Juan A. Williams C. I build regulated fintech infrastructure and advise the institutions that run on it. As Co-Founder of PayCaddy — a Y Combinator-backed, licensed Mastercard principal member — I’ve built compliance programs, navigated licensing across jurisdictions, and deployed AI-powered workflows inside financial operations. As Managing Partner of Wolf Advisory, I lead a strategic payments consulting practice advising banks, issuers, and fintechs on franchise economics, regulatory compliance, and AI-driven operational transformation. I’m also building Mandate — an AI middleware for agentic card transactions — working on the question that very few people in LATAM are asking yet: what happens when AI agents start initiating financial transactions autonomously, and what governance frameworks need to exist? My background is in law and political science, with a specialization in economic and commercial law (international taxation). Before PayCaddy, I advised a presidential candidate on policy, participated in regulatory roundtables on AML and fintech regulation, and worked government relations for Uber during its LATAM market entry. I care deeply about how AI intersects with financial regulation, publ
Founder & CEO
Co-Founder | Chief Compliance, Risk and Legal Officer
Masters, Law
