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Ricardo Adolfo Gaviria Ortega serves as Gerente de Transformación Digital at Covinoc S.A. since January 2021, focusing on formulating and implementing strategic plans for digital transformation to enhance the company's business model. Previously, as Subgerente de Estrategia y Transformación Digital at Previsora Seguros, Ricardo led efforts to cultivate a culture of change and innovation. At CredibanCo, the role of Coordinador de Canales Digitales involved facilitating the development of a digital payments ecosystem. Ricardo's extensive experience includes strategic and marketing positions at Banco AV Villas and leadership roles at Interactivo Contact Center. Academic qualifications include an MBA and various specializations in strategic management, digital transformation, and insurance from prestigious institutions.