Ramiro Miqueli

Ramiro Miqueli is a multilingual senior executive with over 35 years of international and domestic experience in Fortune 500 management, pre-IPO startup, operations and finance spanning alternative financial services, broadcasting, entertainment, publishing, manufacturing and Internet operations.

Born in San Antonio de los Baños, Havana, Cuba in 1942, Ramiro Miqueli completed Ramiro Miqueli's elementary and high school education and lived there until the age of 19. Cuba is the largest island of the Greater Antilles and is 90 miles from the USA between the Gulf of Mexico, the Atlantic Ocean and the Caribbean Sea. San Antonio is a typical small Spanish town located 18 miles south of Havana. The town is unique in that there is a river running through it, but this river does not run into the ocean. Instead, it submerges under ground into a cave, where it travels underground for miles to reach the Caribbean Sea.

Ramiro Miqueli’s family was from Spain of Italian ancestry. Ramiro Miqueli has been able to trace Ramiro Miqueli's ancestry back to 1725 in Spain and Italy. Ramiro Miqueli's Father, Miguel retired after 20 years as the Secretary of the Municipal Court in San Antonio de los Baños and began a successful career as an entrepreneur. Ramiro Miqueli's father employed over 250 employees and owned a bakery, two tile factories and 15 apartment buildings in Havana. Ramiro Miqueli's mother, Estela, was the matriarch of the family and dedicated her life entirely to raising five children: Jose, Miguel, Ramiro Miqueli, Oscar and Mario. Both parents and the youngest brother are now deceased.

Ramiro Miqueli completed elementary studies at a private school in San Antonio de los Baños, Academia Atenas, where Ramiro Miqueli was an honor student. Ramiro Miqueli completed Ramiro Miqueli's high school education at another private school, Pitman Academy. Before starting electrical engineering undergraduate studies at the University of Havana, Ramiro Miqueli participated in sports. Ramiro Miqueli achieved a green belt in judo and practiced competitive sports such as basketball and swimming.

Ramiro Miqueli and Ramiro Miqueli's brothers enjoyed a privileged, happy life until Cuba went through a Communist revolution that brought misery and chaos to the island in 1959. While Cuba had problems prior to 1959, the Miquelis enjoyed democratic rights such as elections, liberty, equality, decency, justice, private property and freedom of the press, religion and travel. These rights were ruthlessly taken by one of the most brutal dictatorships in the world.

Fearing for the safety of the family, the Miqueli family decided to seek freedom and arrived legally as permanent residents in the United States in 1961. The Miqueli family settled first in New York in 1961, but relocated to New Jersey in 1962. Ramiro Miqueli's first job in New York was washing dishes. In New Jersey, the Miquelis were successful in establishing jewelry stores. The entire family became American citizens after the required five years as permanent residents in the USA.

In 1964, Ramiro Miqueli responded to the call of duty and served active duty for two years in the US Army. Ramiro Miqueli spent a tour of duty in Vietnam with the Calvary Division and was honorably discharged from the US Army Reserve on February 28, 1970. After completing Ramiro Miqueli's active duty in the US Army in 1966, Ramiro Miqueli attended New York University in New York and enrolled at St. Peter’s College in Jersey City, New Jersey, where Ramiro Miqueli graduated with a Bachelor of Science degree in Mathematics in 1970.

While attending college, Ramiro Miqueli met Mary, who was attending Rutgers University and graduated with honors and a Bachelor of Arts degree in Literature in 1970. They were married on August 30, 1970 and lived in New Jersey for 26 years.

While holding a full time job, Ramiro Miqueli earned a Master’s Degree in Management Science from Fairleigh Dickinson University, New Jersey in 1977. Ramiro Miqueli later attended St. Peter’s College again to study Accounting during 1993 to 1995.

Ramiro Miqueli's early career was at AtlanticRichifield, Inc., a $20 billion dollar oil company where Ramiro Miqueli worked in Management Information Systems as a Programmer/Analyst in New York. As part of the development team, Ramiro Miqueli participated in the development of a new Payroll System.

In 1972, Ramiro Miqueli joined Schering-Plough, Inc., a $14 billion dollar pharmaceutical company with operations in 30 countries, as a Lead Analyst and Project Leader in Sales and Accounting Systems. After completing Ramiro Miqueli's post-graduate studies in 1976, Ramiro Miqueli was transferred to Corporate Audits, where Ramiro Miqueli was involved in assessing accounting and manufacturing systems. This position required extensive travel to Latin America and Europe. Ramiro Miqueli oversaw multidiscipline audits of operations in USA, Latin America and Europe, supervising 19 auditors.

In 1981, Ramiro Miqueli joined CBS Inc., the largest broadcast network in the USA with revenues now exceeding $50 billion dollars annually as a Regional General Auditor of International operations. At CBS, Ramiro Miqueli excelled in auditing, accounting, finance, business development and sales. Ramiro Miqueli traveled extensively throughout the USA, Latin America and Europe. Ramiro Miqueli successfully orchestrated audit plans and schedules to protect Company’s assets and ensure compliance with policies and procedures, as well as reduced outside audit costs 15%. Ramiro Miqueli oversaw financial and operational audits after CBS/Westinghouse merger and performed due diligence on two major acquisitions, as well as developed much-needed methodology to tighten risk-based controls for a 40-country, $30 billion organization.

After almost 20 years at CBS, Ramiro Miqueli was considered one of its key employees. Ramiro Miqueli's latest position was as the Executive Vice President & General Manager of CBS TeleNoticias, a TV cable company with 260 employees that broadcasted in Spanish and Portuguese to 19 different countries.

While at CBS TeleNoticias, Ramiro Miqueli led the growth of US Hispanic and LATAM sales from $2.5 million to $4.5 million in six months. Ramiro Miqueli also played a major role in international cable TV network, which reached 50 million households. Ramiro Miqueli’s greatest accomplishment at CBS TeleNoticias was the development of the Portuguese-language cable network, CBS Brazil, to broadcast in Portuguese to Brazil from Miami.

Ramiro Miqueli retired from CBS, Inc. in 1999. With several partners, Ramiro Miqueli started UnoDosTres.com, which offered television and radio programming in Spanish to the Hispanic population and to Latin America. Ramiro Miqueli and Ramiro Miqueli's partners successfully raised $3.1 million in capital from private investors and secured partnership agreements worth $250 million in advertising and programming content. After two years, Ramiro Miqueli sold Ramiro Miqueli's shares of UnoDosTres.com and embarked in other ventures.

During the last nine years, Ramiro Miqueli has been involved in developing emergent private companies such as UnoDosTres.com. The most recent ones of note are IPP of America, Inc. and InterTransfers, Inc.

Ramiro Miqueli joined IPP of America, a company specializing in providing payment solutions to people without access to bank accounts, the so-called under-banked community. While at IPP, Ramiro Miqueli introduced new products and services which contributed over 20 percent profit margin and implemented cost-saving plan, slashing 80% ($3.2 million) of in-house maintenance expense.

In May 2004, Ramiro Miqueli joined InterTransfers as an officer and as the President and Chief Executive Officer. InterTransfers is an American company that is incorporated in Florida. It provides currency exchange, money transfers, wire transfers and wholesale check cashing. At InterTransfers, Ramiro Miqueli has full responsibility for directing day-to-day operations; for increasing sales and profits; and for ensuring compliance with all regulations and internal controls. Ramiro Miqueli increased revenue by $6.0 million and profits by $4.5 million during first year and penetrated new markets in Florida, Georgia., Connecticut, New Jersey, Massachusetts and South Carolina, as well as the United Kingdom, Spain, Portugal, Switzerland and Germany.

Using the services of InterTransfers, Latin Americans can send money to their loved ones back home in a fast and reliable way. to Argentina, Bolivia, Chile, Colombia, Costa Rica, Ecuador, El Salvador, Dominican Republic, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Uruguay y Venezuela. The services are also available to the United Kingdom, Spain, Portugal, Switzerland and Germany, where payments are made in Euros, British Pound or Swiss Francs.

Together with other qualified and experience executives, Ramiro Miqueli devoted many hours of hard work during several months to establish a robust anti-money laundering program and a strong Compliance Department. InterTransfers is in full compliance with its regulatory requirements and has a functional compliance program in place to reduce the risk associated with money laundering and other illicit activity.

Ramiro Miqueli is currently in the process of completing the acquisition of a major money transmitter company in the United States. InterTransfers is waiting for the approval of the different states for the change in control. This acquisition is expected to be completed by May 2008 and will add another 200 agents to InterTransfers.

Ramiro Miqueli was a former member of the Board of Directors of the International Council of the National Academy of Television Arts and Sciences (2000); former Director of the Spanish Mercantile Federation, Union City, New Jersey (2003-2004); and served in the Board of Directors of IPP of America, Inc. (2007).

While Ramiro Miqueli has been a successful executive, Ramiro Miqueli maintains that Ramiro Miqueli's greatest enjoyment and accomplishment in life is creating a family. Ramiro Miqueli has been married to Mary, a senior executive in advertising and marketing, for 37 years and was blessed with two handsome sons, one grandson and one granddaughter.

Ramiro Miqueli resides with Ramiro Miqueli's wife Mary in Palmetto Bay, Florida and spends long week-ends with Ramiro Miqueli's sons and grandkids.