Leadership
Three founders. Three decades of payments.
João Jardim
Founder of JJ4Tech & Co-Founder of JD Consultores
An entrepreneur with more than 35 years of experience in software development, João founded JJ4Tech to bring proven instant payments technology — extensively tested across Brazil's PIX ecosystem — to the U.S. market.
After obtaining a Master's in Computer Science from PUC-Rio and lecturing for 14 years as a guest professor at leading Brazilian universities, João began his corporate career as a technology consultant. Between 1996 and 2001, he developed strategic systems for institutions including Citibank, IBM, Bradesco, the Central Bank of Brazil, FEBRABAN, the Brazilian Marine Force, and Petrobras.
In 2001, he co-founded JD Consultores with Fernanda Jardim — the company that would become the leading instant payment provider in Brazil. The success of JD Consultores led directly to the creation of JJ4Tech in 2022.
Fernanda Jardim
Founder of JJ4Tech & Co-Founder of JD Consultores
An entrepreneur with over 20 years in the financial industry and a specialist in database systems, semi-structured data, and XML, Fernanda joined the JJ4Tech journey to bring her decades of problem-solving, customer support, and implementation experience to the American market.
Best-in-class technology is just one of JJ4Tech's differentials — Fernanda ensures our clients always have the best support behind it.
Fernanda has previously consulted for major institutions including Citibank, the Central Bank of Brazil, the Interbank Payments' Chamber (CIP), FEBRABAN, Petrobras, ALBRAS (Alumínio Brasileiro), and Lotus do Brasil. In 2001, she co-founded JD Consultores with João Jardim — now the leading instant payment provider in Brazil. JJ4Tech was born from that same legacy in 2022.
Caroline Cypriano
COO & Co-Founder of JJ4Tech
A lawyer who found her place in the world of business, Caroline was formerly Statutory Director at TAG IMF (a Stone Co. company, NASDAQ: STNE) — a financial market infrastructure authorized by the Brazilian Central Bank as a collateral registry focused on the registration of card receivables.
She has served as director at two California-based startups in the United States — Strategic Planning Director at My Open Road Corp and Marketing Director at Push Inc. — and held leadership positions at technology companies in Brazil including Stone, Sieve, and Site Blindado.
At JJ4Tech, Caroline leads U.S. operations and is an active member of the U.S. Faster Payments Council (FPC) as well as a contributor to the ASC X9 working group currently defining the U.S. national QR Code standard for instant payments.