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David Maldonado Delgado, EMBA, has extensive experience in risk management, currently serving as Deputy Risk Director at Banco Santander since March 2015, where responsibilities include managing credit risk, coordinating audits, and ensuring high-quality risk reporting. Previously, David held the position of Senior Provisions Team Risk Analyst, conducting risk assessments and developing policies related to financial provisions. With prior experience as a Senior Consultant at everis, David focused on credit risk model development and training in risk management. Additionally, David serves as a financial risk course trainer at Analistas Financieros Internacionales. Academic qualifications include an Executive MBA in Finance from the Cámara de Comercio de Madrid and a Master's in Banking and Finance from Afi Escuela.