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Pablo Ruiz López is a Senior ALM Expert in Finance at ING España & Portugal. Previously worked at Banco Sabadell as ALM - Structural Risk Management and Fund Transfer Pricing, EY as a Financial Risk Management Consultant, and The Adecco Group as a Business Consultant. Holds a Bachelor of Science in Economics from Universidad Carlos III de Madrid. Also has experience in tax and finance at Air Europa and international office student ambassador at the University of Bradford. Currently a Young Civic Leader Fellow at Fundación Tatiana. Pablo has a diverse background in financial management, risk assessment, business excellence, and promoting youth employment initiatives.