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Hector Garro currently serves as the Chief Risk Officer at Banco Davivienda, where responsibilities include enhancing corporate risk culture and managing both financial and non-financial risks across the corporation and its subsidiaries. Hector co-founded the Escuela de Negocios para el Pueblo and previously served on the Board of Directors for Agencia para el Desarrollo de la Zona Sur. Experience at Scotiabank involved overseeing the credit risk management for a substantial retail portfolio and leading various risk assessment initiatives. Earlier roles at Citi and the Instituto Nacional de Seguros included projects in operational risk management and credit risk decision-making. Academic credentials include an MBA in Finance and Economics from INCAE Business School, alongside multiple certifications in risk management and finance.