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Gema Moreno Novo has experience in supporting the commercial and risk analysis department at ³Ò²¹°ùá²Ô³Ù¾±²¹. Gema has been involved in creating files, commercial reports, and risk analysis studies for self-employed individuals and small and medium businesses. Additionally, Gema has worked in the financial support department during the Covid-19 pandemic, managing liquidity operations and informing business owners about available financing options. Their background also includes roles in administration, accounting, and auditing for ISO certifications. Gema has a strong educational foundation with a Master's degree in Economics, Business, and Commerce and a Master's degree in Taxation and Fiscal Advisory.