Caroline Cypriano
Co-Founder & COO
JJ4tech
Biography
Caroline Cypriano is the Co-Founder and COO of JJ4Tech, a Miami-based company providing software solutions to small and medium-sized financial institutions in the U.S., focusing on faster payments, liquidity management and QR Code technology to initiate payments. JJ4Tech builds on technology pioneered by JD Consultores, the market leader for PIX—the Brazilian national instant payment system—with more than 20 years of experience and technology supporting over 1.1 billion transactions per month. Before JJ4Tech, Caroline founded and served as a Statutory Director at TAG IMF, a financial market infrastructure company and part of the Stone Co. group (NASDAQ: STNE). TAG IMF operates as a collateral registry for card receivables under authorization from the Brazilian Central Bank. Caroline has also held leadership roles in two U.S.-based startups: one focused on high-precision GPS for extreme sports and another that gamified sustainable transportation. Her diverse background spans payments, startups, and law, with over 14 years of experience. A licensed attorney in Brazil, Caroline brings a unique blend of expertise and innovation to the payments industry.
How is the nominee propelling the industry forward?
Caroline is a driving force in the evolution of faster payments, actively shaping industry advancements through leadership, innovation, and advocacy. Caroline previously served Vice Chair of the U.S. Faster Payments Council’s QR Code Work Group and a member of its Board Advisory Group. She is currently leading the effort with the FPC to create and lead a new User Experience work group. Caroline plays a crucial role in enhancing the adoption and efficiency of instant payments. She also contributes to the X9 work group advancing the development of a QR Code standard in the U.S. With deep expertise in payments innovation, Caroline brings valuable insights from Brazil’s Pix system—the world’s fastest-growing instant payment network—to improve financial institution liquidity management and expand access to faster payments in the United States. She is leading a company that enables institutions without existing capabilities to integrate faster payments into their core services, helping drive financial inclusivity. Beyond her business contributions, Caroline volunteers her time to advance industry best practices. She helps lead Faster Payments Council working groups, organizes hackathons, and authors thought leadership papers to promote innovation and standardization. She also represented JJ4Tech at the Nacha Payments Innovation Alliance, further reinforcing her impact on the payments landscape. Through her strategic vision and commitment to collaboration, Caroline is shaping the future of instant payments in the U.S., ensuring a more accessible, efficient, and innovative payments ecosystem.
Where do you see the nominee succeeding in the future?
Caroline is passionate about innovating around payments around the world. She is not only an effective practitioner in her day job but also recognized the need to contribute to advancing the industry through participation in industry forums and standards organizations. She's only going to have greater impact on payments in the US and around the world. Especially when it comes to bridging customer needs with technical implementation of best practices.