ÂÜÀòÂÒÂ×

Julio Efren Mayorga Velasco currently serves as Subgerente de Riesgo Integral at Banco de Machala since February 2023, focusing on monitoring market and liquidity risk indicators and ensuring compliance with regulatory reporting. Prior to this role, Julio held the position of Oficial Senior Riesgo Mercado y Liquidez at Banco de Guayaquil from December 2011 to February 2023, where responsibilities included managing liquidity ratios and monitoring risk in the fixed income portfolio through Value at Risk calculations. Julio's career began at Banco Bolivariano from June 2009 to December 2011 as an Especialista Comercio Exterior, specializing in Letters of Credit and analyzing guarantees according to established rules. Educational credentials include a Master's degree in Finanzas, Riesgos Bancarios from EUDE Business School and two Bachelor's degrees in Banking, Corporate Finance and International Finance from Universidad de Especialidades Espiritu Santo.