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As a leader in Consumer Engagement & Marketing as a service (CEMaaS), Julio provides innovative insights and data-driven advisory and managed services in direct-to-consumer marketing and advertising. He led the brand reposition of banking products and introduced advanced marketing-analytics technology at various companies. With a doctorate in leadership and change, Julio is widely respected for his 25 years of experience in B2B and B2C marketing, product and brand development, analytics, and marketing database technologies, including a combined 16 years with some of Canada’s largest banks.