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Macario Armando Rosaleshttps://www.wsbi-esbg.org/People2/Macario Armando Rosales.pngMacario Armando RosalesMacario Armando Rosales Rosa has a degree in Public Accounting, Jurisprudence and Social Sciences. He has 35 years of experience in the Fedecrédito System. In 1992, he founded Banco de los Trabajadores Soyapango and worked as General Manager at Caja de Crédito Soyapango for 25 years. From 1999 to 2001, he was the Owner and Chairman of the Board of Directors of FONAVIPO (Fondo Nacional de Vivienda Popular). From 2009 to 2012, he was President of the WSBI Latin America and Caribbean Regional Group. Macario Armando is a member of the FEDECRÉDITO Standards Committee as well as of the Institutional Executive Unit, which is responsible for the management of the programme for the modernization of FEDECRÉDITO System, sponsored by the Inter-American Development Bank (IDB).FedecréditoPresident
Diego F. Prieto Riverahttps://www.wsbi-esbg.org/People2/Diego F Prieto Rivera.jpgDiego F. Prieto RiveraDiego Fernando Prieto Rivera, 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, Enterprise and Developers Business VicePresident. 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
Javier Gonzalez Fragahttps://www.wsbi-esbg.org/People2/Javier Gonzalez Fraga.jpgJavier Gonzalez FragaCurrently chairman of Banco de la Nación Argentina, Javier González Fraga graduated in 1971 with a Bachelor in Economics from UCA (Universidad Católica de Argentina). He has been teaching there between 1973 and 2000, being appointed Full Professor in 1994. González Fraga became member of the Board of Public Companies (Directorio de Empresas Públicas) in 1987, during Raúl Alfonsín presidency. Twice, he has been chairman of the Central Bank of the Republic of Argentina, between 1989 and 1991. Later on, he became director of the Argentine Institute of Capital Markets (1992-1999) and vice-president of the Buenos Aires Stock Exchange (1994-1999). In 1998, he received the “Best SMEs Entrepreneur of the Decade” Konex award, as Founder of the dairy company La Salamandra S.A. He is Economic and Financial advisor, Agriculture-Livestock Producer and Lecturer since 1974. In 2011, Javier González Fraga was candidate to the vice-presidency of Argentina, with UCR.Banco de la Nación Argentina Chairman
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
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
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 was also Chairman of Gas Natural Fenosa from September 2016 until his resignation in February 2018 when he was appointed Honorary Chairman. 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, adviser to Bank of East Asia and the Suez. He is currently the Chairman of the Spanish Confederation of Savings Banks (CECA), vice-President of The European Savings and Retail Banking Group (ESBG) and of the World Savings and Retail Banking 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.Fundación Bancaria La CaixaChairman
Francisco Demichelishttps://www.wsbi-esbg.org/People2/Demichelis.jpgFrancisco DemichelisFrancisco Demichelis, senior specialist in financial markets based in Argentina, holds a Master's degree in Finance from the University of George Washington and a degree in administration and finance from the University of Maryland. He has extensive experience in issues of Financial Inclusion and capital markets supporting the reforms in Argentina, Chile, Paraguay and Uruguay in recent years. Francisco has been responsible for the preparation of the Financial Inclusion Strategies in several countries, including the development of the programs for their implementation. At the same time, he has extensive experience in the prevention of money laundering, contributing to the countries' compliance with international standards. He has been an IDB official for more than 15 years, representing this institution in Argentina and Paraguay.Banco Interamericano de DesarrolloSenior Financial Markets Specialist
Daniel Funes de Riojahttps://www.wsbi-esbg.org/People2/Daniel Funes de Rioja.jpgDaniel Funes de RiojaDr. Funes de Rioja, is Full Academic at the National Academy of Law and Social Sciences of Buenos Aires and Vice President of the National Academy of Business Sciences. He is Vice-President of the Argentine Industrial Employers Chamber (UIA), and President of the Food Industry Chamber (COPAL). With several years of experience in labor relationships and policy building, he is President of the Business Advisory Committee on Labor relationships in the Organization of American States (CEATAL / OAS), he was President of the International Organization of Employers.B20Chair
Rodolfo Tarraubellahttps://www.wsbi-esbg.org/People2/R.Tarraubella.JPGRodolfo TarraubellaStudies • Graduate in Banking Techniques (Finance) Universidad Argentina de la Empresa • Postgraduate in Climate Change and Kyoto Protocol (National University of the Center of Peru, the Green Fund and the Latin American Institute of Sciences) • Scholarship by the OAS • Cum Laude for the Thesis "The avoidance of deforestation as a tool that generates incomes for rural areas of extreme poverty" • Postgraduate in Treatment of Socio-environmental Conflicts Professional and Institutional Action • Executive Director of the United Nations Agency, CIFAL Argentina, in charge of the Secretariat of Sustainability and Climate Finance. • President of Fundación EcoConciencia • CEO of the consultancy "R T & Asoc. - Study of High Finance" • Founder of the "Initiative for the Development of Green Bonds and Climate Finance in Argentina" • Creator of the "Community Transparency System", a social management tool that manages emotions and interests, and empowers communities by training them in relational skills, to facilitate dialogue and negotiation, with companies and governments, and thereby mitigate the socio-environmental conflict • Founder of the Innovation and Excellence Center for the Integration of the SDGs into the Corporate Strategy. Notes and Conferences • Writer of numerous articles and notes in the main newspapers, magazines and media of the country (Clarín, Nación, Perfil, Scope, etc.) • International speaker. • Dictates classes in postgraduate courses at National Universities (UCES, UADE, San Martin, La Matanza, UBA, etc.), on climate finance and on the treatment of socio-environmental conflicts.United Nations Agency, CIFAL ArgentinaExecutive Director
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
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
Maria Paz Uribe Estradahttps://www.wsbi-esbg.org/People2/Maria Paz Uribe Estrada.jpgMaria Paz Uribe EstradaShe works as the Head of the International Banking Division at FINDETER, where she negotiates and executes loans from development and international commercial banks for a total amount of approx. USD 1.000 million. Ms Uribe is in charge of the consecution and successful impletion of international non-refundable cooperation resources; with a current portfolio of USD 50 million. She has prior experience in the Inter-American Development Bank and private sector, where she managed a portfolio of private equity investments. Ms Uribe holds a Master of Finance from London Business School as well as an undergraduate degree in Business Administration and a degree in Law both from Universidad de los Andes, Colombia.FINDETERHead of International Banking
Silvia Pavonihttps://www.wsbi-esbg.org/People2/silvia_pavoni_2017.jpgSilvia PavoniSilvia Pavoni is the economics editor of The Banker, a monthly publication part of the Financial Times group, for which she has written on international trade agreements, sovereign debt crises, energy and infrastructure finance and financial technology. She oversees the magazine’s Latin America coverage, its research on international financial centres and video content for thebanker.com. Since joining the Financial Times in 2005, she has been on assignment to over two dozen countries, reporting with both written and filmed pieces. Silvia regularly interviews government officials, policy makers and finance professionals at the highest level and has chaired numerous conferences and panel discussions on finance, trade and economic development. Previously, Silvia was in charge of Centaur Media’s specialist database on public private partnerships, which was tasked with providing data to the UK Government. She has also conducted research for organisations such as the Italian Chamber of Commerce and Industry for the UK and the Italian Trade Commission. Silvia is Italian mother-tongue and is fluent in English and Spanish. She holds a BSc in Economics and Finance from Ca' Foscari University of Venice and is an adviser for not-for-profit organisation WILL, Women in Leadership in Latin America. The Banker, Financial TimesEconomics editor
Mauricio Lorenzettihttps://www.wsbi-esbg.org/People2/Mauricio Lorenzetti.jpgMauricio Lorenzetti33 years of experience transforming organizations with newest technologies, revolutionary processes, business capabilities, and exponential team productivity. Extensive experience in design, development, and implementation of global customer-centric solutions with multicultural team leadership. Project portfolio is composed by over 140 strategic initiatives at IBM, Citibank, FedEx, Shinsei Bank, Singapore Airlines, Prodigy Network, and others. Since 2014 being focused on integrating fintechs and financial institutions, with 50+ digital solutions implemented around the world.Above and BeyondCo-founder & CTO
Gema Sacristánhttps://www.wsbi-esbg.org/People2/Foto with Flags.JPGGema SacristánGema Sacristán is the Chief, Investment Operations Department and part of the senior management team of IDB Invest, the private sector arm of the IDB Group. She is responsible for all the IDB-Invest’s business areas that includes Infrastructure and Energy, Corporates, Financial Institutions, Financial Products and Services, Advisory Services and Blended Finance and Portfolio Management. She leads a team of 200 professionals who invest three billion dollars a year and supervise a portfolio of 12 billion in assets under management. She joined the IDB Group in 2008. From 2012 to 2015, she managed the Financial Markets Division of the Structured and Corporate Finance Department, responsible for capital markets development, trade finance and financial intermediaries, which include primarily banks and investment funds. Previously, Sacristán was a Lead Investment Officer where she led the Division’s investments in structured trade finance and social impact funds. She also developed and managed the program “beyondBanking: banking on global sustainability” that aimed at promoting sustainable environmental, social and corporate governance principles at the financial sector. Sacristán is Spanish and has almost 25 years of experience in the international finance industry with specific expertise in emerging markets, Latin America and the Caribbean. She has received multiple industry awards and recognitions and participates actively in conferences and seminars. Prior to joining the IDB Group, she worked for three years at BBVA New York as Director of the Americas Export and Agency Finance Business, and eight years at Banco Santander in Madrid and New York as Vice President and Product Manager of the Structured Trade and Corporate Finance Department. She started her career in 1994 at Mitsubishi London (UK) where she spent two years in the Business Development Department. She holds a Bachelor’s degree in Economics and Business Administration from the Madrid’s Autónoma University, Master’s degrees in Sustainability from Cambridge University (UK) and International Business from Complutense University (Madrid), and an Advanced Diploma in International Finance from New York University. Sacristán serves in the Board of Directors of the Finance Alliance for Sustainable Trade (FAST) and the Board of Advisors of the Global Banking Alliance for Women (GBA). She is also a member of the World Trade Organization (WTO) Expert Group on Trade Financing and the Stakeholder Council of the Global Reporting Initiative (GRI). In 2014, she was recognized as one of the 50 Top Businesswomen in Latin America by the Latin Trade Magazine. In 2013, she was named Lead Fellow and in 2011 First Mover Aspen Fellow (The Aspen Institute).IDB InvestChief Investment Officer
Pablo Andres Neumeyerhttps://www.wsbi-esbg.org/People2/web_andy_neumeyer jpg (foto de web del bcra).jpgPablo Andres Neumeyer Pablo Andrés Neumeyer is the chief economist of the central bank of Argentina since February 1st, 2016. He is on leave from his position as professor of economics at Universidad Torcuato Di Tella. His research is in the fields of macroeconomics, international finance and development. He has published theoretical and applied papers in several journals including American Economic Review, Econometrica and the Journal of Monetary Economics. He is a fellow of the Econometric Society and a Guggenheim Fellow. He obtained his PhD in economics from Columbia University in 1992 and studied economics as an undergraduate at Universidad de Buenos Aires. He worked as a professor at the University of Southern California and has taught courses (mainly in international macroeconomics and finance) at Stanford University, Universidad de Montevideo, Universidad de los Andes, University of Chicago, Universidad Pompeu Fabra, New York University, and Universidad Carlos III. He received numerous grants and awards from the Tinker Foundation, Agencia Nacional de Promoción Científica y Tecnológica, Commission of the European Communities, el Institute for the Study of World Politics and Columbia University. He worked as a consultant for the Inter American Development Bank, the World Bank and the Federal Reserve and delivered seminars, public lectures and private talks at numerous universities, central banks and financial institutions throughout the Americas, Europe and Japan. He was the head of LACEA's network on International Finance, chair of the Latin American Chapter of the Econometric Society and served in the Consejo de Administración Universidad Torcuato Di Tella and as a member of the Board of Directors of the Global Development Network. Founder and editor of the blog Foco Económico. Member of LACEA, American Economics Association, Econometric Society.Ministry of Treasury ArgentinaDeputy General Manager
Lucas Llachhttps://www.wsbi-esbg.org/People2/Lucas Llach.jpgLucas LlachLucas Llach holds a PhD in History from Harvard University and a bachelor's degree in Economics from Universidad Torcuato Di Tella (UTDT). He is an economist and historian who has devoted much of his career to academic life. His main area of research is economic history of Argentina, the subject of his thesis. He is the author of several books and academic articles. He is a university professor and he was also Director of the Department of History and of the Master's Degree in Public Policy at the Universidad Torcuato Di Tella (UTDT) in Buenos Aires. Banco Central de la República ArgentinaVice President
Joan Rosás Xicotahttps://www.wsbi-esbg.org/People2/joan caixa.jpgJoan Rosás XicotaJoan Rosas is the Head of International Financial Institutions of CaixaBank. He is also responsible for Representative Offices of CaixaBank abroad. He joined “la Caixa” in 1993 and has participated in its internationalization process since the very beginning. From 1989 to 1993 he was the Director of Planning and Control and subsequently of Emerging Markets in BBV New York. In 2003 and 2004 he was a member of an Expert Panel, appointed by the European Commission to assess the results of the Action Plan for the Integration of Financial Services. Mr. Rosás is a member of the Spanish Chapter of the Club of Rome and is also Secretary General of the Barcelona International Office of Club of Rome. He is Vice Chairman of the Spain-India Foundation. He is also a member of the Board of Trustees of the Spain-US Council, Spain-China Foundation and Latin American Entrepreneurial Forum. In addition, he has been a frequent speaker at seminars on international banking and economic topics.CaixabankInternational Relations 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. Banco del Ahorro Nacional y Servicios Financieros (BANSEFI)Deputy General Director for Financial Inclusion
Delfina Lopez Freijidohttps://www.wsbi-esbg.org/People2/Delfina Lopez Freijido.jpgDelfina Lopez FreijidoDelfina has ten years of experience in developing, mobilizing and implementing public policy for sustainable economic and urban development, locally and internationally. For the past five years she has specialized on sustainable investing as a policy maker, entrepreneur and consultant. Until July 2017, she acted as Manager for Investors Assistance at the Argentine Investment and International Trade Agency. Prior to that she worked in Strategic Planning for the Government of the City of Buenos Aires, from where she promoted sustainable finance initiatives, including the first social impact bond in the country. As project manager she has worked in the fields of investment, housing, energy, waste management, and the fashion industry. Delfina holds a Bachelor's Degree in International Relations from Di Tella University, and a Master's double degree in Public Policy from the Institut d'Etudes Politiques de Paris and Columbia University. Ministry of Tresury, ArgentinaDirector of Sustainable Finance, G20 Unit,
Gabriel R. Bizamahttps://www.wsbi-esbg.org/People2/Gabriel Bizama.jpgGabriel R. BizamaGabriel is a regulatory lawyer with 13 years of working experience in the financial services industry. Currently, Gabriel leads the work on the financial inclusion agenda under Argentina’s G20 presidency at the Ministry of Treasury. Gabriel is the chair of the Global Partnership for Financial Inclusion (GPFI) and is responsible for the development of international policy tools and coordination to advance financial inclusion. Prior to this role, Gabriel provided advice on regulatory matters for Europe, Middle East and Africa at Chubb based in London (United Kingdom). He also worked at ACCION International and Boston University Centre for Finance, Law and Policy in Boston (United States). Gabriel holds a Master in Banking and Financial law at Boston University School of Law. Ministry of Treasury, ArgentinaDirector of Financial Inclusion, G20 Unit
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

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