Juliana Strohl: Transforming Fintech Operations across Brazil

Women leaders in the financial industry are redefining the future of business by driving innovation, strengthening governance, and creating more inclusive and sustainable financial ecosystems.

What are the biggest financial challenges businesses face today, and how is Kamino addressing them?

I see financial fragmentation and incomplete data visibility as one of the most persistent challenges businesses face today. Many companies still operate across multiple banks, disconnected expense tools, and legacy systems, which forces teams into heavy manual work, delayed payments, and limited real-time understanding of cash flow. This slows down decision-making and keeps finance functions reactive rather than strategic.

At Kamino, we address this by consolidating payments, corporate cards, reconciliation, and credit solutions into a single intelligent platform. By automating financial workflows and centralizing operations, we eliminate inefficiencies and reduce fragmentation.

What once took days of manual reconciliation becomes real-time visibility and execution, enabling finance teams to focus less on operational burden and more on driving growth and strategic planning.

How do you ensure innovation and regulatory responsibility go hand in hand?

I come from a background in legal, regulatory, and people leadership, so I naturally see compliance as an enabler rather than a constraint. In fintech, there is often a misconception that regulation slows innovation, but I believe the opposite is true when it is built into the foundation from the start.

At Kamino, we apply a compliance-by-design approach, meaning regulatory thinking is embedded directly into product and operational decisions from day one. This ensures that we build with scalability, trust, and security in mind, rather than retrofitting compliance later.

At the same time, I focus heavily on building a culture of accountability and clarity within teams, where people understand not just what we are doing, but why it matters. When teams are aligned on ethics and responsibility, innovation becomes more focused, faster, and far more sustainable.

How do you see fintech trends like Open Finance shaping the future?

I believe Brazil is at the forefront of global financial innovation, largely driven by initiatives like PIX and Open Finance. Over the next few years, I see the industry moving beyond infrastructure-level improvements toward deeply embedded, intelligent financial ecosystems.

Banking and financial services will become increasingly invisible - fully integrated into business operations rather than being standalone systems. Financial data will flow securely and automatically across platforms, removing the fragmentation that companies struggle with today.

This shift will unlock predictive cash-flow forecasting, faster and more accurate credit decisions, and increasingly autonomous business-to-business transactions. Ultimately, fintechs that succeed will be those that transform raw financial data into actionable intelligence that supports better decision-making.

What leadership values guide you as a woman in fintech?

The values that guide me most are transparency, resilience, empathy, and radical candor. In an industry that has traditionally been male-dominated, I believe intentional leadership is essential to building strong and balanced teams.

At Kamino, I place a strong emphasis on creating psychological safety, where people feel comfortable expressing ideas, challenging assumptions, and learning from mistakes. I don’t believe leadership is about having all the answers - it is about creating the conditions for others to do their best work. When teams feel trusted, supported, and accountable, they are able to innovate with much greater confidence and impact.

Juliana Strohl, Fintech Executive & Co-Founder, Kamino

Juliana Strohl is a fintech executive and co-founder of Kamino, where she serves as CLO and CHRO. With expertise in legal, regulatory, and corporate governance, she builds financial automation platforms in Brazil. She focuses on compliance-by-design, operational efficiency, and innovation, helping businesses centralize payments, reconciliation, and financial management systems today.