Rafael A. Toro Torres, an accomplished professional with over 15 years of extensive healthcare expertise, currently serves as the Chief Financial Officer at PNS Puerto Rico, a leading Multispecialty MSO, and Healthcare Consulting Company.

He holds a bachelor’s degree in accounting from the University of Puerto Rico. Rafael’s journey in the healthcare sector began as a financial analyst at Humana Health Plan, where he specialized in regulatory financial reporting.

Over the years, he rose within the company and gained experience in various areas such as accounting, primary medical group contracting, and leadership positions. Notably, as the Medicare Segment Leader, he successfully doubled the division’s size from 18,000 to 36,000 lives in just a year and a half.

In his most recent role, Rafael played a pivotal part in the strategic management and transition of the Medicaid East and Southeast region to Triple S Salud as a TPA contract. In collaboration with Nardy Delgado, his future business partner, he led the conversion of the contract from a TPA to a fully insured model, making the Medicaid line of business the most profitable for the company for two consecutive years.

Rafael possesses outstanding analytical skills that allow him to tackle financial challenges effectively. He is results-oriented, setting clear goals and working efficiently to achieve them. His experience in efficiently managing financial resources and identifying growth opportunities distinguishes him as a strategic financial leader.

Rafael’s strategic mindset has played a crucial role in the expansion and success of the Medicare business line at PNS. His integrity and ethics are paramount in all his actions, and he has developed a reputation as a reliable and ethical leader in the healthcare sector.

In conclusion, Rafael A. Toro Torres is an exceptional Chief Financial Officer with a proven track record, acute analytical skills, a strategic approach, and an unwavering commitment to integrity and ethics in his healthcare leadership