Fuerza del Futuro: A Hispanic Heritage Month Event Celebrating Entrepreneurship and Innovation
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December 
1
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December 
2
, 
2023
Starting at 
10:30am 
EST
Fuerza del Futuro: A Hispanic Heritage Month Event Celebrating Entrepreneurship and Innovation
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Fuerza del Futuro: A Hispanic Heritage Month Event Celebrating Entrepreneurship and Innovation
Tuesday
, 
October 
1

12:30pm - 7:30pm PDT

Join us for the day, or swing through as you can!

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What to Expect

Join SVB Catalyst 2045 as we celebrate Hispanic Heritage Month with a dynamic, all-day event dedicated to honoring the achievements and contributions of Hispanic founders and investors.


This in-person event offers a unique blend of insightful panel discussions, where industry leaders will share their journeys and strategies for success, and a high-energy startup pitch competition, showcasing the brightest emerging talent in the Hispanic community. The day will conclude with a networking reception, providing an opportunity to connect with fellow innovators, investors, and changemakers.


Don’t miss this day of inspiration, empowerment, and celebration as we build a stronger, more inclusive entrepreneurial ecosystem.

Please note: Registration for all attendees is required to attend. Space is limited. All attendees must be 21+ years of age. Lite bites and beverages will be provided throughout the event.



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Agenda

Day 1
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Day 2
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Day 3
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Day 4
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Day 5
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Afternoon Session

Speaker info coming soon! 

12:30 - 1:00 PM PDT

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Attendee Arrivals & Check-In


Grab & Go Lunch to be provided (until supplies last)

Equinox Golf Resort & Spa

1:00 – 1:15 PM PDT

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Welcome Remarks


Presented by: Sharon Marichalar, SVB Catalyst 2045

Great Room

1:15 – 2:15 PM PDT

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Community as a Catalyst: Leveraging Collective Strength in Startup Growth

The journey of building a company is not a solo endeavor—it thrives on the strength of a community. This panel brings together experienced founders to discuss the pivotal role that community plays in a startup’s growth and sustainability. From creating brand evangelists to securing strategic partnerships, we’ll explore how a well-connected community can propel your company forward, offering resilience and support in an ever-changing market.

Moderated by: Tosh Ernest, Head of SVB Catalyst 2045

 

Featured Panelists:
Bismarck Lepe, Founder & Executive Chairman, Wizeline
Loni Olazaba, Head of Talent Acquisition, Ceribell
Laura Maydón, Founder & Partner, Ascendo VC

Rockwell Courtyard

2:30 - 4:00 PM PDT

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StartupOS Pitch Competition

Silicon Valley Bank and StartupOS are proud to partner in presenting this event, open exclusively to early-stage startup teams. The Hispanic Heritage Month pitch competition is looking to discover and support emerging segments (Latinx) founders building impactful technology companies.

Opening Remarks: Alex Addario, SVB Market Manager - Fintech

 

Finalists:

Paola Restrepo & Andres Vallejo, 360 Sierra

Miguel Zepeda, Complify

Armando Torres, KARDA

Luciano Oviedo, LearnHaus

Demi Oloyede, Limpiar


Judges:

Bismarck Lepe, Executive Chairman, Wizeline

Jolynn Vallejo, Chief of Staff, Kapor Capital

Eugenio Gonzalez, Partner, Plug & Play Ventures

Armando Argueta, VP, SVB Startup Banking

Equinox Golf Resort & Spa

Evening Session

Speaker info coming soon!

4:15 - 5:15 PM PDT

Latinx Investors Shaping the Future: Success Stories and Systemic Challenges

Latinx investors are carving out a space in venture capital, contributing to a more diverse and dynamic industry. This panel will highlight the successes and challenges faced by Latinx investors as they navigate the complexities of the VC world. Hear from influential voices as they share their experiences, discuss the barriers they’ve broken, and address the ongoing hurdles that need to be overcome. This conversation will provide valuable insights into the impact of Latinx investors and the strategies they’re using to foster a more inclusive environment in the venture capital community.

Moderated by: Hector Ramos, Director of Investments, ICA Fund


Featured Panelists:

Kerstin Dittmar, Founder & Managing Partner, L2 Point Management

Jolynn Vallejo, Chief of Staff, Kapor Capital
Eugenio Gonzalez, Partner, Plug & Play Ventures

Equinox Golf Resort & Spa

5:30 – 7:30 PM PDT

Art, Culture and Connection Networking Reception

Close out the day with a networking reception that celebrates the vibrant creativity of Latinx artists. This special event will feature diverse array of art - featuring Project Rubix and more - reflecting the rich cultural heritage and contemporary experiences of the Latinx community.


Mingle with fellow founders, investors, and industry leaders in a relaxed atmosphere where you can connect over shared passions and discover the powerful stories behind the artwork on display.

Lite bites, beer, wine and featured aguas frescas to be provided.

Great Room

Show Her The Money

About the film:

The award-winning documentary ‘Show Her The Money' showcases the opportunity we unlock by funding female founders, the systemic gaps in funding, and demystifies what venture capital is.


Featuring rock-star female investors who invest in diverse women entrepreneurs with innovations that will change the world, ‘Show Her The Money’ reminds us that money is power, and women need it to achieve true equality.

Day 1 - Dec 1

DAY 1

1:00 pm EST

Welcome

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Speakers:

Pam Beesly

Venue:

SVB HQ, Main Conference Room

DAY 1

1:00 pm EST

Key Insights

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Speakers:

Michael Scott

Jim Halpert

Venue:

SVB HQ, #2202

DAY 1

1:00 pm EST

Analysis

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Speakers:

Dwight Schrute

Venue:

SVB HQ, #2202

DAY 1

1:00 pm EST

Questions

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Speakers:

Pam Beesly

Venue:

SVB HQ, #2202

Afternoon Session

DAY 2

11:30am - 12:00pm  PDT

Arrivals & Check-In






Venue:

SVB HQ, Main Conference Room

DAY 2

12:00 - 1:00pm PDT

Welcome + Panel with SomosVC

Session Description TBD

Moderator:

Vanessa Di Frances, SVB


Speakers:

TBD Speaker 1

TBD Speaker 2


Break: 1:00-1:15pm PDT

Venue:

SVB HQ, #2202

DAY 2

1:15 - 3:45pm PDT

StartupOS Pitch Competition

Session Description TBD

Judges:

Jennifer Friel Goldstein, SVB

TBD Judge 2

TBD Judge 3


Mentors:

Isa Abney

Julie Wagne

Vanessa Di Frances, SVB

Tina Tran

Ronnie Harris II, SVB


Break: 3:45-4:15pm PDT

Venue:

SVB HQ, #2202

Evening Session

DAY 2

4:15 - 6:00pm PDT

Evening Session Welcome + Exclusive Screening of Show Her The Money


Welcome Remarks:

Naseem Sayani, Emmeline Ventures




Break: 6:00-6:15pm PDT

Venue:

SVB HQ, Main Conference Room

DAY 2

6:15 - 7:00pm PDT

Fireside Chat

Featuring insights from participants of the feature film.

Moderator:

Naseem Sayani, Emmeline Ventures


Speakers:

Wendy Ryan

Melissa Pancoast

TBD Speaker 3

TBD Speaker 4


Venue:

SVB HQ, #2202

DAY 2

7:00 - 8:00pm PDT

Networking Wine Reception

Enjoy a glass of SVB client wine while connecting with fellow attendees.

Featuring SVB Wine Client "X"

 





Venue:

SVB HQ, #2202

Day 3 - Dec 3

DAY 3

1:00 pm EST

Welcome

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Speakers:

Pam Beesly

Venue:

SVB HQ, Main Conference Room

DAY 3

1:00 pm EST

Key Insights

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Speakers:

Michael Scott

Jim Halpert

Venue:

SVB HQ, #2202

DAY 3

1:00 pm EST

Analysis

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Speakers:

Dwight Schrute

Venue:

SVB HQ, #2202

DAY 3

1:00 pm EST

Questions

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Speakers:

Pam Beesly

Venue:

SVB HQ, #2202

Day 4 - Dec 4

DAY 4

1:00 pm EST

Welcome

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Speakers:

Pam Beesly

Venue:

SVB HQ, Main Conference Room

DAY 4

1:00 pm EST

Key Insights

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Speakers:

Michael Scott

Jim Halpert

Venue:

SVB HQ, #2202

DAY 4

1:00 pm EST

Analysis

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Speakers:

Dwight Schrute

Venue:

SVB HQ, #2202

DAY 4

1:00 pm EST

Questions

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Speakers:

Pam Beesly

Venue:

SVB HQ, #2202

Day 5 - Dec 5

DAY 5

1:00 pm EST

Welcome

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam.

Speakers:

Pam Beesly

Venue:

SVB HQ, Main Conference Room

DAY 5

1:00 pm EST

Key Insights

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. 

Speakers:

Michael Scott

Jim Halpert

Venue:

SVB HQ, #2202

DAY 5

1:00 pm EST

Analysis

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim.

Speakers:

Dwight Schrute

Venue:

SVB HQ, #2202

DAY 5

1:00 pm EST

Questions

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Speakers:

Pam Beesly

Venue:

SVB HQ, #2202

Featured Speakers

Tosh Ernest

Head of SVB Catalyst 2045

Silicon Valley Bank

Tosh Ernest is head of SVB’s Catalyst 2045 program, a platform through which the company delivers products, tools, advice and resources to Emerging Segments groups in the innovation economy with a focus on serving Women, Black and Latinx individuals. By leveraging powerful connections among founders, funders and talent, SVB is unlocking greater access to capital, professional relationships and career opportunities. In her role, Tosh is helping expand the program and increase opportunities across SVB’s core businesses. She joined SVB in 2022.

 

Tosh leads SVB’s efforts to extend its commitment to Women, Black and Latinx client, beyond its walls as it seeks to help transform the innovation economy. The innovation economy ecosystem offers stimulating careers and wealth generation opportunities, but due to systemic and historical barriers, there are too few women, Black and Latinx individuals who get to take part. As a company that has been at the center of innovation for 40 years, SVB is in a unique position to make its Catalyst 2045 mission a reality.

 

Before joining SVB, Tosh spent more than a decade at JPMorgan Chase & Co., where she founded the wealth division of the Advancing Black Pathways initiative, which focused on bridging the racial wealth gap. Tosh and her team steered the firm’s multimillion-dollar commitment to racial equity by developing strategies for the economic inclusivity of Emerging Segments groups. Additionally, she served as a strategic advisor to senior management and community leaders on economic opportunities for underserved communities. During her time with the organization, Tosh led large-scale change management and transformation initiatives through her work with various multinational teams to plan and deliver mission-critical new business products, including launching a mutual fund company that scaled to $40 billion in assets under management, a driving strategy for emerging managers, venture capital and private equity funds. Earlier in her career, she held roles at consulting firms Navigant, Capco and Accenture, specializing in post-merger and acquisition systems integrations.

 

Tosh earned her bachelor’s degree in accounting and management from the University of Reading in England. She was recognized as one of the 25 Influential Black Women in Business by The Network Journal in 2021.

 

Outside of the office, Tosh loves to volunteer for her church, travel to far-flung locations, run, bike and read.

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Sharon Marichalar

SVB Catalyst 2045

 Silicon Valley Bank

Sharon Marichalar leads the Program Management Office for Catalyst 2045, SVB’s company-wide effort to increase the representation of Women, Black, and Latinx founders and investors in innovation.


Sharon’s journey with SVB began in 2018 when she joined as a corporate intern through the Year Up workforce development program. Since then, Sharon’s role has continued to expand, encompassing event management, talent development, program operations, and building partnerships with Latinx-serving organizations.


Currently, Sharon supports Catalyst 2045’s emerging segment strategies, with a focus on facilitating connections for early-stage founders to networks, information, and resources designed to increase their probability of success.


Sharon is a proud 2nd generation Mexican American with indigenous roots tracing back to the Mescalero Apache tribe of New Mexico, where her grandfather was born. In her free time, Sharon enjoys writing poetry and spending time with her family—especially her 90-year-old grandfather, who is her best friend.


A Bay Area native, Sharon now calls San Diego, CA home.

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Bismarck Lepe

Founder & Executive Chairman

Wizeline

Bismarck Lepe, Founder and Executive Chairman at Wizeline, is a seasoned Silicon Valley entrepreneur and investor. He founded Wizeline in 2014 with the mission to help companies build better products faster by making innovation accessible to all organizations.


Bismarck is Mexican American and the son of two immigrants from a small town in Jalisco, Mexico. He left a successful career path as an early employee at Google to start his own online video platform company, Ooyala, which sold for $400M to Telstra in 2014. For more than a decade, Bismarck has pioneered Mexico-Silicon Valley cross-border collaboration with Ooyala and now at Wizeline. Bismarck is passionate about driving economic growth in the global communities where Wizeline operates. In 2015, he founded Startup GDL, a non-profit organization committed to making Guadalajara a leader in innovation.


In his free time, Bismarck enjoys spending time with his family and is an avid runner. Bismarck graduated from Stanford with a BA in Economics.

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Loni Olazaba

Head of Talent Acquisition

Ceribell

Loni Olazaba is a Bay Area native born in Palo Alto, CA and raised in Sunnyvale, CA.


As a Talent Acquisition professional, she has recruited technology talent and led recruiting teams in the valley for 20+ years, working for established organizations such as Google, PayPal, TiVo, LinkedIn (where she was for months shy of a decade), and Robinhood.


She is currently Head of Talent Acquisition at Ceribell, the developer of the first AI-powered point-of-care EEG diagnostic system, that is revolutionizing seizure management in acute care. In 2020, after becoming Co-Chair of LinkedIn’s Employee Resource group HOLA, she made the decision to also dedicate her career to Inclusion, Equity and Belonging in the workplace. As an active Ambassador, she focuses on advocacy and leading/supporting inclusive hiring efforts.


Loni has a sincere passion for matching talent with opportunity and helping fellow professionals flourish in their career! Outside of work, she enjoys spending time with her husband and four children, listening to music, dancing, meditating, and being in nature!

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Laura Maydón

Founder & Partner

Ascendo VC

Laura is a Latina founder, operator and investor. She is the founder of Ascendo, a venture capital firm unlocking trillions of dollars of untapped opportunities through inclusive investing in underserved markets, including the Latin, Black and female economies.  Ascendo leverages diversity as a strategic advantage in the pursuit of alpha. Ascendo invests in groundbreaking founders building disruptive technologies that address the needs of growing demographic segments and that empower women as catalysts of economic growth, across Fintech, Edtech, Future of Work, Health-tech and Enterprise Software.

 

Prior to Ascendo, Laura co-founded Endeavor Miami in 2013, the first US affiliate of the global entrepreneurial organization, pioneering Miami’s entrepreneurial hub. During the time she led the organization, Laura built a portfolio of more than 20 companies which generated over $250 million in revenues, several with substantial exits. Prior to Endeavor, she held several leadership positions at Visa and Panamco (NYSE - Coca-Cola bottler). Laura has strong Fintech, M&A and private equity backgrounds.

 

Laura serves on the Board of International Money Express (NASDAQ: IMXI) and as a Member of the Investment Committee of Salkantay Ventures. Laura volunteers as Steering Committee Member of All Raise Miami Chapter, as Member of NWS Digital Committee and as Vice-Chair of the HBS Women’s Alumnae Board. Laura has an M.B.A. from Harvard Business School and a B. S. in Economics (Summa Cum Laude) from I.T.A.M. in Mexico City.

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Hector Ramos

Director of Investments

 ICA Fund

Hector Ramos is the Director of Investment at ICA Fund, a nonprofit VC firm focused on backing Main Street, CPG, and technology companies led by diverse and mission-aligned entrepreneurs.


Hector leads the sourcing and investment process for the Growth Fund and is responsible for portfolio and co-investor management. He works cross-functionally to support entrepreneurs with growth strategies, capital raising, and revenue-generating opportunities.


He’s also an Angel investor and runs a small syndicate.

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Kerstin Dittmar

Founder & Managing Partner

L2 Point Management

Kerstin Dittmar is the Founder and Managing Partner of L2 Point Management, a woman-owned and led manager with over $500 million in AUM. L2 Point is focused on structured equity solutions for late-stage growth companies, targeting investments intended to provide “growth-equity-like” returns at a portfolio level, with significantly lower volatility of outcomes, while addressing a risk reward gap left in between credit and equity funds.

 

Ms. Dittmar was previously an early team member at Sixth Street, a $70+ billion AUM special situations platform. Prior to Sixth Street, Ms. Dittmar worked in the Americas Special Situations Group at Goldman Sachs. Ms. Dittmar serves on the Board of Directors of Wasabi Technologies, Fabletics, SimSpace and Revolution Foods.


Ms. Dittmar received a B.A. in Economics from Duke University.

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Jolynn Vallejo

Chief of Staff

Kapor Capital

Jolynn Vallejo is the Chief of Staff at Kapor Capital. She supports the General Partners and manages investor relations, operations, and fund reporting. Jolynn oversees a portfolio of over 138 active companies and authors the firm's annual impact reports. She is actively engaged in the LatinX venture and founder community and is Kapor’s source lead for LatinX founded companies.


Prior to Kapor, she was the Director of LatinSF, the economic development arm of the city of San Francisco focused on investment between the Latin American region and the city. Under her tenure, she secured $25.5 Million in investment, generated 350+ jobs and advised over 100 LatinX/Latin American startup founders.


She is also a former founder of a record label with a catalog of 27 Latin American artists.


Jolynn is a proud San Francisco native of Ecuadorian heritage.

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Eugenio Gonzalez

Partner

Plug & Play Ventures

Eugenio is a Partner at Plug and Play Ventures, where he leads investments in startups raising early-stage funding in InsurTech, FinTech, AI, Cybersecurity, and enterprise software. Eugenio spearheads Plug and Play's Financial Services Fund.


Eugenio joined Plug and Play from Carey, the largest law firm in Chile, where he led investments and M&A transactions across banks and financial institutions. At Carey, Eugenio was centrally involved in the acquisition of City National Bank of Florida and established major technology and strategic partnership relationships.


Eugenio has an MBA from MIT Sloan and a JD from Universidad de Chile.

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Pitch Competition

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The Finalists

Portrait

Paola Restrepo

Co-Founder | 360 Sierra

The 360 Sierra platform makes renting a camper as simple as clicking a button. Their AI-powered solution opens up nature to more people by making camping easier and more accessible.


As a 3-time founder, Paola Restrepo has always championed accessibility, beginning her career developing software for individuals with visual impairments. Inspired by her own transformative connection to nature, she’s dedicated to creating inclusive outdoor experiences.

 

Alongside her Co-Founder and CTO, Andres Vallejo, they lead together with grit and a passion for making outdoor adventures accessible to all.



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Andres Vallejo

Co-Founder & CTO | 360 Sierra

The 360 Sierra platform makes renting a camper as simple as clicking a button. Their AI-powered solution opens up nature to more people by making camping easier and more accessible.


Andres Vallejo, a 5-time founder with over 18 years of experience in IoT, AI, and ML, has built his career around using technology to solve real-world problems that enhance everyday life. As CTO of 360 Sierra, Andres brings his expertise in creating scalable, data-driven systems that ensure seamless customer experiences.


Alongside his Co-Founder, Paola Restrepo, they lead together with grit and a passion for making outdoor adventures accessible to all.


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Miguel Zepeda

CEO & Co-Founder | Complify

Complify is the next generation "Servicenow' compliance platform for financial institutions that orchestrates silo data, Al native functions and RPA modules to reduce manual processes.


Miguel Zepeda’s 15-year career at the intersection of banking and technology is marked by his ability to spot opportunities and act decisively. As the founder of Complify, he’s transforming how financial institutions handle compliance by integrating AI and automation to streamline processes and reduce inefficiencies. Miguel’s track record includes leading PayActiv’s consumer banking expansion and founding Brink’s Money, where he grew the fintech division to nearly $3 billion in deposits. His expertise also shaped large-scale investments across Latin America during his tenure at America Movil, one of the world’s largest telecom providers.


Driven by his focus on practical solutions and bold execution, Miguel is reshaping compliance for a new generation of financial institutions.


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Armando Torres

CEO & Co-Founder | KARDA

KARDA's Al-powered platform automates the generation of reports for police officers directly from body camera footage, significantly reducing the time and effort required and freeing up officers to focus on their core duties.


Armando Torres is the founder and CEO of KARDA, Inc., an AI company revolutionizing data management for law enforcement. A Gates Scholar, Milken Scholar, and recipient of the Stanford Award of Excellence, Armando's academic and professional achievements reflect his dedication to ethical AI innovation. With a background in chemical engineering from Stanford, he has led KARDA to partner with industry leaders and make significant strides with U.S. law enforcement, including the Boston Police Department.


Armando’s mission is to create responsible AI solutions that enhance public safety and accountability. Driven by a belief in technology's potential to positively impact communities, Armando is committed to shaping AI solutions that are as responsible as they are innovative.


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Luciano Oviedo

CEO & Founder | LearnHaus

LearnHaus, a Techstars-backed startup, is focused on enhancing human learning through machine learning/AI technology within the education and corporate workforce/skills development sectors.


As CEO/Founder of LearnHaus, Luciano Oviedo brings over 12 years of experience in new product development and corporate strategy from his time at Intel Corporation, where he specialized in strategy for emerging technologies. His work spans multiple disciplines, including social innovation, open strategy, and the impact of emerging technologies, particularly AI, on education and the future of work. He has conducted research at prestigious institutions such as the Santa Fe Institute, Saïd Business School at Oxford, and Arizona State University.


Luciano left the corporate tech world to pursue his passion for tech strategy and social innovation, believing startups are a key avenue for driving positive change. With LearnHaus, he's focused on addressing the social impacts of AI on education and skills development, aiming to create solutions that generate meaningful, lasting impacts in the field of learning and work.


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Demi Oloyede

Founder | Limpiar

Limpiar is the easiest way to book reliable cleaners using AI-enabled flexible scheduling, easy booking, secure payment and real-time tracking.



Demi Oleyede’s entrepreneurial journey began with the challenges she faced as a first-generation immigrant navigating her career in IT management and marketing. Despite her qualifications, she battled imposter syndrome, often questioning her place in the professional world. However, the decision to launch Limpiar, an eco-friendly cleaning services company, brought clarity to her purpose. Demi’s desire to create healthier, non-toxic solutions for homes and businesses was fueled by her personal struggles to find safe cleaning options for her own family. Leaning into community and mentorship inspired her to push forward and build an AI-powered platform that makes booking reliable, sustainable cleaning services seamless and stress-free. 


Demi is on a mission to redefine the cleaning industry with a focus on health, wellness, and environmental responsibility.


Partners

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Pitch Competition Founders

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Pitch Competition Judges

Asya Bradley

Serial Founder, Super Angel and LP


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Jennifer Friel Goldstein

Head of Startup Banking, Business Development, and Strategic Initiatives

Silicon Valley Bank

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Laura Moreno Lucas

General Partner

L'ATTITUDE Ventures

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Naseem Sayani

Co-founder

Emmeline Ventures

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Venue & Contact

Venue details will be shared upon registration.

Questions? Please email Brooke Jones at broojones@svb.com. 

Event Recap

Frequently Asked Questions

What's the best airport to fly into?

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What's the dress code?

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Can I change my activity selection once I have registered?

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Will meals be provided throughout the day?

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Resources

Join SVB Catalyst 2045 as we celebrate Hispanic Heritage Month with a dynamic, all-day event dedicated to honoring the achievements and contributions of Hispanic founders and investors.


This in-person event offers a unique blend of insightful panel discussions, where industry leaders will share their journeys and strategies for success, and a high-energy startup pitch competition, showcasing the brightest emerging talent in the Hispanic community. The day will conclude with a networking reception, providing an opportunity to connect with fellow innovators, investors, and changemakers.


Don’t miss this day of inspiration, empowerment, and celebration as we build a stronger, more inclusive entrepreneurial ecosystem.

Startup Banking

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Learn More
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Venture Funded

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Corporate Banking

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Let us know if you can make it!

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All non-SVB named companies listed are independent third parties and are not affiliated with Silicon Valley Bank, a division of First-Citizens Bank & Trust Company.


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Visit our Privacy Statement for information about our privacy practices. If you have any questions or concerns about our Privacy Statement, please contact us by email: privacyquestions@firstcitizens.com.

 

 

Banking, lending, and trust products or services are offered by Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Accounts are subject to credit approval. Restrictions and limitations may apply.  

 

©2025 First-Citizens Bank & Trust Company. All rights reserved. Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Member FDIC.

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