Experience
Servicios Administrativos de Altura MGM, C.A.   September 2011 - August 2014
Lubricantes Occidental, C.A.   July 2010 - January 2011
MANPA Manufacturas de Papel   2008 - 2009
Banco Santander   January 2006 - August 2008

Skills
Análisis de negocio, Liderazgo de equipos, Banca, Administración y..., Inglés, Inteligencia empresarial, Español, Procesos de negocio, Pedagogía, Educación primaria

Education
Universidad de los Andes (VE)   1999 — 2005
Licenciatura en Administración

Universidad de los Andes (VE)   1999 — 2005
Bachelor's degree, Administración y gestión de empresas, general

Experience
Inter-American Development Bank  March 2012 - Present
Inter-American Development Bank  October 2010 - December 2011
Inter American Development Bank  January 2009 - August 2010
Banco Santander   August 2007 - December 2008

Skills
Spanish, Financial Modeling, Business Strategy, Data Analysis, PeopleSoft, Research, Analysis, Change Management, English, International..., Leadership, Organizational..., Program Management, Project Management, Project Planning, Strategic Planning, Management, Negotiation, Strategy, Team Leadership, Management Consulting

Education
EUDE Business School   2014 — 2015
Master of Business Administration (MBA), Project Management

Universidad de Montevideo   2003 — 2009
Degree in Business Management and Administration, Logistics, Marketing and Human Resources

Experience
METRO OBGYN  2006 - 2008
METRO OBGYN  June 1993 - June 1996
Banco Santander   1989 - 1993
Caguas Central Federal Saving Bank   1987 - 1989
Dealers Finance Corporation   1985 - 1987
Cecil Pedrosa Photography   1984 - 1985

Education
Universidad Interamericana Puerto Rico   1986 — 1988
Master of Business Administration (M.B.A.), Finance

Universidad de Puerto Rico   1981 — 1985
Bachelor's Degree, BBA Mayor in Finance- Cum Laude

Academia San Jose   1978 — 1981
High School

Fontecha
Professional Modeling Degree, Fashion Modeling

Experience
CVLCC High School   July 2014 - Present
Colegio San Buenaventura   September 2007 - July 2014
Banco Santander   June 2007 - September 2007
Banco Santander   July 2006 - December 2006

Skills
LaTeX, Mac, Microsoft Office, Java, Moodle, Mathematica, Open Office, Formación de personal, Educación superior

Education
CPR Murcia   2013 — 2013
LaTeX: Profundizando en el editor científico TeX

FUNCAE   2013 — 2013
Diseño de la programación en Educación Secundaria

FUNCAE   2013 — 2013
Organización y Funcionamiento de Centros de Educación Secundaria

International Projects Centre, Exeter   2013 — 2013
Content and Language Integrated Learning: Maths & Science for Secondary Teachers

Escuela Oficial de Idiomas   2011 — 2013
Certificado de Nivel Avanzado (Inglés)

General Teaching Council of England   2012 — 2012
QTS, Math

CPR Cartagena   2008 — 2008
El uso de las TIC para Secundaria

CPR Murcia   2008 — 2008
Las Competencias Básicas en la Educación Secundaria

Universidad de Murcia   2007 — 2007
Curso de Adaptación Pedagógica, Matemáticas

Universidad de Murcia   2001 — 2006
Licenciado en Matemáticas, Especialidad: Matemática Fundamental

Experience
Banco Santander   October 2013 - Present
Santander / Sovereign Bank   May 2011 - October 2013
Fulton Financial Corporation  July 2009 - September 2010
UCG  September 2004 - August 2006

Skills
Marketing, Risk Management, Banking, Credit, Training, Business Development, Financial Analysis, Financial Modeling, Commercial Banking, Microsoft Excel, Credit Risk, Microsoft Office, Marketing Strategy, Spanish, PowerPoint, Customer Service

Education
Universidad de Alcalá   2010 — 2011
Master, Bancas y Riesgos

University of Delaware   2005 — 2009
Bachelors Science, Economics, Marketing

University of Delaware - Lerner College of Business and Economics   2005 — 2009
Bachelor of Science (B.S.)

Experience
Banco Santander Puerto Rico  January 2010 - Present
Banco Santander   July 1996 - January 2009

Skills
Banking, Financial Analysis, Payroll, Corporate Finance, Internal Controls, Process Improvement, Risk Management, Investments, Strategic Planning, Capital Markets, Microsoft Excel, Financial Reporting, Customer Service, Change Management, Sarbanes-Oxley Act, Fixed Income, Human Resources, Budgets

Education
Universidad de Puerto Rico   1975 — 1979
BBA, Accounting

Experience
EVERTEC  November 2013 - Present
EVERTEC  September 2010 - November 2013
Banco Santander   April 2007 - September 2010
A Otro Nivel Ent. Corp.   2003 - 2007

Skills
Business Process..., Change Management, Conflict Management, Employee Engagement, Employee Relations, Facilitators, Human Resources, Instructional Design, Leadership Development, Organizational..., Strategic Planning, Talent Management, Workshop Facilitation, Project Management, Performance Management, Succession Planning, Facilitation

Education
University of Puerto Rico
Ph.D., Industrial Organizational Pshychology

Experience
Wells Fargo  January 2014 - Present
Sage Consulting  January 2013 - January 2014
AAA Life Insurance Company  January 2012 - January 2013
Banco Santander   January 2010 - January 2012
HSBC  January 2009 - January 2010
Wells Fargo  January 2007 - January 2009
McGraw Hill Financial  January 2003 - January 2007

Skills
Analytics, SAS, Statistics, Direct Marketing, Segmentation, Strategy, Competitive Analysis, Cross-functional Team..., Market Research, Analysis, Forecasting, Financial Modeling, Data Mining, Predictive Modeling, Marketing, Strategic Planning, Training, Multi-channel Marketing, Team Building, Econometrics, Time Series Analysis

Education
The University of Texas at Austin   2000 — 2002
Master's degree, Statistics

Experience
Banco Santander   2000 - Present
Credit Lyonnais  1992 - 2000

Skills
Capital Markets, Investment Banking, Fixed Income, Financial Markets, FX Options, Securities, Bonds, Emerging Markets, Market Risk, Hedge Funds, Middle Office, Trading Systems, Back Office, Structured Products, Credit Derivatives, Bloomberg, Credit Risk, Options, Electronic Trading, FX trading, Risk Management, Basel II, Valuation, Trade Finance, Syndications, Rates, Liquidity Management, Structured Finance, Swaps, Equities, Trading, Equity Derivatives, Money Market, Hedging, Private Banking, Foreign Exchange, Collateral Management, Credit

Education
Universidad del CEMA   2000 — 2001
Master's degree, Business Administration and Management, General

Universidad Argentina de la Empresa   1988 — 1993
CPA/Master in Business Administration, Business Administration, Management and Operations

Experience
NASA  March 2013 - Present
GAO  June 2006 - March 2013
Defense Contract Audit Agency  February 2003 - June 2006
Banco Santander   January 2002 - January 2003
U.S. DEPARTMENT OF HEALTH & HUMAN SERVICES   June 1999 - August 1999
U.S. House of Representatives   1998 - 1998

Skills
Internal Controls, Internal Audit, Audit, Auditing, Financial Management, Assurance, Financial Reporting, Managerial Finance, GAAP, Financial Analysis, Financial Accounting, Analysis, Financial Modeling, Sarbanes-Oxley Act, Government, US GAAP, Finance, Financial Statements, Accounts Receivable, Accounts Payable, Accounting, CPA, External Audit

Education
The Johns Hopkins University - Carey Business School   2009 — 2011
MS, Finance

Universidad de Puerto Rico   1996 — 2001
Bachelor of Business Administration (BBA), Accounting

Experience
American Eagle Outfitters  August 2014 - Present
Amazon.com  September 2008 - Present
PRD   2004 - 2015
University of Puerto Rico  2007 - 2008
Scholastic Book Fairs  December 1989 - October 2006
Banco Santander   June 1983 - December 1989

Skills
Social Media, Customer Service, Social Networking, Microsoft Office, Public Speaking, Nonprofits, Research, Social Media Marketing, HTML, Leadership Development, Team Leadership, Teamwork, Event Planning, Blogging, Fundraising, Editing, Spanish, English, Project Management, Agile Methodologies, Business Strategy, Coaching, New Business Development, Entrepreneurship, Teaching, Recruiting, Account Management, Accounting, Financial Accounting, Management, Auditing, Quality Control, Total Project Management, Commercial Banking, International Economics, Operations Management, Sales Management, International Business, International Relations, International..., Diplomacy, Public Relations, Public Administration, Public Policy, Inventory Control, Controllers, District Sales..., Strategic Planning

Education
Universitat de Barcelona   2011 — 2013
Master of Business Administration (M.B.A.), Master Science Public Administration, Political Science

University of Puerto Rico-Mayaguez   2007 — 2008
Master of Business Administration (MBA) P, Accounting and Finance Progress

Universidad Adventista de Las Antillas   2003 — 2007
Bachelor of Science (BS) BA BBA, Business Administration Accounting and Management, General, 3.24 Mayor 3.62 GA

Universidad Dominicana O&M   1984 — 1987
Bachelor of Business Administration (BBA) BA, Accounting and Business/Management

Experience
Department of Economic Development and Commerce of Puerto Rico (DDEC)   September 2013 - Present
University of Puerto Rico, School of Business   2006 - Present
University of Puerto Rico  August 2004 - August 2013
University of Puerto Rico  September 2011 - January 2013
Puerto Rico Exports Council   August 2003 - August 2004
Banco Santander   May 2001 - March 2003
University of Puerto Rico  August 1995 - May 2001
Inter American University of Puerto Rico  November 1993 - July 1995
US Department of Energy  June 1993 - August 1993
Eli Lilly Export S.A.   October 1992 - May 1993

Skills
Negotiation, English, Customer Service, Spanish, Strategic Planning, Public Relations, Public Speaking, Marketing Strategy, Research, Market Research, Business Strategy, Event Planning, Marketing, Budgets, Business Development, Marketing Communications, Team Building, Business Planning, Leadership, Community Outreach, Strategy, Advertising, Management, Government, Press Releases, International Business, Alumni Relations..., Outreach, Public Speaker, Project Planning, Marketing Management, Newsletters, Start-ups, Program Management, Team Leadership, Coaching, Entrepreneurship, Social Media Marketing, Proposal Writing, Marketing Research, Social Networking, Event Management, Fundraising, Strategic Communications, Analysis, Nonprofits, Organizational..., Leadership Development

Education
University of Phoenix   1999 — 2001
MBA, Global Management

Universidad de Puerto Rico   1987 — 1992
BBA, Marketing

Colegio Santa Rosa   1983 — 1987
High School, General

Experience
Barclays Bank  February 2008 - August 2013
BBVA  October 2006 - November 2007
Banco Santander   October 2007 - October 2007
Transcom  September 2003 - September 2006
Teleperformance  October 2001 - June 2002
Bolsanet (stock market company)   January 1998 - May 2001

Skills
Servicio de atención al..., Microsoft Office, Microsoft Word, Negociación, Asset Managment, Business, Negotiation, Economics, E-Learning, Financial Risk, Internet, Leadership, Microsoft Excel, New Business Development, Social Networking, Organization, Quality Management, Quality Auditing, Trading, Strategic Planning, Customer Service, Coordination, Administrative..., Asset Management

Education
Complutense University of Madrid   2004 — 2006
Bachelor degree in Work Sciences, Human Resources Management/Personnel Administration

Complutense University of Madrid   1998 — 2004
Bachelor degree in Political Science and Public Administration, Major in Public Service

Experience
GE Capital  June 2012 - Present
Scotiabank  July 2007 - May 2012
RBC Royal Bank  January 2004 - June 2007
Banco Santander   July 1998 - January 2002

Skills
Underwriting, Credit Risk, Financial Analysis, Commercial Banking, Credit, Banking, Credit Analysis, Loans, Risk Management, Financial Risk, Retail Banking, Commercial Lending, Portfolio Management, Financial Institutions, Corporate Finance, Capital Markets, Relationship Management, Trade Finance, Financial Modeling, Derivatives, Structured Finance, Mortgage Lending, Valuation, Basel II, Wealth Management, Analysis, Internal Controls, Operational Risk, Auditing, Finance, Cash Management, Credit Cards, Financial Services, Forecasting, Investments, Operational Risk..., Strategic Financial...

Education
University of Miami - School of Business   1996 — 1997
MBA, Finance and International Business

Universidad de Lima   1989 — 1995
Bachelor, Economics

Experience
Banco Santander   August 2013 - Present
ISBAN via M> Consulting   August 2009 - July 2013
Accenture  February 2001 - July 2009

Skills
PMO, Software Project..., Business Analysis, IT Strategy, Business Intelligence, Project Portfolio..., Banking, Management Consulting, IT Management, ITIL, Business Process, Business Transformation, Business Process Design, Project Management, Business Process..., Change Management, Requirements Analysis, COBOL, Project Delivery, Integration

Education
Universidad de Extremadura   1994 — 2000
Ingeniero Industrial Superior, Generalista

Experience
Barclays  March 2012 - Present
barclaycard  February 2006 - March 2012
Banco Santander   November 2001 - February 2006
Department for Work and Pensions (DWP)   June 2000 - July 2001

Skills
Predictive Modeling, Data Analysis, Fraud, Fraud Detection, Credit Card Fraud, Online Fraud, Statistical Modeling, Predictive Analytics, SAS programming, Scorecard Management, Global Management, Global Strategy, Team Leadership, Team Management, Financial Crime, Anti Money Laundering, Data Science

Education
The University of Sheffield   1997 — 2000
Bachelor's Degree, Economics & Politics

Experience
Banco Santander   February 2015 - Present
Banco Santander   April 2010 - February 2015
Grupo Banco Popular  May 2009 - April 2010
KPMG Audit  September 2008 - March 2009

Skills
Internal Audit, Derivatives, Risk Management, Financial Markets, Capital Markets, Auditing, Financial Audits, Finance, Internal Controls, MySQL, SQL, VBA, VB.NET, SAS programming, SAS, Auditorías internas, Control interno, Contabilidad, Derivados, Finanzas, Gestión de riesgos, Riesgo del mercado, Riesgo financiero, Banca

Education
Instituto de Estudios Bursátiles   2008 — 2009
MSc

Universidad Carlos III de Madrid   2004 — 2008
Bachelor

Experience
Banco Santander   October 2007 - December 2012
Capgemini  September 2005 - September 2007

Education
Universidad Pontificia Comillas   1999 — 2005
Degree in Business Administration ICADE E-3

ESC Bordeaux   2004 — 2004
Études de Commerce

Universidad Pontificia Comillas   1999 — 2004
Law degree ICADE E-3

London School of Economics and Political Science, U. of London
Business Analysis and Valuation

Experience
Crate & Barrel  October 2008 - December 2012
Office Angels  September 2007 - February 2008
Communicative People   September 2006 - August 2007
Banco Santander   September 2005 - September 2006

Skills
Microsoft Office, Marketing Communications, Team Leadership, Outlook, Sales, Human Resources, Management, Customer Service, Training, Time Management, Social Networking, PowerPoint, Event Planning, Merchandising, Social Media, Retail Sales

Education
The University of Glasgow   2001 — 2005
MA Hons, English Literature

Experience
Great Properties   2012 - Present
Aguirre Newman  April 2009 - March 2011
Gail L. Grossman, Esquire P.A. Law Office   November 2008 - February 2009
Deloitte  April 2008 - June 2008
Banco Santander   July 2006 - September 2006
Banco Santander   July 2005 - September 2005

Education
Universidad Autónoma de Madrid   2001 — 2008
Law and Business Administration Degree, Law and Business

Experience
Santander Private Banking International  December 2014 - Present
Banco Santander   May 2013 - Present
Banif Málaga   January 2005 - Present
BANCO BANIF  2004 - 2009
Banco Madrid   2003 - 2005

Skills
Private Banking, Client-focused, Financial Markets, Banking, Investments, Asset Management, Investment Banking, Equities, Derivatives, Corporate Finance, Portfolio Management, Capital Markets, Business Strategy, Wealth Management, Fixed Income, Financial Analysis, English, Bloomberg, Mercados financieros, Inversiones, Banca privada, Acciones, Análisis financiero, Banca, Banca de inversión, Estrategia empresarial, Finanzas corporativas, Gestión de activos, Gestión de cartera de..., Mercado de capitales, Derivados, Gestión de capital, Inglés, Rentas fijas

Education
Universidad de Navarra   1997 — 2002
Licenciado, Derecho

Experience
Banco Santander   February 2010 - Present
Spanish Trade Commission in USA   October 2008 - October 2009
BBVA  January 2007 - September 2007
Banco Santander   June 2006 - December 2006
Banco Santander   November 2005 - May 2006

Education
ICEX - CECO Business School (MBA)   2008 — 2008
Master of Business Administration (MBA), International Business Development / Global Trade / Commerce

Goethe Institut   2005 — 2005
Zentrale Mittelstufenprüfung (ZMP), German Language and Literature

Universidad Complutense de Madrid   2002 — 2004
Bachelor of Business Administration (BBA), Business Administration and Management, General

Universidad Complutense de Madrid   1998 — 2002
Bachelor of Economy, Economics

Experience
Banco Santander US   December 2014 - Present
Consultant Comp   May 2013 - June 2014
Banco Santander   2002 - 2012
Electronic Data Systems  March 1999 - June 2002
Banco Popular de Puerto Rico  January 1994 - March 1999
Dept of the Treasury in Puerto Rico   1981 - 1991

Skills
COBOL, Analysis, Databases, VSAM, Programming, Visio, Microsoft Excel, DB2, Product Development, Project Management, Systems Analysis, JCL, SQL, MS Project, Microsoft Office, PowerPoint, Data Analysis, TSO, Oracle, Quantitative Analytics, Oracle Applications, MVS, NATURAL

Education
Universidad de Puerto Rico   1975 — 1979
Bachelor of Arts (BA) - Cum Laude, Economics

Experience
Santander U.S  May 2014 - Present
Santander U.S  March 2011 - May 2014
Banco Santander   March 2008 - March 2011

Skills
Risk Management, Quantitative Finance, Portfolio Management, Credit Risk, Basel II, Economic Capital, Quantitative Analytics, Econometrics, Stress Testing, Mathematical Modeling, Credit Derivatives, Matlab, Data Mining, SAS programming, SAS/SQL, R, Web Design, TeX, CVA, CCAR

Education
Universidad Complutense de Madrid   2006 — 2008
MSc, Quantitative Finance and Banking

Universidad del País Vasco/Euskal Herriko Unibertsitatea   2001 — 2006
B.A. in Economics, Economics

International Faculty of Finance   2010 — 2010
Advanced Financial Risk Programme, Finance

Experience
Banco Santander   November 2003 - Present

Skills
Customer Service, Research, Windows, Photoshop, Banking, Management, Microsoft Office, Financial Analysis, Finance

Education
Universidad de Puerto Rico   1980 — 1986
Bachelor of Business Administration (B.B.A.), Ciencias Secretariales

Experience
Solis Advisors Ltd   August 2015 - Present
Morgan Stanley  July 2007 - January 2015
Banco Santander   April 1998 - July 2007
Deutsche Bank  October 1996 - February 1998
ING Barings  January 1996 - October 1996
ING Barings  September 1994 - December 1995
U.S. Department of Housing and Urban Development   1990 - 1992

Skills
Equities, Hedge Funds, Capital Markets, Equity Research, Emerging Markets, Fixed Income, ETFs, Investment Banking, Securities, Investment Strategies, Portfolio Management, Financial Markets, Investments, Equity Valuation, Derivatives, Alternative Investments, Asset Management, Private Equity, Series 7, Investment Management, Structured Products, Bonds, Asset Allocation

Education
University of Chicago Graduate School of Business   1992 — 1994
1994, MBA

University of California, Davis   1985 — 1989
BA, International Relations

Experience
Citi  May 2015 - Present
Regions Financial Corporation  November 2007 - June 2015
Mercantil Commercebank  June 2006 - November 2007
Mercantil Commercebank  July 2003 - December 2006
Banco Santander   October 2000 - March 2003
Citi  December 1997 - September 2000
Citi  October 1994 - October 1997
Citi  October 1991 - October 1994

Education
Universidad Metropolitana (VE)   1997 — 2000
Master's Degree, Finance

Universidad Católica Andrés Bello   1985 — 1992
Bachelor's Degree, Accounting

Experience
Chase  March 2014 - Present
Banco Santander   August 2011 - December 2011
Banco BCI  October 2010 - May 2011

Education
Universidad de Buenos Aires / UBA
Administracion de Empresas, Economia y gestion

Universidad de Chile

Experience
Santander Bank, N.A.   January 2014 - Present
Santander Bank, N.A.   September 2009 - December 2013
Banco Santander   October 2006 - March 2010
Banco Santander   March 2005 - October 2006
Banco Santander   January 2004 - March 2005
Banco Santander   February 2002 - January 2004
Banco Santander   March 2001 - January 2002
Banco Santander   January 2001 - March 2001
Banco Santander   September 2000 - January 2001
Banco Santander   July 1998 - August 2000

Skills
Change Management, Banking, Project Management, Retail Banking, Spanish, Management Consulting, Business Process..., Management, Gestión de cartera de..., Análisis de negocio, Estrategia TI, Banca, Servicios financieros, Consultoría de..., Administración y..., Banca minorista, Gestión de proyectos, Español, Riesgo de crédito, IT Strategy, Financial Services, Business Strategy, Portfolio Management, Financial Analysis, Risk Management, Credit Risk, Mejora de procesos de..., Financial Risk, Cambio organizacional

Education
Universidad de Alcalá   2001 — 2002

Experience
Banco Popular de Puerto Rico  September 2013 - Present
Nielsen  March 2012 - September 2013
Nielsen  April 2010 - March 2012
Nielsen  November 2009 - March 2010
Banco Santander   June 2007 - January 2009
General Electric (GE)   August 2005 - August 2006

Skills
Team Leadership, Data Analysis, Creative Problem Solving, Marketing Strategy, Customer Relations, Customer Service, Management, Leadership, Project Management, Marketing, Analysis, Market Research, Marketing Research, Market Analysis, Business Analysis, Cross-functional Team..., Sales, Advertising

Education
University of Puerto Rico   2001 — 2007
BBA, Marketing

San Jorge Academy   1997 — 2001
High School

Experience
Valley National Bank  February 2014 - Present
Eastman Kodak  September 2008 - September 2013
Banco Santander   2013 - 2013

Skills
Microsoft Access..., Higher National..., Management of..., Microsoft Office, Microsoft Excel, Microsoft Word, Microsoft Access, Photoshop, Leadership, Social Media, Corporate Strategy..., Marketing Communications, Internal Communications, Internal & External..., Small Business, International Business..., Proposal Writing, Business Strategy, Project Management

Education
University of Ulster   2011 — 2013
Bachelor of Science (BS), Business Studies

University of Ulster   2009 — 2013
Bachelor of Science (BS), Business

Experience
University of Puerto Rico at Mayagüez - UPRM   September 1999 - Present
Cooperativa de Ahorro y Crédito de Mayagüez   August 1998 - September 1999
PUCPR and AIC Elemental School   August 1997 - May 1998
Banco Santander   May 1996 - June 1997

Skills
Library, Academic Libraries, Electronic Resources, Higher Education, Digital Libraries, Information Literacy, Microsoft Office, LibGuides, Integrated Library..., Collection Development, Student Affairs, Adobe Acrobat, Library Research, Archives, Library Management, Circulation, Virtual Reference, Highly responsible, Emergency Planning, Disaster Response, Sirsi Dynix Symphony..., Web Services, Supervisory Skills, Customer Service, Managed Services, Service Development, Libraries

Education
Universidad de Puerto Rico   1989 — 1995
Bachelor of Science (BS), Pre-Medicine/Pre-Medical Studies, B

Eugenio Maria de Hostos High School   1986 — 1989

Experience
Banco Santander   June 2014 - Present
Banco Santander   April 2011 - Present
Wells Fargo  October 2009 - March 2011
Wells Fargo  June 2005 - September 2009
Wells Fargo  April 2002 - June 2005

Skills
Microsoft Office, Microsoft Excel, Customer Service, PowerPoint, English, Windows, Outlook, Public Speaking, Retail Banking, Management, Reporting & Analysis, Leadership, Analysis, Strategy, Performance Management, Sales, Retail

Education
The University of Georgia   1999 — 2001
Master of Business Administration (MBA)

University of North Carolina at Chapel Hill   1991 — 1995
Bachelor of Arts (BA), Psychology

Experience
Citi  June 2015 - Present
GE Capital  December 2014 - May 2015
Tata Consultancy Services Nielsen FnA   August 2013 - November 2014
Banco Santander   May 2011 - November 2011
Caja Rural de Salamanca   April 2010 - June 2010

Skills
Banking, Financial Accounting, Accounts Receivable, Microsoft Excel, SAP, Spanish, Spanish-speaking, Portuguese, Customer Service, Billing Process, Risk Management, US GAAP, Operational Risk, Vlookup, Pivot Tables, Nielsen

Education
Universidad de Alcalá   2011 — 2011
Master of Finance and Banking, Banca y servicios financieros

Universidad de Salamanca

Experience
Banco Santander   July 2011 - Present
Santander Asset Management  July 2008 - October 2011
La Caixa  April 2008 - June 2008
Morgan Stanley  June 2005 - April 2008

Skills
Mercados financieros, Gestión de cartera de..., Inversiones, Gestión de activos, Banca, Acciones, Banca privada, Mercado de capitales, Rentas fijas, Derivados, Análisis financiero, Asignación de activos, Bloomberg

Education
Financial Industry Regulatory Authority (FINRA)   2011 — 2011
General Securities Representative - (Series 7)

AFI   2007 — 2007
Course Equity Derivatives. (AFI).

EFPA   2006 — 2006
Certificate EFA (European Financial Advisor).

Instituto de Estudios Bursátiles (IEB)   2000 — 2005
Master in stock exchanges and financial markets.

Universidad Complutense de Madrid   2000 — 2005
Bachelor of Legal-Financial Studies

Experience
Sony Electronics  April 2014 - Present
Sony Electronics  December 2012 - March 2014
Sony  December 2010 - December 2012
Gulf Marine de Mexico   July 2009 - November 2010
Megacable   August 2008 - July 2009
Banco Santander   January 2007 - January 2008
Comercializadora Gonac   September 2005 - September 2006
Cerveceria Cuauhtemoc Moctezuma  August 2003 - January 2004

Skills
Business Strategy, Marketing Strategy, Marketing Management, Public Relations, Social Media, Product Marketing, Microsoft Office, Product Management, Management, Online Marketing, Online Advertising, Marketing Communications, Digital Marketing, Social Media Marketing, Negotiation, Market Research

Education
Universidad Complutense de Madrid   2006 — 2007
Advertising Management (Master), Advertising

Universidad Popular Autónoma del Estado de Puebla   2000 — 2005
Marketing, International Marketing

Experience
Santander US  August 2013 - Present
Santander  2010 - 2013
Santander Bank, N.A.   2009 - 2010
Banco Santander   2007 - 2009
Santander (previously Abbey in UK)   2005 - 2007
Novantas  1999 - 2005
First Manhattan Consulting Group  1997 - 1999
JPMorgan Chase (First NBC / Bank One)   1994 - 1996

Skills
Financial Services, Banking, Strategy, Portfolio Management, Financial Modeling, Commercial Banking, Credit Risk, Mergers & Acquisitions, Retail Banking, Risk Management, Business Strategy, Business Planning, Financial Risk, Finance, Credit, Financial Analysis, Corporate Finance, Credit Cards, Management Consulting, Investment Banking, Analytics, Valuation, Segmentation, Acquisition Integration, Sales Management, Marketing Strategy, Mergers, Brokerage, Multi-channel Retail, Digital Customer..., Change Management

Education
Tulane University - A.B. Freeman School of Business   1995 — 1997
Master of Business Administration (M.B.A.), Finance and Entrepreneurship

Tulane University   1992 — 1995
Bachelor's Degree, Economics and German

Universität Hamburg   1994 — 1994
International Economics

Experience
W&E Communications  November 2014 - Present
Tri-Mar Consulting, Inc   December 2013 - July 2014
University of Rochester - William E. Simon Graduate School of Business Administration   August 2012 - December 2013
Inter-American Development Bank  June 2012 - September 2012
Banco Santander   February 2010 - August 2011
Banco Santander   June 2008 - January 2010
Colegio Universitario Francisco de Miranda   February 2007 - January 2010
Banco Santander   June 2007 - June 2008
Centro de Desarrollo Integral Siglo XXI   May 2006 - May 2007
Commission for the Administration of Currency Exchange CADIVI   May 2005 - March 2006

Skills
Excel, Opics, PowerPoint, Word, RiskSolver, Ols, Bloomberg Terminal, Financial Analysis, Financial Modeling, Financial Statement..., Modeling, Financial Risk, Credit Risk, Strategic Financial..., DCF, Microsoft Excel, Microsoft Word, Risk Management, Business Strategy, Spanish, Capital Markets, Leadership, Derivatives, Portfolio Management, Due Diligence, Quantitative Analytics, Business Analysis, Corporate Finance, OLS, Analysis, Data Analysis, Team Management, Fixed Income, Finance, Credit, Management, Economics, Bloomberg, Valuation, Equities, Banking, Strategic Planning, Investment Banking, Project Finance, Investments, Analytics, VBA, Program Management, Start-ups, Market Risk

Education
University of Rochester - William E. Simon Graduate School of Business Administration   2011 — 2013
MBA, Business Administration

Universidad Metropolitana (VE)   2006 — 2007
Diploma, Financial Engineering

Universidad Central de Venezuela   2002 — 2005
Masters, International Economics

Universidad Central de Venezuela   1996 — 2002
Bachelor, International Studies

Liceo Padre Machado   1990 — 1994
High School

Colegio Santa Mónica   1988 — 1990
High School

Experience
RödRäv Sky Media   October 2014 - Present
Volpi Health   April 2010 - Present
CICLISMO VOLPI   2010 - Present
Valyfund Venture Capital L.P.   January 2005 - April 2010
Banco Santander   January 1990 - 2005
Banamex  1987 - 1991
Banamex  1987 - 1991

Skills
Marketing Strategy, Strategic Planning, Start-ups, Negotiation, Team Leadership, Nonprofits, Microsoft Office, Team Building, Sales Management, Marketing Communications, Public Relations, Digital Marketing, Event Planning, Advertising, Event Management

Education
The University of Manchester
Diploma, Public Policy Analysis

Universidad Iberoamericana, Ciudad de México
Bachelor's degree, Economics

Experience
Citi  March 2014 - Present
Banamex  January 2013 - March 2014
Banamex  April 2009 - January 2013
Banco Santander   February 2008 - November 2008
Banamex  February 1997 - February 2008

Skills
Project Portfolio..., Finance, Banking, Teamwork, Credit, Credit Risk, Corporate Finance, Financial Analysis, Financial Risk, Credit Cards, Portfolio Management, Credit Analysis, Business Strategy

Education
IPADE   2005 — 2007
Master, Alta Direccion de Empresas

Universidad Anáhuac del Sur, A.C.   1997 — 2001
Licenciatura en Economía, Financiero/Económico

Experience
John Hancock Financial Services  May 2013 - Present
John Hancock Financial Services  August 2011 - 2013
John Hancock Financial Services  September 2010 - August 2011
John Hancock Financial Services  March 2007 - September 2010
John Hancock Life Insurance Company (U.S.A)   February 2004 - September 2007
Manulife Financial  April 2002 - February 2004
Manulife Financial  August 1999 - April 2002
Manulife Financial  September 1997 - August 1999
Telefónica  March 1996 - October 1996
Banco Santander   June 1992 - June 1995

Skills
Business Development, Financial Services, Mutual Funds, Business Analysis, Investments, Relationship Management, Process Improvement, Insurance, Retirement, 401k, Risk Management, Business Process..., Project Management, Retirement Planning, Wealth Management, Strategic Financial..., Pensions, Series 6, Vendor Management

Education
York University   1984 — 1988
Bachelor of Arts (BA), English Language and Literature/Letters

Université Paris Sorbonne (Paris IV)   1986 — 1987
Certificate in French Studies

Universidad Complutense de Madrid   1983 — 1984
Certificate in Hispanic Studies

Experience
Banco Santander   October 2013 - Present
Banco Santander   January 2010 - September 2013
Banco Santander   August 2007 - December 2009
Renmax Sociedad de Bolsa, S.A.   February 2006 - August 2007

Education
Universidad de Montevideo   2003 — 2006
Contador Público, Económicas

Universidad de Montevideo

Experience
Banco Santander Puerto Rico  February 2014 - Present
Banco Santander   August 2009 - February 2014
Doral Bank  October 2007 - May 2009
Marichal & Hernández, L.L.P.   July 2003 - September 2007

Skills
Bankruptcy, Loans, Credit, Restructuring, Mortgage Banking, Retail Banking, Risk Management, Credit Risk, Commercial Litigation, Real Estate, Business Strategy, Banking, Management

Education
University of Puerto Rico   2001 — 2004
Juris Doctor, Law

University of Florida   1997 — 2001
Bachelor of Science (BS), Finance, General

Experience
BBVA Compass  April 2013 - Present
BNP Paribas Wealth Management  October 2011 - August 2012
Banco Santander   2009 - 2011
Santander Private Banking  2004 - 2009

Skills
Structured Products, Investment Banking, Portfolio Management, Financial Markets, Capital Markets, Private Banking, Risk Management, Banking, Fixed Income, Equities, Derivatives, Hedge Funds, Asset Management, Emerging Markets, Bloomberg

Education
Universidad Complutense de Madrid
Economics

Experience
Brink’s  December 2013 - February 2014
Banco Santander   March 2010 - August 2010
Banco Central de Venezuela  January 2005 - November 2007

Skills
Banca, Finanzas corporativas, Finanzas, Análisis, Administración y..., Análisis financiero, Finance, Financial Analysis, Analysis, Corporate Finance, Management

Education
Universidad Politécnica de Madrid   2009 — 2012
MBA, Direccion y Administracion de Empresas

Universidad de Alcalá   2008 — 2009
Master en Finanzas, Finanzas

Universidad Central de Venezuela   2000 — 2005
Licenciado en Administracion Comercial, Administracion de Empresas

Experience
Inter-American Development Bank  May 2012 - Present
Banco Santander   January 1999 - May 2012
Banco Santander   November 1996 - December 1999
Argentaria   September 1993 - June 1996
Analistas Financieros Internacionales  September 1993 - November 1993
Ministerio de Economía y Hacienda.   February 1983 - July 1993

Skills
Emerging Markets, Economics, Banking, Financial Markets, Macroeconomics, Investment Banking, Capital Markets, Credit Risk, International Economics, Econometrics, Corporate Finance, Monetary Policy, Economic Research, Spanish, Latin America, Economía, Mercados emergentes, América Latina

Education
Universidad Autónoma de Madrid   1974 — 1979
Economia

Experience
Banco Santander   June 2000 - Present
Banco Central Hispano-USA   1995 - 2000

Education
Universidad Complutense de Madrid   1989 — 1995
Licenciado, Economics and Business administration

Experience
Banco Santander   February 2006 - Present
Wachovia Bank, CORP   2003 - February 2006
First Class Cellular   2000 - 2003
Burson-Marsteller Miami  1998 - 2000
Burson-Marsteller  1994 - 1998

Skills
Banking, Financial Analysis, Risk Management, Portfolio Management, Credit, Investments, Customer Service, Financial Risk, Management, Spanish, English, Leadership, Teamwork

Education
Universidad Complutense de Madrid   1993 — 1994
Master's degree, Business Communication

Universidad Complutense de Madrid   1989 — 1993
Bachelor's degree, Information Sciences, Advertising and Public Relations

Gold Coast Schools   2002 — 2002
License, Real Estate

Experience
Doral Bank  April 2013 - Present
Real Estate  2005 - 2013
Banco Santander   2002 - 2004
Citibank, N.A.   2000 - 2002
Citibank NA  1997 - 2000
Citibank, N.A.   1994 - 1997
Citibank, N.A.   1992 - 1994
The Chase Manhattan Bank  1989 - 1992
Price Waterhouse Management Consultants  1985 - 1989

Skills
Credit Risk, Credit Analysis, Real Estate, Risk Management, Mortgage Underwriting, Mortgage Banking, Quality Control, Financial Audits, Consumer Lending, Compliance, Banking, Policies & Procedures..., Retail Banking, Investor Relations, Business Process..., Quality Auditing, Quality Assurance, Regulatory Compliance, Portfolio Management, Real Estate Financing, Credit, Real Estate Economics, Investments, Internal Audit, Residential Mortgages, Mortgage Lending, Due Diligence, Mergers & Acquisitions, Underwriting, Internal Controls, Asset Management, Loans, Referrals, Investment Properties, Credit Cards

Education
University of Puerto Rico
Bachelor's degree, Accounting & Marketing

Experience
OSTC Ltd.   August 2013 - November 2014
OSTC Ltd.   September 2010 - August 2013
Atlas Capital  April 2008 - April 2010
Banco Santander   September 2007 - March 2008
Deloitte  April 2005 - December 2005

Skills
Inversiones, Derivados, Bloomberg, Banca de inversión, Interest Rate..., Credit Derivatives, Futures Trading, Oil & Gas, Investment Banking, Fixed Income, Trading, Trading Systems, Electronic Trading, Corporate Finance, CQG

Education
Universidad Autónoma de Madrid   2010 — 2011
Master in Security and International Relations: Geoeconomics and Geopolitics, International Relations, Master

Universidad de Vigo   1999 — 2004
Bachelor in Economics, International Economic Theory, Bachelor

IEB
Programa Avanzado de Especialización en Valoración de Empresas

IEB
Programa Avanzado de Especialización en Análisis Técnico y Cuantitativo

Universidad Nacional de Educación a Distancia - U.N.E.D.
Master in Stock Markets and Financial Derivatives, Master

Experience
DDR Corp.  April 2013 - Present
DDR Corp.  February 2005 - March 2013
PMI  February 2001 - February 2005
Banco Santander   April 1999 - January 2000

Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Customer Service, PowerPoint, English, Research, Windows, Outlook, Photoshop, Teaching, HTML, Budgets, Advertising, Social Media Marketing

Education
Universidad de Puerto Rico   1992 — 1996

Experience
Standard Chartered Bank  2014 - Present
Banco Santander   2013 - 2014
HSBC  2011 - 2012
HSBC  2009 - 2011
HSBC Canada  2007 - 2009
HSBC Credit Cards USA   2005 - 2007
HSBC Bank UK  2001 - 2005
Bank of Scotland  1998 - 2001

Skills
Segmentation, Analytics, Marketing Strategy, Proposition Development, Product Innovation, Digital Marketing, Digital Strategy, Strategic Partnerships, Customer Insight, Customer Acquisition, Pricing Strategy, Credit Cards, Integrated Marketing, Marketing, Strategy, Market Planning

Education
University of Strathclyde Business School   1994 — 1996
Master of Business Administration (M.B.A.)

The University of Dundee   1985 — 1989
Masters, Economics

Experience
Tradition  January 2010 - Present
Enlace Inc. NY  February 2007 - October 2009
CIMD   January 2001 - January 2007
Capital Markets Consultants   January 1996 - January 2001
Banco Santander   1994 - 1996
Money Market Brokers   1991 - 1994

Skills
Trading, Fixed Income, Interest Rate..., Foreign Exchange, FX Options, Capital Markets, Swaps, Derivatives, Forwards, Structured Products, Financial Markets, Equities, Investment Banking, Bonds, Options, Portfolio Management, Emerging Markets, Bloomberg, FX trading, Currency, Banking

Education
Universidad Complutense de Madrid   1990 — 1994
Bachelor of Arts (B.A.), Economics

Experience
UBS Investment Bank  June 2003 - Present
Banco Santander   March 2002 - June 2003
Goldman Sachs  August 1996 - October 2001

Skills
Equity Trading, Andean Equity Sales, Equities, ETFs, Latin America Equities..., Mexico Equity Sales, Structured Products, Equity Derivatives, Fixed Income, Hedge Funds, Derivatives, Capital Markets, Bloomberg, Financial Markets, Electronic Trading, Trading Systems, Investment Banking, Equity Research, Prime Brokerage

Education
Universidad Anahuac   1998 — 2000
Master's, Finance

Universidad Anahuac   1994 — 1998
BA, Business

Experience
Abengoa Bioenergy  January 2006 - Present
Abengoa  2014 - 2014
Abengoa  2014 - 2014
PwC  January 2004 - December 2005
Banco Santander   January 2002 - December 2003

Skills
Financial Reporting, Forecasting, Financial Analysis, Budgets, Accounting, Financial Audits, Managerial Finance, SAP, Auditing, Internal Controls, Business Planning, Microsoft Excel, Sarbanes-Oxley Act, Financial Accounting, Finance, Internal Audit, Corporate Finance, Financial Modeling, Business Strategy

Education
Universidad Complutense de Madrid
Licenciado en Ciencias Empresariales, Auditing

Experience
Banco Santander   September 2002 - Present
BBVA  June 1987 - April 1994

Education
Universidad Autónoma de Madrid   1987 — 1994
Licenciado, Ciencias Económicas

Experience
Banco Santander   June 2006 - Present

Skills
Sales, Financial Analysis, Financial Services, Credit Analysis, Leadership, Customer Experience, Customer Satisfaction, Customer Service, Finance, Mortgage Lending, Sales Process, Marketing, Cross Selling, Negotiation, Teamwork, Analysis, Loans, Customer Retention

Education
Universidad Interamericana   2003 — 2005
MBA. Markrting

Universidad de Puerto Rico   1998 — 2002
Bachelor's degree, Finance