Javier Sanz
Fintech Executive | Operations & International Expansion
Dubai, United Arab Emirates
5M+
Users scaled
$5B
Annual volume built
10+
Regulatory jurisdictions
$145M+
M&A deals executed
About Javier
I scale regulated financial platforms. In the past decade I built a digital broker-dealer from zero to 5 million users, culminating in an acquisition by a tier-one US investment bank. I have closed over $145M in cross-border M&A, and secured capital-markets and payment licences across 10 jurisdictions on 4 continents.
I pair deep infrastructure knowledge — licensing, payments, trading, clearing, custody, compliance — with the commercial instinct to convert that infrastructure into revenue. At BrokerageAudit, I'm applying everything I learned building regulated fintech infrastructure to the insurance industry: automating the backoffice operations that cost agencies thousands of hours and create E&O exposure.
Insurance agencies deserve the same operational technology that banks and broker-dealers have built in-house. BrokerageAudit is that technology — purpose-built, AI-powered, and designed for the independent agency channel.
Experience
Founder & CEO
BrokerageAudit
2025 – Present · Dubai
Building the AI-powered backoffice operating system for insurance agencies. Automating policy checking, COI verification, submission intake, and commission reconciliation for independent brokerages.
VP, Operations & Market Expansion
Alpaca ($1.2B valuation)
2024 – 2025 · Silicon Valley / Dubai
Led operations and international expansion for a Silicon Valley-based, SEC-regulated, self-clearing broker-dealer providing API-driven trading infrastructure. Executed two cross-border acquisitions totaling $45M+. Secured capital markets, crypto, and payment licences across 6 jurisdictions.
President & CEO
Ninety Nine (acquired by tier-one US investment bank)
2017 – 2024 · Madrid / London / Mexico City
Built an ESMA-regulated digital broker-dealer from zero to 5M+ users and $5B annual volume — Southern Europe's fastest-growing investment platform. Executed the B2C-to-B2B pivot into white-label infrastructure, signing contracts with 4 of the world's 20 largest banks by AUM. Negotiated 2 landmark exits. Built a 200-person multi-office organization.
Head of Operations & Business Development
Emoji Company (Universal Studios)
2014 – 2017 · New York / Dubai
Launched a global IP-licensing operation spanning 30+ countries from a standing start, building it to $300M+ in annual revenue. Closed multi-million-dollar brand deals with Universal Studios, Sony Pictures, and major consumer brands.
Education
Harvard University
Advanced Finance Program (A+) — Private Equity, M&A & Restructurings, Corporate Finance
CUNEF Universidad
Bachelor in Finance, Business & Auditing — Valedictorian, Excellence Scholarship (Spanish Banking Association)
Professional Development
AI & Business Strategy (MIT Sloan) · AI for Business (Wharton) · Investment Performance Measurement (CFA Institute) · Strategic Management (Wharton) · Advanced Negotiation (Harvard) · Digital Transformation (Yale SOM) · Disruptive Strategy (HBS Online)
Regulatory Jurisdictions
Direct experience securing and maintaining licences across:
What I'm building at BrokerageAudit
AI Policy Comparison
Automated binder-to-policy and renewal comparison with a 47-point E&O checklist.
COI Verification
Validates certificates of insurance against policies and contractual requirements.
Submission Intake
Pre-fills ACORD applications from AMS data, matches carrier appetite, distributes to markets.
Commission Reconciliation
Matches carrier statements to policy records, catching short payments at scale.