Over 20 years of experience in pension funds and insurance, in Spain and Latin America, mainly in the Banco Santander group. Latin America's Regional Manager of Santander Group. Senior consultant and practice leader of Milliman in Spain. Director at the Consultancy firm of the Group, Finenza Seguros. Bachelor in Economics and Actuarial by the Universidad Complutense., Madrid, and MBA by the IESE. Actuary Partner.