Audit and Reporting

Francisco holds a degree in Law and Business Administration with a specialisation in Financial Management (E·) from ICADE at the University of Comillas. He is a PDD graduate from IESE at the University of Navarra and is currently studying for a degree in Psychology at the UNED.

He has more than 26 years of experience in the financial sector. He has developed his professional career mainly at Banco Santander Group, where he has held positions of responsibility in the Risk areas and, in recent years, as Director of Methodologies and Big Data. He currently chairs the Innovation and Good Governance Council and combines his professional activity with teaching and consulting, particularly in innovation projects related to Big Data management.

From an academic perspective, Francisco has experience teaching at various prestigious business schools and has participated in specialised tailor-made training programmes.

Carlos has over 30 years of experience in the banking business, primarily in risk management across all cycles (admission, management and recovery) and at all levels (branch, regional, national and corporate). He began his professional career at Banco Guipuzcoano and then, from 1994 to 2020, he developed his career at Banco Santander, where he held positions of responsibility in the Risk area, such as Head of Recoveries, a position he held for the last eight years. He has led multiple teams and has played a key role in the integration of Banif, Banesto and Banco Popular.

Carlos holds a degree in Business Studies from CUNEF and a Master's degree in Finance from the University of Deusto. He has been a speaker and lecturer at various academic institutions.

David has over 12 years of experience in the financial sector, with various responsibilities in the areas of Risk Management, Financial Planning and Investment Banking at BBVA.

David holds a degree in Industrial Engineering from ETSI-ICAI (Comillas Pontifical University), has studied Economics, holds a Master's degree in Quantitative Finance from AFI, and is FRM® certified by GARP (Global Association of Risk Professionals).

As a lecturer, he has designed and delivered financial training at institutions such as IEB, CIFF and the University of Alcalá.

Alfonso Ayuso holds a degree in Aeronautical Engineering from the Polytechnic University of Madrid and a Master's degree in Business Administration from the Instituto de Empresa. He is also certified as a coach in Exponential Organisations by OpenExo and in Good Corporate Governance by the IC-A.

He has been teaching innovation and financial markets since 2004 at various prestigious institutions, such as ICADE itself and the IEB.

He has extensive professional experience in financial services in the areas of innovation, private banking, capital markets and regulation, having worked in various management positions at institutions such as Banco Santander and Banco Sabadell. He currently serves as Senior Advisor on innovation and new financial business models.

Bachelor's degree in Law and Economics and Business Studies from the Pontifical University of Comillas (Madrid).

He currently holds the position of Risk Director for Spain, which includes both retail and wholesale activities. He is also responsible for the recoveries area.

His professional career began at Continental Illinois Bank, although most of it has been spent within the BBVA Group, where he has held various positions, including: Director of Capital Markets, Executive Chairman of BBVA Puerto Rico, Director of Corporate Banking for Spain and Portugal, and Director of Business and Corporate Banking for Spain and Portugal.

Among other professional activities, he is a distinguished collaborator at Comillas Pontifical University, where he has taught various courses over the years, including ‘Sources of Financing,’ ‘Financial Analysis,’ and currently ‘Financial Markets.’

Tomás has more than 20 years of experience working as a Chief Restructuring Officer (CRO), Chief Executive Officer (CEO), Chief Financial Officer (CFO) and as a consultant for various leading venture capital and private equity firms. He has advised many leading multinationals and important medium and small sized companies on how to improve their business strategies and reduce their structural costs in Spain, France, Portugal, Colombia and the United Kingdom. Tomás has worked in many industries including, Automotive, Food, FMCG, Telecom, Agriculture, Pharmaceutical, Banking, Information Technology and Aerospace industries.

Tomás is an Industrial Engineer from the University of Valladolid and he has an MBA from The Anderson School at UCLA in Los Angeles, California. Tomas also has been a guest lecturer in the field of strategy, finance and business administration at several prestigious business schools for over 20 years.

Emilio has over 30 years of profession experience in the area of accounting and financial reporting. He has worked for a multinational energy company and was responsible for the internal audit, economic and accounting administration, accounting regulations, internal control and financial economic reporting to national and international regulatory bodies. In 2005, he led IFRS projects and he has implemented the new Internal Control System for the preparation of Financial Information (SCIIF) for listed groups on the stock exchange. He has also been a director in different companies.

Emilio has a Degree in Business Administration from the Complutense University of Madrid and is graduate of the Programa de Desarrollo Directivo (PDD) at the IESE Business School. Emilio also has experience as a guest lecturer in the field of accounting, internal control and financial economic reporting at several prestigious business schools.

Fernando is a highly esteemed executive with more than 39 years of financial experience at large multinational corporations. He is started his professional career at the audit firm, Arthur Andersen and he became the financial director of Dragados Servicios y Concesiones (ACS Group) for 10 years. He then moved to become the Chief Financial Officer (CFO) at Sacyr for 7 years before becoming the Chief Executive Officer (CEO) at Testa. He is currently the Chief Financial Officer (CFO) of Merlin Properties.

Fernando has a degree in Economics and Business Administration and a Law Degree from ICADE (Specialty E-3) in Madrid and he is a guest lecturer at several prestigious business schools.

Caridad Molina, Founder and Managing Director of LimaLaw Consulting. Chief Compliance Auditor and specialist in Anti-Bribery Management Systems based on ISO 37001. More than ten years of professional experience in compliance, international taxation and regulatory matters. Master's degree in Business Legal Advice (LL.M.) from IE Law School. Lecturer at numerous business schools and universities.