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María del Mar Ruiz Andújar currently serves as CEO of Servicios Financieros Carrefour and holds positions as an Independent Board Member at Airtificial Aerospace & Defense and Consejera at Grupo Lar and PagoNxt Merchant Solutions. Previous experience includes a significant tenure at Banco Santander, where María del Mar Ruiz Andújar was the Global Head of Cards Strategy and Products and an Executive Committee Member, among other roles. Additional roles were held at Redsys Servicios de Procesamiento S.L., Banesto, and The Boston Consulting Group, with early career experiences at JPMorgan Chase and Goldman Sachs. Currently pursuing a DBA in Business Administration at Universidad Pontificia Comillas, María del Mar Ruiz Andújar has a background in Actuarial and Financial Sciences and a Bachelor of Business Administration from the same institution, complemented by executive education at IESE and IE Business School.