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Mr. San Félix is a member of the Board of Directors. He is also the chief operating officer of PagoNxt and also an interim executive officer of PagoNxt Merchant Solutions and PagoNxt Trade Solutions. Mr. San Félix joined Santander Group in 2004 as Strategic Planning Officer at Banco Santander, being responsible for defining the POS Consumer growth strategy. From 2012 to 2013, he was a Chief Executive Officer at Banco Español de Crédito Banesto and, from 2015 to 2018, he was head retail and business banking, and Vice-Chief Executive Officer at Bank Santander UK. Prior to joining us, Mr. San Félix worked at McKinsey & Company in Spain from February 1991 to August 2004, being appointed member in 2000. Mr. San Félix has a degree in Business Administration from Universidad Pontificia Comillas, with an MBA in Finance from the University of California Los Angeles (USA). He has extensive experience in finance, strategy, business development, investment banking and corporate finance in the banking and financial markets.