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Carlos Freire Lorenzo, CFA, has extensive experience in product development and management within the finance and investment sectors. Currently serving as Executive Director of EMEA Product Development at Morgan Stanley, Carlos has previously held key positions including Product Director - Global at Ninety One, Proposition Manager - UK at Architas, and Commercial Finance Consultant at AXA Wealth. Carlos began their career as a Marketing Executive for MiX Telematics in the UK and Europe. Academic credentials include an MSc in Marketing and Research Methods from Universidad de Sevilla and a Bachelor of Engineering in Industrial Design & Product Development from Universidade da Coruña.