Santiago Suárez

Morgan because Jamie hated consultants.

So he had banned all consultants, but he had a strategy group of 10 people.

And I was like, okay, well, then that feels like a good place to go learn.

And I was there for six years and it was incredible.

It was like a whole university in how to run companies and how to think about financial services.

So the answer is on why Columbia.

Hindsight is wonderful and there's so many reasons, but part of it was I was in Columbia.

And I had landed in Colombia because I had followed my girlfriend and wife.

And I refused to be employed in Colombia.

And I actually think being in Colombia was instrumental for being an entrepreneur because I knew too much about U.S.

financial services.

And every time someone would give me an idea in the U.S., I'd be like, the Bank Holding Company Act of 1960 actually makes this unworkable.

Or...

You know, Durbin will make sure this doesn't work or here's how you don't understand Swift.

And I had just been so into the matrix here that all I could see was the 10 ways in which your startup is going to fail.

Had I been that into the matrix in Colombia, I would have been like, yeah, your company is never going to work out.

I'm doing what I know now, but I didn't.

So I think a little bit of ignorance is always bliss.

A little bit of being the right place, right time and refusing to be an employee.

But there were two things that I saw that were very, very important.