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Ricardo Villena has extensive experience in the insurance sector, holding key positions over three decades. Currently serving as Director Sucursal at Plus Ultra Seguros since January 2014 and as Responsable Comercial since August 2012, Ricardo has demonstrated strong leadership and commercial acumen. Prior roles include Responsable de Cuentas at Groupama Seguros from October 2000 to August 2012, Responsable Comercial at Gan Seguros from December 1997 to October 2000, and similar commercial management positions at Grupo AM Seguros and Conasesa Correduria de Seguros. This broad experience highlights Ricardo's expertise in commercial operations and strategic management within the insurance industry.