Joey has more than 28 years of professional experience in the Telecommunications and Information Technology industries in Southeast Asia, South Asia, and North America. He has spent 17 years working for various mobile telecommunications companies and has spent 11 years in Information Technology with IBM, Sun Microsystems, Oracle and Lucent.
Joey has spent more than 14 years as an expatriate in various senior management responsibilities in countries such as Sri Lanka, Indonesia, Guam, Saipan, Northern Marianas Islands and Afghanistan implementing mobile money solution and telecommunications projects, products, and services.
Joey was the chief architect in the successful launch and implementation of G-Cash, the first card-less and cash-less mobile money solution in the world in 2004 with Globe Telecoms in the Philippines. This service won the Best Messaging Service in the World for 2004 which was awarded by the GSMA Conference in Cannes, France in 2005.
Joey has worked as the chief advisor and technical consultant for the E-MITRA project of USAID in Indonesia. He has provided consulting services to several commercial banks such as Bank Mandiri, Bank Negara Indonesia (BNI), Btpn, Citibank on strategies for digital payments and branchless banking services. As part of the project, he has done consulting engagements with the major telecommunications companies such as Telkomsel, Indosat, Excelcomindo on public-private partnership and business development for mobile money, mobile financial services, mobile money ecosystem and agent network development. Joey has also provided consulting services to Mercy Corps, CGAP, and Gates Foundation in developing mobile money services for government payments. He also does consulting work on mobile financial services for Family Health International (FHi360) and NetHope International, both NGOs are based in Washington, D.C.
Joey was the chief mobile money advisor under the USAID Financial Access in Investing in the Development of Afghanistan (FAIDA) program in Afghanistan. He works with all key government institutions such as Da Afghanistan Bank, Ministry of Finance, Ministry of Education, Ministry of Communications and IT/Afghan Post, Ministry of Labor and Social Services, Ministry of Women’s Affairs, Ministry of Rural Reconstruction and Development, Kabul Electricity Board, among others.
Joey and his team have implemented 14 pilot projects on various mobile money applications via public-private partnership that deal with improvement in the delivery of government services to the Afghan population. He works with government agencies in implementing mobile money solution for salary payments of public school teachers, salaries of national policemen, monthly stipends and allowances for disabled families, allowances for provincial facilitators and for health workers, electricity payments and loans disbursements and repayments for farmers and rural micro-finance borrowers.
He is also responsible in the implementation of a nationwide university contest for students to come up with mobile money applications. This contest extends to 33 private and public universities across 18 provinces in Afghanistan.
Joey works with various US government agencies such as Department of Treasury, Department of Homeland Security, US Military/Department of Defense, Department of State, USAID, World Food Program as well as the IMF on mobile money regulations, applications, and implementation. He also works with World Bank in the implementation of a national payment switch which connects all banks, point-of-sale terminals, ATMs and other electronic channels to mobile money service platforms.
Joey worked closely with the four major GSM operators in Afghanistan such as MTN, Etisalat, Afghan Wireless Communications Company and Roshan in the strategy formulation and implementation of their various mobile money services. He provides business and technical assistance which include business modeling, agent network training and development, bottom-of-the pyramid (BOP) types of applications, sources and uses of electronic cash, marketing, branding and traditional and non-traditional distribution channels as well as gender program for women empowerment using mobile money.
Joey was also responsible in crafting new mobile money regulations on the Electronic Money Institution (EMI) license with Da Afghanistan Bank (DAB), the country’s Central Bank. Different international organizations such as World Bank, CGAP, Gates Foundation, and GSMA also provided comments and inputs to these new mobile money regulations which were approved by the Supreme Council of DAB for implementation in the 3rd Quarter of 2011. These new amendments include Know-your-customer (KYC) registration procedures, audit and control mechanisms for licensed EMI operators, corporate governance policies, threshold limits for various types of mobile money transactions, required monthly dashboard reports, capital investment requirements, license fees and penalties, banking integration requirements, inclusion of money remittance applications, as well as monitoring and examination practices. Joey has been invited to be a keynote speaker in several mobile money conferences in Barcelona, Spain, Geneva, Switzerland, Oaxaca, Mexico, New Delhi, India, Jakarta, Indonesia, Kuala Lumpur, Malaysia, Singapore, Dubai, UAE, Kabul, Afghanistan, among others.
Joey is a graduate of Management Engineering from Ateneo De Manila University in the Philippines. He has taken executive management programs in Stanford University in Palo Alto, California, U.S.A and the Telecommunications Executive Management Institute (TEMIC) in Montreal, Canada.
Joey is happily married with one son and one daughter.