Top Of The Game

020 Henrique Dubugras| building since forever

HENRIQUE’S BIO
Henrique Dubugras is one of the most accomplished entrepreneurs in Silicon Valley and the world's youngest self-made billionaire added to the Forbes List in 2022. A true master, an entrepreneur who is now 28 years old and inarguably at the top of his game. His company building path started when he was twelve, when he started his first company. In his words: “I started coding when I was 12, because there was this game I wanted to play. It was like a paid game and my parents didn’t want to pay for me; I figured out, if I learned how to code, I could play it for free.”  I’ve known Henrique for a number of years and in every conversation I learn something new, including in this one.
Henrique is the Co-Founder and Co-CEO of Brex, the first of its kind corporate card for startups and small businesses valued at about $10 billion. Born and raised in Brazil, he launched payments company Pagar.me (“the Stripe of Brazil”) which happened to be Microsoft’s Startup of the Year in 2014. He was sixteen! While still a teenager, the company had grown to process $1.5 billion in transaction volume and in the fall of 2016, Henrique sold the company and enrolled at Stanford. After eight months, he dropped out and founded Brex. 
How he met his co-founder, Pedro Franceschi, is also the stuff of legend -- via a Twitter argument in 2012. The heated discussion turned into a Skype call that started a long friendship. They founded Pagar.me together, went to Stanford together, did Y Combinator together, and dropped out together to form Brex. The vision was and continues to be to reinvent the corporate credit card. 
He currently sits on the boards of Expedia and Mercado Libre and is an advisor at Instituto Alpha Lumen near his hometown.
“I got some legal notifications from Google about some patent thing after starting my first company at 12, I had no idea what patents were… I was just a kid hacker in Brazil.”
“One of the craziest things I ever experienced, the weekend SVB blew up.”
“The hardest part as a leader is figuring out where to spend your time, especially when people around you have many more ‘hours of flight’ managing people.”
HENRIQUE RELATED LINKS
Brex
Forbes Billionaire Profile
Times Magazine: How SVB Crisis Boosted Brex
Bloomberg Linea
Joining Expedia’s Board
 
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019 Marla Blow| multi sector athlete

MARLA’S BIO
Marla is a multi sector athlete that has built a stellar career in the private, public and philanthropic sectors. We talk often and the conversations are always engaging, thoughtful and rich - including this one. 
She is an accomplished leader with a unique perspective formed at the intersection of capitalism and social impact which informs her current role as President and COO of the Skoll Foundation. Marla also sits on the boards of Square Financial Services and Etsy and previously was SVP at Mastercard’s Center for Inclusive Growth, Founder and CEO of FS Card (sold to a strategic acquirer), Assistant Director for Card and Payment Markets at the Consumer Finance Protection Bureau, and held various roles in Capital One’s credit card franchise 
The funding she raised at FS Card is one of the largest allocations of capital ever made to a company founded by an African American woman. This singular accomplishment led her to be one of the women featured in Vanity Fair’s 2018 “26 Women of Color Diversifying Entrepreneurship”, winning the 2018 EY Mid Atlantic Emerging Company Entrepreneur of the Year Award, and being featured as one of Fast Company’s Most Creative People in Business that same year. 
She is a Henry Crown Fellow of the Aspen Institute, member of the Aspen Global Leadership Network and the US Capital Chapter of YPO, and was a board member of Care.com (NYSE: CRCM, sold to IAC) and Factor Trust (sold to TransUnion). Marla holds an MBA from Stanford University and an undergraduate degree from the Wharton School at the University of Pennsylvania.
“The fact that everyone else is doing it, does not mean I have to do it”
“The common thread is my willingness to tackle things where I have no preconceived ideas and built in risk tolerance… with a common sense detector.”
MARLA RELATED LINKS
Joining Skoll Foundation
Aspen Institute Profile
Vanity Fair’s 26 Women of Color Diversifying Silicon Valley (2018)
Fast Company’s Most Creative People in Business (2018)
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Note: Starting with this episode and the fact that all episodes are short, we will cease to provide with the time markers and show outlines provided in the previous 18 installments.

018 Ladi Balogun| the fullest potential

LADI’S BIO
Ladi Balogun is one of the most accomplished business leaders in Africa. As he puts it: “My mission is to help ethical leaders build legacies that will advance us towards a highly skilled, healthy and prosperous Africa. I do this primarily through the tools of finance, sharing knowledge and providing access to supportive ecosystems.”
Ladi has led the transformation of a boutique merchant bank that employed less than 200 people, into what is now one of the largest financial services firms in Nigeria, hence Africa.  It also happens to be one of the most profitable at the same time as being focused on inclusive finance and sustainable business building. 
He is Chief Executive Officer of FCMB Group Plc a holding company which owns a number of operating companies including First City Monument Bank and has interests in banking, consumer finance, investment management and financial technology. He serves as Chairman of several of those entities and the group he leads employs over 8,000 people, 115,000 agents and serves about 12 million customers in multiple geographies across Africa and the United Kingdom. In the first half of 2023 (H1 2023) FCMB delivered: 148% growth in profit before tax of N38.2 billion ($48 million); revenues of N238.2 billion ($297 million) driven by a 52% increase in interest income and a 217% increase in non-interest income; customer deposit growth of 45.3% year-on-year to N2.38 trillion (~$ 3 billion); and AUM growth of 23.6% year-on-year to N910.3 billion ($1.1 billion).  
He began his career in Deutsche Bank and Citibank and held various roles in commercial and investment banking focused on Europe and the United States. Ladi holds a Bachelors in Economics from the University of East Anglia in Norwich, England and an MBA from Harvard University.
“There is more promise than peril with AI in Africa”
“Technology enables us to be more efficient, profitable and inclusive”
EPISODE OUTLINE
(0:00) - Intro
(0:38) - Background
(01:47) - The early years; Nigeria-UK-US-Nigeria, entrepreneurship + finance
(03:53) - The Africa story is full of potential; purpose, growth, inclusivity, profits
(07:35) - Financial services transforming with technology; the future is now
(12:02) - AI views from a top leader in Africa; emerging markets full of promise
(17:09) - Outro
LADI RELATED LINKS
Discussing Earnings on CNBC
On People and Culture on Business Insider
Company results H1 2023
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017 Nate Yohannes| humanity grounds intelligence

NATE’S BIO
Nate’s journey started in Eritrea, a small country in the Horn of Africa where Tes, Nate’s remarkable dad, became a freedom fighter in the struggle for liberty  who one day stepped into a landmine that cost him an eye. The family entered the United States under political asylum as refugees in upstate New York. Tes’ belief in democracy and the values of equality, self-autonomy and hard work were passed onto Nate. I saw this first hand, every day. 
By the time the White House had sent me Nate’s profile, a lawyer with Wall Street chops, I had interviewed more than a dozen people for the coveted role I ended up hiring him for: Senior Advisor for programs that oversaw tens of billions in capital for high growth businesses and cutting edge technologies. Early capital from those programs were instrumental to companies like Apple, Intel, Genentech, Tesla, FedEx and Amgen - all tiny little startups early in their trajectories. Nate was certainly at the top of his (younger) game then, and that trajectory carries on at warp speed because what has come after serving our country is a dizzying blaze through the high stakes, high powered, multi-trillion dollar innovation economy at the cutting edge of two iconic American tech giants: Microsoft and Meta.
He is currently the Artificial Intelligence and Machine Learning (ML) Lead for Instagram creators, driving  strategy to commercialize state-of-the-art AI technology for Content Understanding, using Large Language Models (LLM) for Meta's recommendation algorithm. Prior to his current role at Instagram, he was Product Leader for Foundational AI and ML for Facebook. Before that he was Director of AI Product Strategy at Microsoft’s Office of the Chief Technology Officer which among other things made the investment in OpenAI, the strategic partnership with Nvidia and attempted to acquire TikTok. Before that he held various product management roles in AI, Virtual and Augmented Reality, and business development for cloud computing. 
He is a member of the Economic Club of New York and Advisory Board Member at NASDAQ’s Entrepreneurial Center.
“Democratizing technology is rooted in humanity” 
"Leveraging human ingenuity through artificial intelligence"
EPISODE OUTLINE
(0:00) - Intro
(0:38) - Bio
(02:09) - Political refugee becomes White House appointee
(03:37) - Navigating and shaping AI; from Microsoft to Meta
(06:55) - Generative AI and the creator economy; Instagram, Hollywood, etc
(08:41) - The future of work is now; for knowledge workers and trades
(10:50) - Some thoughts on careers in tech; leadership, confidence, risk taking, empathy
(15:06) - AI to AGI to ASI reflection
(15:53) - Lightning round; Halal food trucks, beer and burgers, Afro beats
(18:01) Outro
NATE  RELATED LINKS
Microsoft Profile
The Heart and Soul of Machines
Maximizing Connectivity and Culture- Podcast
Fireside Chat
The AI Revolution is Here (2020)
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016 A LA LATINA| playbooks to succeed

A LA LATINA / CLAUDIA + CYNTHIA
Claudia Romo Edelman and Cynthia Kleinbaum Melner are each remarkable women who joined forces to launch a podcast by successful women for any and all women (and frankly, any and all men):  “A La Latina - The Playbook To Succeed Being Your Authentic Self”.   Claudia is a staunch advocate for Hispanics in America and founder of We Are All Human. Cynthia Kleinbaum Milnerhas decades of experience in business and is currently the Chief Marketing Officer of Money Lion.
We explore why they launched "A LA LATINA”. Despite Latinas representing 9% of the US population, they are vastly underrepresented in the places where power and influence are dispensed. Their podcast aims to bridge that divide by spotlighting Latinas leading in corporate America and offers listeners deep dives into their journeys, sharing wisdom from industry behemoths like Coca-Cola, NFL, and Spotify. The focus is to explore actionable strategies tailored for success — the Latina way. Listeners discover stories of Latinas who've carved a niche for themselves in the business world. They share expert perspectives on overcoming biases and challenges in the corporate world while fostering professional growth in synchrony with cherishing cultural roots.
Claudia is a Mexican-Swiss public servant, speaker and media contributor who is a activist for equity, diversity and inclusion. She has decades of experience working at organizations that include UNICEF, UNHCR, the United Nations and the World Economic Forum. She founded We Are All Human and The Hispanic Star and was a marketing professor at  the University of Geneva. 
Cynthia, prior to her current role as CMO of Money Lion, held a number of leadership roles at Walmart including being VP, Marketing for Walmart+ where she grew adoption of digital services that redefined the company’s omnichannel go-to-market strategy. Prior to that, she repositioned the digitally native brand Bonobos, improved customer experience at Gilt Groupe, revamped Nestle’s Nesquik brand in Mexico consulted at The Boston Consulting Group. She holds an MBA from Harvard Business School and B.A. degree with honors from Universidad Iberoamericana.
“Hispanic progress is American progress”
“The minority within the minority, the gap between the gap”
EPISODE OUTLINE
(0:00) - Intro
(0:38) - Background
(01:10) - Why the blind spots; solving for representation, moving the needle
(04:24) - A La Latina is launched; climbing the ladder, stereotypes, dual modes
(06:43) - Breaking inertia; Latinidad, reclaiming identities, how to make it authentically
(09:21) - New leadership-styles flip the script; when we write, performance is higher
(10:50) - Diversity is good business; it’s not charity, just look at the math
(13:17) - Business 100%; and churros, yum!
(14:10) - Outro
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015 Chris Brummer| create + trade + regulate

CHRIS’ BIO
Chris Brummer is Williams Research Professor and Faculty Director of Georgetown’s Institute of International Economic Law. He serves on the Board of Directors of Fannie Mae and is the creator of DC Fintech Week, the largest conference in the world at the intersection of fintech, governance and government taking place Nov 6-8 in the nation’s capital. Prior to joining Georgetown’s faculty with tenure in 2009, Brummer was an assistant professor of law at Vanderbilt Law School. He has also taught at several leading universities as a visiting professor including the universities of Basel, Heidelberg, and the London School of Economics.
Professor Brummer recently concluded a three year term as a member of the National Adjudicatory Council of FINRA, an organization empowered by Congress to regulate the securities industry, where his work was praised as making a significant contribution to advancing investor protection. In 2016, Professor Brummer was nominated by President Obama to serve as a Commissioner on the Commodity Futures Trading Commission.
Professor Brummer lectures widely on finance and global governance, as well as on public and private international law, market microstructure and international trade. Mr. Brummer is the author of several books, most recently Fintech Law in a Nutshell (2019).  His current research examines how China’s internationalization of its currency is producing novel systemic risks for the global financial system.
Chris Brummer earned his J.D. from Columbia Law School, where he graduated with honors, and he holds a Ph.D. in Germanic Studies from the University of Chicago. Before becoming a professor, he practiced law in the New York and London offices of Cravath, Swaine & Moore LLP. In 2011, he joined the Washington offices of the Milken Institute where he is a senior fellow. Subsequently in 2012, he was awarded the C. Boyden Gray Fellowship for Global Finance and Growth at the Atlantic Council.
“Silicon Valley makes it, NYC trades it, DC regulates it”
EPISODE OUTLINE
(0:00) - Intro
(0:38) - Bio
(01:13) - The early years trajectory to this day
(02:43) - International finance law, crypto, blockchain
(03:44) - SBF, FTX, blow ups; failure points, fraud, fragility of trust
(05:12) - Make, trade, regulate; the intersection of innovation and regulation
(05:53) - Social media vs fintech; it’s different, issues pop up, guardrails
(07:23) - AI and the centers of power; some thoughts on Hollywood, airlines, biotech
(11:28) - Risk managing a $4 trillion balance sheet; housing, finance, macros
(15:43) - A little about DC Fintech Week; CEO’s + regulators locked in a room
(16:44) - Outro 
CHRIS RELATED LINKS
About Chris & Fintech Beat via FiscalNote; Podcast
Video Gallery: Milken, EU Parliament, Brookings, etc…
Fannie Mae: Board of Directors, Corporate Governance
Cryptoassets: Legal, Regulatory and Monetary Perspectives (Book)
DC Fintech Week 2023
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014 Paul Caine| live events unite

PAUL’S BIO
Our conversation with Paul is a whirlwind with a master of the media & entertainment world, now shaping how we consume, experience and feel live events - from the Olympics to art fairs to music festivals. He is President of Endeavor’s IMG Events and On Location businesses, overseeing a diverse and global portfolio of consumer experiences, hospitality, and brand partnerships. 
The company has partnerships with more than 150 rightsholders, including the NFL, NCAA, UFC, IOC (Paris 2024, Milano Cortina 2026, LA 2028 Olympic and Paralympic Games), and PGA of America as well as relationships with festivals, musicians, and other creators, On Location offers world-class hospitality, exclusive ticket packages, and premier end-to-end travel access for corporate clients, fans, and guests to create memorable experiences at the world’s most marquee events.
IMG Events business owns, produces, and commercially represents hundreds of events globally, including international music, culinary, art, and horticulture festivals, multiple sports competitions and tournaments, attractions, exhibitions, and entertainment experiences.
Before joining Endeavor, Paul held leadership roles in media including Chief Revenue Officer of Bloomberg Media, Chief Executive Officer of Westwood One, and in various roles at Time Inc. He is also the Founder of PC Ventures, Member of the Board of Magnite and previously served as Chairman of the Boards of Engine Group and Telaria. He has held industry-wide leadership roles including serving on the boards of the Interactive Advertising Bureau, the Radio Advertising Bureau, the Association of Magazine Media and MusicCares (National Academy of Recording Arts & Sciences). He also co-founded Griffin Cares Foundation with his wife Pam Caine and serves as its Chairman.
“Live events are communities” 
EPISODE OUTLINE
(0:00) - Intro
(0:38) - Background
(1:35) - Run down of Endeavor, IMG Events and On Location; sports, concerts, art, movies
(4:50) - Digital, traditional media, live; the future of media, events, platforms, living it 
(8:26) - The “Taylor Swift economy”; commercial dynamics of live events and  communities
(11:09) - Lightning round; New Jersey, fish, sleeping, and “The Boss”
(12:09) - Outro
Assistant Editor: Devin Harris
PAUL RELATED LINKS
Endeavor / IMG Events / On Location
Hollywood Reporter on merger of On Location and IMG Events
Advertising Week Profile
Magnite Board Profile
Crain’s 40 under 40 when he was Publisher of Teen People
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013 Tom Llamas| curiosity informing truth

TOM'S BIO
Tom's life and career are remarkable and he is a master of truth telling and the news media. He is an American journalist who was the weekend anchor for World News Tonight on ABC and is now Senior National Correspondent and anchor for NBC News Now, hosting Top Story with Tom Llamas, as well as substituting occasionally in NBC's Today and NBC Nightly News.
He has won multiple Emmy Awards for "Best Anchor" and "Best Hard News Story as well an Edward R. Murrow award for his coverage of Hurricane Sandy. His first Emmy award was tied to his brilliant reporting on human smuggling and an interdiction at sea with the U.S. Coast Guard. 
Llamas career in a nutshell: NBC News Specials Unit, MSNBC political reporting, NBC's WTVJ in Miami, WNBC in New York, NBC News, ABC News as sole weekend anchor and now back at NBC. Tom has covered the most important stories in recent history: The 2020 presidential race,  the immigration crisis from the U.S. border with Mexico contributed, the death of U.S. war hero Senator John McCain, the rescue mission of the 12 Thai boys trapped in a cave, the sentencing of Bill Cosby, the mass shooting at Marjory Stoneman Douglas High School and many others. He has interviewed President Donald Trump, President Volodymyr Zelensky and Venezuelan President Nicolas Maduro.
Llamas was born and raised in Miami after his parents fled from Cuba during the 1960s. He graduated from Loyola University in New Orleans and lives in Manhattan.
EPISODE OUTLINE
(0:00) - Intro
(0:38) - Bio
(01:06) - Discovering a talent, nurturing it, developing it; background informs perspective
(02:40) - Getting into the business; Telemundo at 15 years old
(04:48) - The path, learning the business, starting at the bottom
(05:48) - Media changing, citizen journalism; pros and cons, the future
(07:25) - Careers in new media, digital distribution, democratizing fame
(08:55) - Training as a journalist, ethics, laws, impartiality; 10,000 reps
(10:38) - Americans love variety; from burgers to tomato sauce to news
(11:42) - A story that sticks out
TOM RELATED LINKS
Tom's Wikipedia
Top Story w/ Tom Llamas (Oct 10, Hamas Terror Attack on Israel)
ABC News Profile
SXSW Profile
Today: Reflections on Growing Up
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