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Ruth de Krivoyhttps://www.wsbi-esbg.org/People2/Ruth De Krivoy.pngRuth de KrivoyDistinguished Finance / Economics Expert with extensive contributions to strategic planning, risk management, policy development and implementation. Dynamic, self-driven, internationally known author, speaker and business leader, with 30+ years of experience formulating sound policies and operating procedures for private and public sector corporations. Progressive thinker with keen analytical skills and proven decision-making abilities. Background includes university level teaching and lecturing on monetary theory and banking for the International Monetary Fund Institute and leading universities in Venezuela and the United States. Industry expertise includes banking, finance, and telecommunications. Distinguished Finance / Economics Expert with extensive contributions to strategic planning, risk management, policy development and implementation. Síntesis FinancieraPresident
Javier Gonzalez Fragahttps://www.wsbi-esbg.org/People2/Javier Gonzalez Fraga.jpgJavier Gonzalez FragaProfessional Experience  Bachelor in Economics from UCA (Universidad Católica Argentina) (1971). Currently, Ph. D. Candidate.  Teacher at UCA from 1973 to 2000, appointed Full Professor since 1994.  Member of the Board of Public Companies (Directorio de Empresas Públicas) in 1987, during Raúl Alfonsín Presidency.  Chairman of the Central Bank of the Republic of Argentina, twice between 1989 and 1991.  Vice-President of the Buenos Aires Stock Exchange between 1994 and 1999.  Director of the Argentine Institute of Capital Markets between 1992 and 1999.  Best SMEs Entrepreneur of the Decade (1998) Konex award as Founder of the dairy company La Salamandra S.A.  Since 1974 Economic and Financial Advisor, Agriculture-Livestock Producer and Lecturer.  Candidate to Vice-President of Argentina in 2011, with UCR.  Current Chairman of Banco de la Nación Argentina.Banco de la Nación Argentina Chairman
Chris De Noosehttps://www.wsbi-esbg.org/People2/Chris De Noose.pngChris De NooseChris De Noose is the Managing Director of the World Savings and Retail Banking Institute and the European Savings and Retail Banking Group. In addition, he is a Member of the European Banking Industry Committee (EBIC), Member of the Board of the Hochschule der Sparkassen-Finanzgruppe, Member of the European Payments Council, Member of the Board of Child and Youth Finance International, former Member of the Banking Stakeholder Group of European Banking Authority and Secretary General of the Mediterranean Confederation. Furthermore, he is also a Member of the Kuratorium of the Foundation for International Co-operation of the German Savings Banks and he is Chairman of the Executive Committee of WSBI Advisory Services.WSBI-ESBGManaging Director
Yolanda Cuehttps://www.wsbi-esbg.org/People2/Yolanda Cue.pngYolanda CueYolanda Cue has more than 15 years of experience in the financial sector, particularly involved with financial inclusion programs and development banking. At current time, she is Deputy General Director for Financial Inclusion at BANSEFI, which is the government bank, coordinated by the Ministry of Finance, that is responsible, among others, for the electronic distribution and financial inclusion of the most important social aid program in Mexico, “Prospera”, that targets more than 6.5 million families; the safeguard of remittances inflows and the promotion of national savings. At Bansefi, Yolanda is in charge of the financial inclusion and financial education strategy, the design of programs and products portfolio, the international cooperation agenda, the technical assistance support to non-bank financial intermediaries that contribute to formal financial inclusion, the commercial alliance “L@Red de la Gente”, and the relationship with money transmitters for remittances. She worked at the Mexican Ministry of Finance, where she was Deputy General Director responsible, among others, for the public policy and coordination regarding the Mexican development banks. Yolanda holds a Bachelor’s Degree in Economics from the University of the Americas-Puebla, and a Master’s Degree in Public Policies from the Technological Autonomous Institute of Mexico. BANSEFIDeputy General Director for Financial Inclusion
Rudy Víctor Araujo Medinacellihttps://www.wsbi-esbg.org/People2/Rudy Araujo.pngRudy Víctor Araujo MedinacelliRudy Araujo is Secretary General of the Association of Supervisors of Banks of the Americas since July, 2000; with financial and public regulatory and policy design and implementation experience stemming from his professional development as:  ASBA’s representative before Core Principles Liaison Group and the Basel Consultative Group of the Basel Committee on Banking Supervision;  International Consultant on Structural Reforms and Financial Sector Development;  Vice minister of the Presidency of Bolivia;  Executive Director of the National Statistics Institute of Bolivia  Undersecretary of the Pension’s System in Bolivia;  Bank Supervisor at the Superintendence of Banks and Financial Entities of Bolivia;  Business Statistics Instructor at Western Illinois University. Mr. Araujo holds a M.A. in Economics and a M.A. in Human Resources Management from Truman State University, and a BS. in Economics from Western Illinois University. Asociación de Supervisores Bancarios de las Américas/ASBASecretary General
Alejandro Cosentinohttps://www.wsbi-esbg.org/People2/Alejandro Cosentino, CEO Afluenta.jpgAlejandro CosentinoAlejandro Cosentino is the Founder & CEO of Afluenta. He’s a well-known Latin American Fintech entrepreneur who combines an extensive experience running successful financial services operations across Latin America and creating Fintech innovative products and services. He played a significant role revamping American Express Latin America and Caribbean division during the 1990’s and the successfully transformation of Banco Río (before begin acquired of Banco Santander). His ability to create better customer experiences led him to win several awards from Fintech associations in several Argentina, Peru and Mexico. Alejandro has become one of the most active Fintech evangelist. His active participation as a speaker took him to keynote in conferences across USA, Europe and Asia. He is also a blogger, Latin newspaper columnist and business mentor of Fintech startups. He is founder member of the Argentine Entrepreneur Association (ASEA), the Argentine Fintech Association and member of the Iberoamericas Fintech Alliance. Alejandro has a Business Administration and CPA degree from Universidad Católica Argentina.AfluentaFounder & CEO
Matthew S. Gamserhttps://www.wsbi-esbg.org/People2/Matthew Gamser.jpgMatthew S. GamserMatthew Gamser is CEO of the SME Finance Forum, the world’s leading center for knowledge exchange, good practice promotion and networking for the finance industry in this field. The SME Finance Forum is managed by the International Finance Corporation (IFC) for the G-20 countries’ Global Partnership for Financial Inclusion. The SME Finance Forum has over 140 banks, fintech companies and development banks from more than 60 countries as its members. Dr. Gamser has over 35 years’ experience in private enterprise and financial sector development. He has worked for IFC, the private sector arm of the World Bank Group, for 13 years in various positions from Washington, DC, and Hong Kong. Prior to that he spent 25 years in management consulting and in senior leadership in an international NGO. He holds A.B. and A.M. degrees from Harvard University, and M.Sc. and D.Phil degrees from Sussex University (UK), where his work focused on the management of technological change.SME Finance Forum, International Finance Corporation (IFC)CEO
Carlos Serranohttps://www.wsbi-esbg.org/People2/Carlos Serrano.jpgCarlos SerranoCarlos is currently Head of Business Development focused on Climate Finance for the financial sector in LAC, within the IFC Financial Institutions Group and is based in Bogota covering all of Latin America and the Caribbean. He has led and promoted the IFC Green Finance Program for Latin American banking. He has over 30 years of experience in International Banking and Finance in the BBVA Group, the IDB, the IIC (now BID Invest) and IFC. He was a member of the Global Management Team of the BBVA Group for 23 years, in which he held managerial responsibilities in consumer banking, investment banking and capital markets, foreign trade and transactional banking in Asia, MENA, Europe and the Americas. He dedicated 5 years of his professional career to advising, promoting access to finance and green finance at the Inter-American Development Bank and the Inter-American Investment Corporation in Washington DC where he led the GREENPYME program of green finance facilitation to banks and SMEs of LAC. Prior to joining the IFC in 2013, Carlos worked for the BBVA Microfinance Foundation as Director of Institutional Relations. Carlos is a lawyer from the Universidad Complutense, CEU (Madrid), has an MBA from the IE Business School (Madrid) and has a financial management certicate by Stanford GBS. Financial Institutions Group (FIG) of International Finance Corporation (IFC)Head of Business Development for LAC
Diego F. Prieto Riverahttps://www.wsbi-esbg.org/People2/Diego F Prieto Rivera.jpgDiego F. Prieto RiveraDiego Fernando Prieto Rivera, Chairman of the Board of Directors and President of Banco Caja Social, holds an economics degree from the Pontifical Xavierian University (Bogota) and has a remarkable record of accomplishment at Banco Caja Social. He started his professional career in 1989 as management assistant at Caja Social de Ahorros. He occupied several positions: Analyst, Economic Researcher, Human Resources Management, Vice President of Human Development at Fundación Social, Corporate Business Vice President and Constructor of BCSC. Previously, he served as General Manager of Finandina S.A. and Director General of Franklin Covey, where he focused on Colombia, Venezuela and Peru. During his career, he has been member of different board of directors, such as those of Fiduciaria and Capitalizadora Colmena, ACH, Titularizadora Colombia and Asobancaria, among others. Banco Caja SocialPresident
Isidro Fainéhttps://www.wsbi-esbg.org/People2/Isidro Fainé.pngIsidro FainéIsidro Fainé, born in Manresa in 1942, is Chairman of "La Caixa' Banking Foundation and of Criteria Caixa. Before that, he was Chairman of CaixaBank. He is a member of the Royal Academy of Economics and Finance and of the Royal Academy of Doctorate Holders. Isidro Fainé is the Vice-Chairman of Telefónica, an adviser to Bank of East Asia and the Suez Environnement Company. He is currently the Chairman of the Spanish Confederation of Savings Banks (CECA), President of The European Savings Banks Group (ESBG) and the Deputy Chairman of the World Savings Banks Institute (WSBI). He is also the Chairman of the Spanish Confederation of Directors and Executives (CEDE), the Spanish Chapter of the Club of Rome and the Círculo Financiero. Isidro Fainé is also a member of the Business Council for Competition (CEC). La Caixa FoundationChairman
Heinrich Haasishttps://www.wsbi-esbg.org/People2/Heinrich Haasis.pngHeinrich HaasisFrom 1971 to 1981 Heinrich Haasis was the Mayor of Bisingen (Germany). He also served as a member of the State Parliament of Baden-Württemberg (1976-2001). From September 1991 to January 2001, he was Chairman of the former Württemberg Savings Banks Association (WSGV). Later, in January 2001, he was elected Chairman of the Board of Landesbank Baden-Württemberg (LBBW) and the Landesbausparkassen and Chairman of the Supervisory Board of Sparkassen-Versicherung Holding AG Baden-Württemberg. From 2006 to 2012 he served as the President of the German Savings Bank Association (DSGV). He was elected as the President of ESBG from 2006–2009. In May 2012, he was appointed as President of WSBI.​ He was re-elected in 2015 for a second term of three years.Sparkassen-Finanzgruppe GmbH & Co. KG.President

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