partner banks and financial utilities.

Media Appearances

Jose has no verified media appearances

Work History

4-2022
SVP - Digital Payments - Wire & ACH at Bank of America
12-2020 - 4-2022
SVP- Third Party Risk Management at Bank of America
3-2017 - 12-2020
SVP Global Information Security - Third Party Information Security at Bank of America Merrill Lynch
5-2015 - 3-2017
SVP, Head of Network Management Americas at Bank of America Merrill Lynch
1-2013 - 4-2015
SVP, Business Transformation & Strategy, Global Payments at Bank of America Merrill Lynch

Education

2006 - 2008
MBA from Georgia Tech Scheller College of Business
2015 - 2015
Executive Programs from University of Michigan - Stephen M. Ross School of Business

More Information

Social Presence :

Prographics :

Exp : 27 Location : United States Job Level : Leadership Designation : SVP - Digital Payments - Wire & ACH at Bank of America
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Insights For Selling To Jose Antonio

During A Call Or A Meeting

DO's

  • Build rapport slwly without rushing, it will come handy to handle hard questions later
  • Leverage 'negging', or the art of asking negative questions like "you must not be convinced yet..."
  • Use phrases like ‘clear evidence’, ‘data-based results’ etc.

DONT's

  • Avoid long presentations and just 'high-level' value proposition, dive into the details
  • Don’t brush off any concerns, take all questions seriously. They are easily deterred
  • Avoid making offhand commitments, understand the root of their concerns first

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Jose Antonio is

  • Proven value, strong objective evidence are important for them, rapport can impact decisions a little.
  • Will you ever get a clear answer from Jose Antonio

  • They are practical and friendly, but can give a clear response with a little prodding

Insights For Deal Planning

    How fast (or slow) will Jose Antonio move?

  • They like to be detailed, so unless they develop strong conviction, they can take their time to arrive at decisions
  • Can Jose Antonio take some risk or not?

  • They evaluate their decisions systematically and do not take risks that often, unless you can get them to develop strong conviction

You And Jose Antonio

Personality Compatibility


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