T23 - Shaping the banks of the future

Who We Are

23Group helps financial institutions integrate and optimize their core banking systems. We provide expert guidance, project execution, and hands-on knowledge transfer—ensuring your team can manage and maintain systems independently. From methodology design to full system integration, we deliver efficient, tailored solutions that drive lasting results.

We are an independent management consulting firm specializing in the design and implementation of technology-enabled transformation programs. We provide advisory and consulting services driven by experience.

Headquartered in Puerto Rico, with offices in Trinidad & Tobago, the Dominican Republic, and Miami, we have supported banks and financial institutions across Latin America, the Caribbean, Europe, and Asia.

Our strengths include:

Business Process Modeling (BPM) and Business Process Design
Productivity & Efficiency Analysis
Core System Selection & Evaluation
Independent, Vendor-Agnostic Advisory
Post-implementation Support & Knowledge Transfer

We combine hands-on experience with collaborative delivery—large enough to handle complex projects, yet agile enough to offer personalized support.

We serve as a strategic and technical partner throughout the lifecycle, offering guidance and execution support in key areas.

OUR CORE SERVICES

Core Banking Implementation

Vendor Selection, system design, configuration and go-live

Digital Banking & CRM Deploement

Omnichannel experience, customer 360, onbarding & engagement

Process Reengineering & Change Management

Streaming operations, increasing efficiency, enabling automation

Compliance, Risk & Security Advisory

Aligining with regulatory framework (OCIF, ECVB, FATF etc.)

Project Governance & PMO Services

Delivering transformation programs with structure and transparency

Cloud & API Strategy Support

Supporting composable banking, integration layers & modern architecture

OUR PHILOSOPHY

Strategy-Led.
Client-First

As an independent advisor, 23 Group is fully aligned with our client's interests. We tailor every engagement to meet your strategic goals.

Purposefully Agile, Future-Ready & Built to Scale

We design solutions that move fast, flexible to change, and built to scale without sacrificing compliance or long-term viability.

Progressive and
Innovation-Focused

Whether it's composable architecture, open banking, or AI readiness — we help you stay ahead of the curve and prepare for what's next.

Trusted Partner
Global Perspective

With regional and international delivery experience, we bring a balanced, practical, culturally informed approach to transformation.

PHASED & TAILORED DELIVERY APPROACH

We don’t believe in one-size-fits-all. We work closely with your team to design a phased implementation approach that aligns with customers’ strategic goals, operational realities, and internal capacity.

REDUCE RISK

Breaks complex transformation into manageable stages, minimizing disruption and allowing for course correction.

BUILDS MOMENTUM EARLY

Delivers value in early phases (e.g., core launch or digital onboarding), while setting the foundation for future expansion.

RESPECT INTERNAL CAPACITY

Matches delivery pace with customers’ team availability and resource readiness.

TAILORED TO YOUR NEEDS

We collaborate with customers to prioritize initiatives that offer the highest impact, define phase scope, timelines, and dependencies, and adjust plans as business needs evolve.

CASSHIJA MARTYR

Country Manager: Trinidad & Tobago and Implementation Consultant

Catalys a realisation team, consultant with a focus of experience in financial technology implementation and business operations.

Specializing in core banking systems, KYC/AML, onboarding solutions, and digital transformation, Catalys excels at designing and executing solutions that enhance operational efficiency and profitability.

Beyond work, Catalys finds inspiration in interior design, travel, and other creative projects, bringing fresh perspectives and innovative ideas to every endeavor.

MARTÍN CATIVA

Business and Technology Consultant Integrator

A seasoned technology leader with expertise in enterprise architecture, IT strategy, and financial technology innovation.

With a strong background in cloud resources, data collection and IT operations, regulatory compliance policies, and digital transformation projects.

His extensive experience in software architecture, project portfolio management, and business intelligence makes him a valuable asset in driving technological advancements and operational efficiency.

MARÍA DÍAZ

Consultant and Core Integrator

Maria Miosotis Díaz is a seasoned banking and project management professional with over 24 years of experience in international and domestic banking, compliance, and all other operations.

She specializes in client development, process optimization, and regulatory compliance, ensuring efficient business practices and exceptional customer service.

When she's not working, Maria loves spending time with her family and granddaughters. She also finds balance in life through her passion for candle-making.

OSCAR CIRILO

Senior Technology Architect

Experienced technology architect with expertise in system design, cloud infrastructure, and enterprise solutions development.

Specializes in creating scalable architectures that support business growth and digital transformation initiatives.

With a passion for innovation and problem-solving, Oscar brings technical excellence and strategic vision to every project.

LAURAMIR RIVERA

Compliance and Risk Management Expert

Mrs. Lauramir Rivera has over 10 years of experience in the financial sector, both public and private. She has held leadership positions in Compliance and regularly collaborates with financial institutions, assisting them in meeting their regulatory requirements. In addition, she has been part of international internal audit teams for one of the largest auditing firms in the United States. As a Bank Examiner at OCIF, she participated in more than 30 examinations of retail and international banks.

She is a Certified Anti-Money Laundering Specialist (CAMS) and holds both a Juris Doctor and a Master’s in Business Administration (MBA) from the University of Puerto Rico.

In her free time, she enjoys playing chess.

ARTURO MEDINA

Security Governance and Risk Management Expert

Seasoned compliance professional with extensive experience in regulatory requirements and risk mitigation strategies.

Specializes in developing comprehensive compliance frameworks that ensure operational integrity and regulatory adherence.

Dedicated to helping financial institutions navigate complex regulatory landscapes while maintaining business agility.

ABOUT US