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César A. Ortiz-Marcano is Chief Risk Officer, leading OFG’s and Oriental’s enterprise risk management, including credit risk, as well as physical and information security.

As CRO, he is responsible for developing and implementing a comprehensive risk management strategy that aligns with business objectives and regulatory requirements. This includes, among other things, identifying, assessing, and monitoring various risks, including credit, market, operational and liquidity risks.

Previously, he was Managing Director of Retail Business Development, a position he was named to in early 2022, where he was in charge of leading efforts to grow Oriental’s small business, consumer, residential mortgage, and auto loan portfolios.

Prior, he served as Director of the Corporate Performance Office, responsible for formalizing medium- and long-term operating leverage targets and ensuring the organization achieves them.

Mr. Ortiz has also served as Vice President of Commercial Credit and Operations, Chief Risk Officer, Controller, and Chief Accounting Officer.

He started his career in financial services at PricewaterhouseCoopers LLP, where he rose to become Senior Manager in the Audit Department.

Mr. Ortiz has an MBA from MIT Sloan School of Management, a J.D. from Inter American University School of Law, and a Bachelor of Business Administration in Accounting from University of Puerto Rico. Mr. Ortiz is also a Certified Public Accountant.