Michael Ruckman President - Senteo International Michael is the founder and President of Senteo, and head of the offices in Russia and Nevada. During his career, he has worked both as a retail banker and as a consultant for retail banks around the world. He has worked in over 16 countries, and has delivered work from strategy through implementation in areas such as retail strategy, retail banking transformations, branch and alternative channel roll-outs, sales development and training, strategic alliances and ventures, and systems implementation. He is viewed as an expert in retail banking and has worked to launch several successful projects with brands such as Atlantico (Millennium BCP), Abbey National, Citibank, Banco Venezolano, ING, Vneshtogbank, Bank Menetep SPb and Alfa Bank. Michael completed his studies at the University of San Francisco and speaks Russian, Spanish and Czech in addition to his native English.