{"id":55332,"date":"2021-02-23T06:43:30","date_gmt":"2021-02-23T11:43:30","guid":{"rendered":"https:\/\/www.bloomberg.com\/professional\/insights\/markets\/sergio-karlezi\/"},"modified":"2024-04-12T09:49:41","modified_gmt":"2024-04-12T13:49:41","slug":"sergio-karlezi","status":"publish","type":[3766],"link":"https:\/\/www.bloomberg.com\/professional\/insights\/markets\/sergio-karlezi\/","title":{"rendered":"Sergio Karlezi of Banco de Chile: When the financial and digital worlds cross paths"},"content":{"rendered":"<div  class=\"bbg-row-container\">\n    <style>section[data-anchor=row-69ff20c50cc42]::before {\n\t\t\t\tbackground-color: #eeeeee;\n\t\t\t}<\/style>\n    <section class=\"bbg-row bg--custom-color  bg--eeeeee text--black bbg-row--full-bg-bleed\" data-anchor='row-69ff20c50cc42'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8 bbg-column--valign-bottom\"\n    style=\"\"\n    >\n    <p>    <ul class=\"bbg-categories_list\">\n                    <li>\n                <a href=\"https:\/\/www.bloomberg.com\/professional\/insights\/category\/markets\/\" rel=\"category tag\">\n                    Markets\n                <\/a>\n            <\/li>\n            <\/ul>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 24px !important\"\n    >\n<\/div>    <h1 class=\"bbg-metadata bbg-metadata--title\">Sergio Karlezi of Banco de Chile: When the financial and digital worlds cross paths<\/h1>\n<\/p>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-compact row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff20c514302'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p>    <p class=\"bbg-metadata bbg-metadata--date\">February 23, 2021<\/p>\n<div class=\"wpb_content_element bbg-card  quote\" id=\"card_1\" data-card_type=\"no_image\">\n  \n  \n  <div class=\"bbg-card__innerwrapper\">\n    <div class=\"bbg-card__content\">\n      \n      \n      \n              <div class=\"bbg-card__wysiwyg bb-wysiwyg\"><div class=\"noBackground\"\n><\/p>\n<div class=\"quote-content-wrapper\">\n<div class=\"quotebody\">\n<p class=\"large\">\u201cYour success will be your people, and you should have the peace of mind to delegate and trust that they will do everything well.\u201d<\/p>\n<div class=\"cite\">\n<p>\n          <strong>Sergio Karlezi<\/strong><br \/>\n          <span class=\"attribution\"><\/span>\n        <\/p>\n<\/p><\/div><\/div><\/div>\n<\/div>\n<\/div>\n          <\/div>\n\n      <\/div>\n\n  <\/div>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 40px !important\"\n    >\n<\/div><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>Sergio Karlezi<\/strong><br \/>\nTreasury Division Manager | Banco de Chile, Chile<\/p>\n\n<\/div>\n<div\n    class=\"bbg-spacer bbg-spacer--md\"\n    >\n<\/div><div id=\"\" class=\"wpb_content_element bbg-single-image align-center\">\n    <figure class=\"bbg-single-image__figure\" style=\"max-width:300px\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"552\" height=\"552\" src=\"https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/10\/1-Sergio-Karlezi-715-x-715.jpg\" class=\"bbg-single-image__image attachment-medium\" alt=\"Sergio Karlezi 715 x 715\" title=\"1-Sergio-Karlezi-715-x-715\" srcset=\"https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/10\/1-Sergio-Karlezi-715-x-715.jpg 552w, https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/10\/1-Sergio-Karlezi-715-x-715.jpg 715w\" sizes=\"auto, (max-width: 552px) 100vw, 552px\" \/>\n        \n            <\/figure>\n<\/div>\n\n<div\n    class=\"bbg-spacer bbg-spacer--sm\"\n    >\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff20c51ff3d'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>When digital meets finance<\/strong><\/p>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>\u201cWe had to start making decisions, with very limited information and right away to keep everything working,\u201d said the Treasury Department manager of Chile\u2019s largest bank. \u201cWe had our hands up in the air, wondering what superhero to call on to save us.\u201d<\/p>\n<p>According to the executive, that was the most impactful moment of his 25 years in finance, during which he experienced situations such as multiple NASDAQ crises, earthquakes, strikes, the September 11 attacks and the current COVID-19 pandemic.<\/p>\n<p>\u201cAll of this makes the job very challenging,\u201d says the industrial civil engineering graduate of the University of Santiago de Chile.<\/p>\n<p>\u201cThe day of the cyberattack we had to innovate and improvise immediately, and were able to keep everything working thanks to a team that knew what they were doing, despite being faced with a situation that didn\u2019t come with a protocol or any instructions on how to deal with it,\u201d he passionately relates from his office in the Chilean capital.<\/p>\n<p>Compared with other crises that he has had to overcome, this one was unique because nobody else was affected by it at the same time. As an institution, they had to face it alone, and even though the process was long, there was a great deal of satisfaction in successfully keeping everything working. \u201cIn finance, you face something new every day, and you have to be prepared for any surprise,\u201d he says.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff20c522f16'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>Gaining experience<\/strong><\/p>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>However, it was no coincidence that Karlezi was able to overcome a challenge like this one. The path that led him to this core position at the Bank of Chile started from the bottom, serving coffee. He spent time working in FX, derivatives or fixed-income instruments, which gave him the ability to see things differently because he knows his bank from the inside out.<\/p>\n<p>\u201cIt\u2019s a continuous learning process. You have to see how the world changes and adapt. I\u2019ve been lucky to always have someone smart at my side along the way,\u201d he adds.<\/p>\n<p>Having worked in the bank\u2019s different areas also makes it easier for him to delegate work and empower people. \u201cWhen your career is in a single sector, in my case finance, you try to pass on your knowledge by example.\u201d<\/p>\n<p>He recommends always being empathic with team members and honestly caring about them. \u201cYour people are the foundation of your success. You have to be able to delegate work without worrying and trust that they will do a good job,\u201d he recommends.<\/p>\n<p>\u201cYou spend most of your life at work, so have a good time! To do that, you have to create an environment where people come to work happy, because if that\u2019s the case, you have more affection, and if you have more affection, things are going to go well,\u201d he assures.<\/p>\n<p>A proponent of inclusiveness and diversity, Karlezi\u2019s team has members with different professional backgrounds and personalities. \u201cHaving other viewpoints is valuable. I love diversity and work with people who are 25, 30, 50 or 55 and from different universities,\u201d he says.<\/p>\n<p>This perspective is not just a result of his career path but also his personal life experience. When he was in university, he considered working at a factory or a mine, and was a fan of math and history, but one day he did an internship at the Bank of Chile. \u201cThey told me to stay and I stayed.\u201d<\/p>\n<p>From a family of Croatian immigrants, his university studies began in Venezuela, at a school that he describes as \u201csomewhat elitist,\u201d but when he came to Chile, he continued his degree at a public university. \u201cIt was a life experience that let me compare both worlds and taught me to see all sorts of realities, which helped to shape who I am,\u201d he adds.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff20c525b4a'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>The relevance of the digital world<\/strong><\/p>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>Even though the cyberattack showed him an unpleasant part of the digital world, Karlezi says that if he had not ended up working in finance, he would have loved to work in technology.<\/p>\n<p>\u201cI\u2019m a huge Apple fan and admire Steve Jobs because he was behind all of those changes. I lived in the United States when the iPod came out, and it changed my life because I could listen to music while commuting from Connecticut to Manhattan every day,\u201d he recalls.<\/p>\n<p>\u201cThe world of technology fascinates me, plus it\u2019s very similar to finance.\u201d<\/p>\n<p>With regard to banking, he says that it has a lot of room to grow and innovate in the field of digitalization, especially in terms of subjects such as quality of service. \u201cThat\u2019s because I think that banking should be customer-focused,\u201d he argues.<\/p>\n<p>\u201cToday we have services like ApplePay or Google Pay, applications that manage much larger amounts of money in their checking accounts than a bank, so banks have to adapt to this change,\u201d he suggests.<\/p>\n<p>He believes that banking should focus on service innovation rather than simply product innovation. \u201cWe are really good at lending out money and taking care of our customers\u2019 deposits; we have the right products which are tried-and-true, fully developed and operational. So, you have to sell these products in a way that makes more sense for your customers,\u201d he stresses.<\/p>\n<p>The current situation, in which the confinement caused by COVID-19 has triggered multiple years\u2019 worth of digital adoption, has highlighted the importance of the technology industry and that practically there are no more borders. Banking has to learn this lesson as well,\u201d he says.<\/p>\n<p>\u201cWho will want to go to the bank in a few years? I go to the bank because I work there, but I do all of my personal operations on applications. There is the element of habit, because lots of people like to go to the bank, but 15 years from now, the people who are 20 now are going to be 40, and they will be completely digitalized,\u201d he warns.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff20c5289d0'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>Face-to-face communication is better<\/strong><\/p>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>Karlezi says that even though communication today is carried out mainly over platforms like Instagram or Facebook, society will eventually go back to direct contact and personal communication.<\/p>\n<p>\u201cI would tell young people today to maintain a balance and to continue to have direct communication, because when you look someone in the eyes, everything is different. Sharing problems while looking at one another is much more effective.\u201d<\/p>\n<p>In a position like his, staying informed is essential, but to do so, he avoids social media. \u201cThere are too many judgements; you read a news story and other people are commenting on it, and I don\u2019t have time for that. The information on social media is based on judgments and opinions rather than facts,\u201d he says.<\/p>\n<p>\u201cI have no doubt that I\u2019m missing out on a lot of things going on (on social media), but to stay informed about what\u2019s relevant to me, I prefer to use digital news media. My iPad is filled with subscriptions such as the Financial Times, the Wall Street Journal, Mercury and other non-biased media, such as Bloomberg. That way I eliminate other people\u2019s comments.\u201d<\/p>\n<p>For people just starting their career, Karlezi recommends being bold enough to make decisions, do new things, play, innovate and not be afraid. \u201cIt makes you stronger. That is why you have to do it and go through the process. If you want to take a risk, take it! Later on, when you\u2019re 58 with five kids and have to pay tuition, then you\u2019ll have to be more careful with your money,\u201d he says.<\/p>\n<p>The executive also highlights that these experiences help to create skills that are highly valued on the job market today. \u201cTalent in areas like math or technology is purchased like a commodity. On the other hand, soft skills are created through training and only develop with time,\u201d he stresses.<\/p>\n<p>His advice for new generations is to be clear about what they want, and to look for a career in which they think they will be comfortable: \u201cIf you like math, that could be some type of engineering; if you like history, something like a lawyer. What\u2019s important is that it goes well with your talents and personality, otherwise, you\u2019ll get frustrated.\u201d<\/p>\n<p>In short, Karlezi is a technology-lover who knows that the best interactions are achieved through disconnecting from the digital to focus on the human.<\/p>\n<p>Disclaimer: The views and opinions expressed in this blog are those of the authors and do not necessarily reflect the official policy or position of Bloomberg.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff20c52b39d'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <div\n    class=\"bbg-column\"\n    style=\"\"\n    >\n    <hr class=\"bbg-separator bbg-separator-1\" style=\"height:1px;\" \/>\n\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black bbg-row--full-bg-bleed\" data-anchor='row-69ff20c52deb0'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p>Bloomberg invited the GETTERS of the financial market in Latin America to share their insightful stories about their careers, their success stories and the challenges they had to face while not only witnessing the development of this fast-paced environment, but actively contributing to its evolution by creating new tools, sharing best practices and inspiring change.<\/p>\n\n<\/div>\n\n<div\n  id=\"cta_6559310081539794084\"\n  class=\"wpb_content_element bbg-cta no-icon\">\n  <style>\n    \n    \n    \n  <\/style>\n  <div\n    class=\"bbg-cta-link link-holder\"\n    data-links-type=\"cta-links\">\n    <p class=\"bbg-cta-p left\">\n      <a\n        class=\"bbg-cta-link link\"\n        href=\"https:\/\/www.bloomberg.com\/professional\/go-getters\/\"\n        target=\"\"\n        rel=\"\"\n        data-section-name=\"Learn more\"\n        >\n                      Learn more\n                <\/a>\n    <\/p>\n  <\/div>\n<\/div>\n\n<\/div><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-69ff20c531325'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <div\n    class=\"bbg-column\"\n    style=\"\"\n    >\n    <hr class=\"bbg-separator bbg-separator-1\" style=\"height:1px;\" \/>\n\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black bbg-row--full-bg-bleed\" data-anchor='row-69ff20c533573'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <div\n    class=\"bbg-column\"\n    style=\"\"\n    >\n    <div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<h2>Insights<\/h2>\n\n<\/div>\n<div\n    class=\"bbg-spacer bbg-spacer--md\"\n    >\n<\/div><script>\n    window.feed = window.feed || {};\n    window.feed['69ff20c53655e'] = 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