Jomark Noriega is an IT Manager at a prestigious Peruvian financial institution. He is a PhD candidate in Systems and Informatics Engineering at UNMSM, Peru. He holds a Bachelor's degree in Computer and Systems Engineering from Universidad Privada Antenor Orrego and a Master's degree in Strategic Business Administration from the Business School of Pontificia Universidad Católica del Perú (CENTRUM). He has led multiple digital transformation and large-scale technological projects across 12 financial institutions. He has published research on machine learning applications in credit risk prediction and financial technology. His teaching disciplines include digital transformation and financial technology, and his research interests focus on process optimization, artificial intelligence, and machine learning applied to credit risk assessment.