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Carlo Montesa Espiritu has a diverse professional background in risk management, strategic projects, and business consulting. With experience in companies like GoTyme Bank, CIBI Information, Inc., SGV & Co., and BDO Unibank, Carlo has focused on areas such as model development, regulatory compliance, and process reviews. With a Bachelor's degree in Management of Financial Institutions and an MBA with a concentration in Business Analytics and FinTech, Carlo is well-equipped to handle various financial and strategic challenges in a leadership role.