Oscilar, an agentic artificial intelligence risk management platform for financial institutions, has appointed Sergio Costantini as general manager for Latin America. Costantini is a former chief operating officer at Santander Brasil and currently serves as president of ABFintechs, the association representing more than six hundred Brazilian fintechs. His arrival reinforces the company's strategy to expand its client base and partner network across Brazil, Mexico, Peru, and Uruguay.
A Seasoned Executive for Regional Growth
Costantini brings more than thirty years of experience across banking and financial technology, including leadership roles at Santander, ABN Amro, BBVA, Mambu, and Pismo. He also advises financial services practices and executive recruitment firms, giving him close contact with both established banks and emerging fintechs. At Oscilar, he will oversee go-to-market execution, customer relationships, and partnerships throughout Latin America.
Why Costantini Joined Oscilar
The executive said he does not associate his name with companies lightly and was attracted by the product, the team, and the regional opportunity. He pointed to the importance of unifying onboarding, fraud prevention, credit, and anti-money laundering within a single platform instead of operating separate systems. Costantini added that financial institutions need this type of integrated infrastructure as digital and instant transactions continue to accelerate.
Expansion Across Latin America
Oscilar already serves customers in Brazil, Mexico, Peru, and Uruguay, with a formally established operation in Brazilian territory. The company plans to triple its regional presence over the next twelve months after delivering fifteenfold growth in annual recurring revenue during the past two years. Its Latin American customer base includes Clara, Conta Azul, dLocal, Barte, and Konfío.
Real-Time Payments Are Reshaping Risk
Brazil's Pix system has made instant, around-the-clock account-to-account transfers the norm for consumers and businesses. That speed has forced fraud and credit decisions to occur in seconds rather than hours, exposing gaps in legacy infrastructure that handles onboarding, fraud, credit, and compliance in silos. Oscilar argues that criminal networks increasingly use artificial intelligence to exploit those gaps, making a unified risk platform essential.
Platform Capabilities and Local Integration
The company's platform combines onboarding, fraud prevention, credit, and anti-money laundering capabilities through one shared customer view. It can respond in less than one hundred milliseconds and process up to one hundred twenty thousand requests per second, while more than thirty artificial intelligence agents support analysis and policy changes. In Brazil, the system integrates with BigDataCorp to cross-reference data on more than two hundred fifty million individuals and sixty million companies.
Company Momentum and Capital Position
Human operators retain final control over material decisions even as the platform's agents assemble context, draft recommendations, and document reasoning. Oscilar remains self-funded with twenty million dollars in founders' capital and no external investment. The company serves more than one hundred institutions globally and processes tens of billions of risk decisions each year.
Founder and Market Perspective
Oscilar was founded by Neha Narkhede, co-creator of Apache Kafka and co-founder of Confluent, and Sachin Kulkarni, former senior engineering leader at Meta. Narkhede said Costantini understands both how institutions select critical infrastructure and what is needed to earn their trust. She added that the company is already building a relevant business in Latin America and expects his operational experience to accelerate regional growth.
Costantini's appointment highlights the growing importance of Latin America in the global market for real-time financial risk infrastructure. His combined background in banking operations, technology vendors, and fintech leadership aligns with Oscilar's goal of supporting institutions as instant payments accelerate fraud and credit decisions. The next twelve months will test whether the company can convert regional momentum into long-term client adoption.