Summary
Overview
Work History
Education
Skills
Leadership Highlights
Timeline
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Monique Maciel

Denver,CO

Summary

Product and strategy leader with over 15 years of experience in digital finance, specializing in pricing and user incentives. Proven ability to drive customer acquisition, retention, and profitability through effective pricing models and growth strategies. Experienced in leading cross-functional teams and delivering results in regulated international markets.

Overview

15
15
years of professional experience

Work History

Senior Product Manager – Digital Growth Strategy

Western Union
01.2020 - Current
  • Led pricing and incentive strategies for a $500M+ digital portfolio, driving improvements in customer acquisition, retention, and revenue.
  • Delivered $2.2M in incremental revenue by optimizing pricing levers and designing segmented promotional offers.
  • Partnered with analytics teams to integrate predictive models (e.g., churn, LTV) into pricing and marketing strategies across the U.S. outbound markets.
  • Built and executed incentive frameworks using behavioral data and segmentation to deliver personalized user-level offers across digital channels.
  • Helped launch a new mobile app with integrated crypto and money transfer options.
  • Drove cross-functional execution on product, pricing, marketing, and expansion initiatives.
  • Developed pricing models using customer segmentation and behavioral insights to improve acquisition and retention.

Product Manager – Americas & Western Europe

Western Union
06.2018 - 01.2020
  • Managed P&L for a $47M regional portfolio covering multiple brands, products, and channels in the U.S., Latin America, and Western Europe.
  • Led cross-functional campaigns focused on digital conversion and retention, contributing to increased market share.
  • Developed and pitched growth strategies to strategic partners that secured support for key campaigns and expanded acquisition in high-potential corridors.

Product Manager

Western Union
07.2014 - 06.2018
  • Developed user-centric requirements for digital money transfer products, improving customer experience.
  • Launched strategic pricing actions leading to 30%+ growth across specific business segments.
  • Conducted in-depth market and competitor analysis to inform business decisions, and drive revenue growth.

Senior Financial Analyst

Western Union
09.2013 - 07.2014
  • Partnered with product leadership to create financial models supporting revenue growth initiatives.
  • Implemented dynamic foreign exchange pricing strategies, driving 20% year-over-year growth in key corridors.
  • Delivered business performance insights through detailed margin and trend analyses.

Financial Analyst

Western Union
08.2010 - 09.2013
  • Built predictive financial models for global product expansion initiatives.
  • Automated reporting systems through VBA improve efficiency and decision-making speed.
  • Conducted pricing and revenue risk analyses across multiple international corridors.

Education

Master of Business Administration - Marketing

Regis University
05.2019

Bachelor of Science - Finance/Real Estate

University of Denver
06.2010

Skills

  • Product Strategy & Management
  • Digital Growth & Innovation
  • Pricing Strategy & Optimization
  • P&L Management
  • Cross-Functional Leadership
  • Data Analysis & Financial Modeling
  • Customer Acquisition & Retention
  • Strategic Planning & Market Expansion
  • Salesforce, Power BI, Amplitude, Wrike
  • Microsoft Excel (Advanced VBA, Macros), Access, AS400, Hyperion Essbase

Leadership Highlights

  • 15+ years leading digital product innovation, pricing strategy, and financial growth initiatives for Fortune 500 companies.
  • Delivered multimillion-dollar revenue growth through customer acquisition, digital expansion, and operational optimization.
  • Expert in developing go-to-market strategies, driving P&L success, and scaling digital products across international markets.
  • Proven ability to lead cross-functional teams, launch market-driven solutions, and build sustainable business growth.

Timeline

Senior Product Manager – Digital Growth Strategy

Western Union
01.2020 - Current

Product Manager – Americas & Western Europe

Western Union
06.2018 - 01.2020

Product Manager

Western Union
07.2014 - 06.2018

Senior Financial Analyst

Western Union
09.2013 - 07.2014

Financial Analyst

Western Union
08.2010 - 09.2013

Master of Business Administration - Marketing

Regis University

Bachelor of Science - Finance/Real Estate

University of Denver

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