Founder, Embedding Labs

Carlos Molina.

Carlos has repeatedly worked between a consequential business problem, the people who own its risk, and the systems or operating process needed to address it.

See the track record Read the career

Carlos Molina, founder of Embedding Labs, against a softly blurred office background. — Carlos Molina Founder, Embedding Labs

Career

Four chapters. One thread.

Private wealth, regulated financial businesses, banking technology and fintech, then applied AI.

Chapter 01

Build and grow client relationships.

Increasing seniority, and increasingly complex private-client needs, at three global firms.

2000–2007
Merrill Lynch, Senior Vice President
Built a Latin American private-client practice from New York.
2007–2011
Morgan Stanley Private Wealth Management, Executive Director
Served Latin American private clients from New York, including cross-border custody arrangements.
2011–2014
Barclays, Director
Served Latin American private clients and worked with senior executives.
Led a US-based Latin America wealth-management group, 2013–2014.
1996–1999
Earlier career
Accival (Banamex), Equity Research Analyst
Equity research was the starting point for a career in financial analysis and client-facing financial services.

Chapter 02

Advise and operate across regulated financial businesses.

Regulated asset management, international portfolios and boutique investment-banking advice.

2016–2024
IPG Securities Asset Management, Founder and Managing Partner · Geneva
Combined regulated Swiss asset management and international portfolios with boutique investment-banking advice and investor coordination.
Advised on a mineral-asset securitization for liquidity and on a trade-finance transaction connecting South American natural resources with Asian markets.

Chapter 03

Lead technology and governance in a regulated bank setting.

Technology leadership for a bank’s digital onboarding, its operating separation and its digital-asset workflows, with board service alongside.

2019–2020
PIB Technology Limited, Founder and CEO
Founded and led a banking-technology company that delivered regulated systems to a private bank.
Led digital onboarding with Avaloq, the separation of the bank’s operating systems and digital-asset workflows.
2018–2020
Concurrent board service
Board Chair, Private Investment Bank Limited
Board oversight of the compliance function, with regulator and auditor engagement.

See the systems PIB Technology delivered

Chapter 04

Build products and applied AI.

A fintech product taken to live operations, then an applied-AI company.

2020–2024
Momento, Founder and CEO
Took a fintech product from concept to live operations across banking, payments and remittances between the United States, Mexico and El Salvador.
2024–present
Embedding Labs, Founder
Founded Embedding Labs in 2024 and leads its AI deployments end to end: scope, architecture and release with each client’s decision owners, building with engineers and coding agents.

About Embedding Labs

Track record