
From inch-sized savings goals to free bike rides and basketball fandom, Tangerine's chief marketer turns an invisible service into things Canadians can see, use and remember.

At Webster Bank, Carlos Rivera is turning marketing from a library of materials into a working system for bankers. His method is patient, measurable and built for the constraints that make financial services difficult.

The U.S. Bank CMO has a practical brief: make a sprawling financial institution feel coherent, culturally present and unmistakably useful - without confusing novelty for judgment.

He earned a PhD studying how feelings drive what people buy, then spent twenty years turning that thesis into marketing for YouTube, Walmart, and now a global bank.