What Dynamic Business Management does

Dynamic Business Management Inc. is a privately held consulting and brokerage firm headquartered in Doral, Florida, that serves financial institutions across Latin America and the United States. The company positions itself as a bridge between financial institutions and innovative fintech solutions, operating across 14 countries including the US, Mexico, Brazil, Argentina, Colombia, Chile, Peru, and multiple Central American and Caribbean markets. Its service model follows a five-step process — Assess, Define Strategy, Implement, Control, and Learn — and is organized into three product lines: Consulting & Brokerage (digital transformation, open banking, business and risk diagnostics, profitability optimization, product strategy, customer experience and loyalty), Training & People Development (BankersLab simulation-based credit training, user and customer experience training, leadership development), and Control & Analytics (database engine production, scoring tools for risk/revenue/fraud/collection models, online reporting, and test control strategies).

The underlying technology stack includes a master file and data mart database engine, scoring models for risk, revenue, fraud, and collections with lifetime value analytics, cloud-based or on-premise online reporting with auto-monitoring, and the proprietary Tensor Model™ — a technique that jointly predicts customer risk and revenue dimensions to enable targeting of high-revenue segments without increasing customer risk. Delivery is supported by a network of nine strategic partners covering analytics (Quantum Strategics), digital banking (Finconecta), simulation-based training (BankersLab), customer experience (NodoCX), software development (KNDCODE), leadership training (361°), earnings analytics (Profit Insight), sales channel services (Salesland), and executive search (Allen Austin).

Dynamic Business Management generates revenue through professional services engagements — consulting, brokerage, training programs, and analytics implementations — sold on a quote-based B2B basis to enterprise financial institution clients. Pricing is not publicly disclosed. The company is founder-led, with Ruben Gross (ex-Citibank and American Express) as Founder and CEO, Patricia Osorio as Founder Partner and Senior Talent Development Director, Federico Ulloa as CEO and Partner, and Norman Cano as Founder and Professional Services Director. Named enterprise clients include American Express, Bancolombia (BAC), Banco BHD Leon, Credicard Brazil, and Banco de Guatemala. The firm is privately held with no institutional investors, funding rounds, or parent company disclosed.

Name

Dynamic Business Management

Legal name

Dynamic Business Management Inc.

Website

https://dynamic-bm.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Dynamic Business Management is a Doral, Florida-based consulting and brokerage firm that helps financial institutions across 14 Latin American and US markets with credit risk management, digital transformation, customer experience, and analytics through the proprietary Tensor Model™ methodology.

Ownership category

akta.pro rank

Product category

Financial Services Consulting

NAICS

Management Consulting Services (54161), Other Management Consulting Services (541618)

SIC

Services-Management Consulting Services (8742), Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Risk Management Consulting (Enterprise & Operational Risk) (FSAEADAG)

akta.pro secondary industry

Corporate Development & Strategic Partnerships Advisory (JVs, Alliances, Carve-outs) (BPAHAOAG)

Keywords

• Financial consulting services
• Credit risk management
• Digital transformation consulting
• Banking training programs
• Customer experience advisory

Headquarters

HQ city

Doral

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Consulting & Brokerage Services: Strategic advisory and consulting services for financial institutions covering business fundamentals and digital transformation. Services include business diagnostics, risk management, profitability optimization, product strategy, and customer experience enhancement.
2. Training & People Development: Training programs and curriculum materials including BankersLab's simulation-based training for credit cycles, user and customer experience training, and leadership development programs.
3. Control & Analytics: Analytics services including database engine production, scoring tools implementation, online reporting systems, and test control strategy tracking.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Dynamic Business Management is a consulting and brokerage firm that connects financial institutions across Latin America and the United States with innovative solutions. Its core offering is structured around three service lines: Consulting & Brokerage (strategic advisory on credit risk management, digital transformation, open banking, and fintech leverage), Training & People Development (simulation-based credit cycle training via BankersLab curriculum, leadership, and customer experience programs), and Control & Analytics (database engine production, scoring tools for risk/revenue/fraud/collection models, online reporting, and test control strategies).

Product overview

Dynamic Business Management offers a three-pronged service portfolio consisting of Consulting & Brokerage, Training & People Development, and Control & Analytics. These core services are complemented by specialized modules including Business & Risk Diagnostics, Profitability Optimization, Product Strategy, and Customer Experience & Loyalty. The technology stack includes Data Base Engine for master file production and data marts, Scoring Tools for risk/revenue/fraud/collection modeling, On-line Reporting (cloud or in-house), and Test Control Strategies. The company positions itself as a bridge connecting financial institutions with innovative fintech solutions through a structured process: Assess, Define Strategy, Implement, Control, and Learn.

Differentiator

Problem solved

Functional benefit

Products and services

• Consulting & Brokerage

Quantifiable outcome

• 30%+ increase in net profit for clients using Tensor Model™
• +2 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Quantum StrategicscoreStrategic or Co-development PartnerData-driven decision making partner specializing in data processing, modeling and reporting. Founded by Sergio Bahdur (former Chief Credit Officer of Citigroup Brazil and Colombia) and Xidi Wang (former Head of Analytics at Credicard and Citibank Brazil). Provides analytics consulting across the entire credit cycle.
• FinconectacoreTechnology or IntegrationDigital banking transformation partner focused on fintech leverage and open banking solutions. Helps financial institutions embrace digital transformation and leverage emerging fintech technologies.
• BankersLabcoreStrategic or Co-development PartnerTraining partner specializing in credit life cycle and bank innovation training. Provides digital and simulation-based training curriculum materials used in Dynamic's training programs.
• SaleslandminorChannel Partner/ Reseller/ DistributorWith 20 years of experience in Spain and America, provides points of sale, remote sale and digital channel services. Partner for distribution and sales channel optimization.
• NodoCXcoreStrategic or Co-development PartnerCustomer experience and loyalty specialist boutique consultancy. Co-founded by Juan Manuel Noya (30+ years at American Express). Specializes in customer experience strategy and implementation.
• 361° Training and ConsultingminorStrategic or Co-development PartnerTalent development partner specializing in leadership, communication, and productivity training programs. Active since 2003, provides blended leadership training programs.
• Allen AustinminorImplementation/ SI/ Consulting PartnerExecutive search services partner for hiring and recruitment of executive level positions. Provides talent acquisition services for leadership roles.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• FICO: Established analytics and credit decisioning platform with deep credit risk, fraud, and scoring capabilities. Comparable to the scoring tools and risk-revenue analytics within Dynamic's Control & Analytics stack.
• Accenture (Financial Services): Global consulting and technology services firm with major banking and payments practices. Overlaps with Dynamic on digital transformation and analytics, but at significantly larger scale and delivery capacity.
• Bain & Company: Global management consulting firm with strong financial services practice spanning retail banking, risk, and digital. Larger incumbent competing for the same senior-executive buyer as Dynamic.
• McKinsey & Company: Global strategy consulting giant with a large Banking & Securities practice. Competes for large transformation mandates with much greater bench and brand, but at a different scale and price point than Dynamic.
• Deloitte (Financial Services Advisory): Big Four advisory with a global financial services practice offering risk, regulatory, and digital transformation services. Competes for bank advisory mandates at a much larger scale.

Emerging players

• Earnix: SaaS analytics provider for pricing, risk, and personalization at financial institutions. Overlaps with Dynamic's Control & Analytics practice and the Tensor Model joint risk-revenue concept as a software-based alternative.
• MX Technologies: Financial data analytics and connectivity platform serving banks and credit unions. Comparable to the data-driven analytics and reporting layer in Dynamic's Control & Analytics offering.

Direct peers

• Oliver Wyman: Global management consulting firm with a deep financial services practice covering risk, retail and commercial banking, and digital transformation. Closest large-scale analog to Dynamic's risk advisory and analytics offering for banks.
• Cornerstone Advisors: US-focused financial services consulting firm advising banks and credit unions on strategy, technology, and risk. Highly comparable as a small specialty advisory serving financial institution clients.
• Novantas: Specialty management consulting firm focused exclusively on financial services, with deep practices in retail banking, pricing, and risk. Closest scale-comparable specialty competitor to Dynamic in the bank advisory space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/dynamic-business-mgt

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dynamic Business Management