In this episode of Future Finance, hosts Paul Barnhurst (aka The FP&A Guy) and Glenn Hopper welcome Carlos Vega, fintech founder, investor, and AI enthusiast. Carlos shares his unique path from investment banking to co-founding Tesorio, an AI-powered financial operations platform helping companies optimize cash flow and unlock real working capital. Carlos reveals how his frustration with traditional finance workflows led him to build tools that empower finance teams to move at AI speed - with smarter forecasts, automated collections, and deeper financial visibility.

Carlos Vega is the co-founder and CEO of Tesorio, an AI-powered financial operations platform. He has over a decade of experience in finance, including investment banking at Lazard and co-founding a factoring business. Carlos holds an MBA from Wharton, where he created a custom focus in “Innovation Through Analytics” He’s passionate about turning data into actionable insights and making cash flow more predictable. At Tesorio, he helps companies automate collections and optimize working capital using AI.

In this episode, you will discover:

• Why Carlos created his own MBA path at Wharton focused on analytics
• Why cash flow forecasting isn’t just a finance problem - it’s a data problem
• The hidden reasons businesses turn to factoring (and why that’s risky)
• How Tesorio uses AI to clean up messy financial data
• Why actionable insights are way more valuable than fancy reports

Carlos Vega gave us a fresh look at why cash flow is so critical and how using AI to clean, structure, and act on financial data can change the way businesses operate. From building smarter forecasts to creating better cash management habits, Carlos showed that real success isn’t just about growing fast, it’s about being predictable and staying in control.

Follow Carlos:

LinkedIn - https://www.linkedin.com/in/carlos-r-vega/

Website - https://www.tesorio.com/

Join hosts Glenn and Paul as they unravel the complexities of AI in finance:

Follow Glenn:

LinkedIn: https://www.linkedin.com/in/gbhopperiii

Follow Paul:

LinkedIn -  https://www.linkedin.com/in/thefpandaguy

Follow QFlow.AI:

Website - https://bit.ly/4i1Ekjg

Future Finance is sponsored by QFlow.ai, the strategic finance platform solving the toughest part of planning and analysis: B2B revenue. Align sales, marketing, and finance, speed up decision-making, and lock in accountability with QFlow.ai.

Stay tuned for a deeper understanding of how AI is shaping the future of finance and what it means for businesses and individuals alike.

In Today’s Episode:

[00:15] - Guest Intro

[01:58] - Innovation and AI MBA

[05:51] - Telecom Data Insights

[06:41] - MBA as a Career Catalyst

[07:19] - From Factoring to Forecasting

[09:26] - Cash Flow vs Budgeting Focus

[13:48] - Unlocking Cash Flow Insights

[15:28] - Three Pillars of Data

[17:57] - Final Takeaway