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Ricardo J. Sanabria Nieves MBA, CISR has extensive experience in the insurance and sales industries. Ricardo J. started their career at MAPFRE, where they worked as an Accounts Payable & Receivable Supervisor and later as a Coordinator Interagency. In these roles, they were responsible for overseeing financial processes and maintaining relationships with regulatory bodies. Ricardo J. then joined Triple-S as a Special Project Manager & Product Manager, where they played a key role in developing new lines of business for the company. Ricardo J. also served as a Compliance Officer, ensuring adherence to company policies and regulatory requirements. Ricardo then moved on to Citi, where they held the position of Direct Business Vice President & Customer Service Manager. Here, their responsibilities included driving sales penetration and cross-selling opportunities. Ricardo's most recent role was at Popular, where they held the positions of Account Executive, Assistant Vice President, and Vice President of Sales & Marketing. In these roles, they managed sales teams, developed insurance sales practices, and coordinated point of sales efforts with insurance companies. Throughout their career, Ricardo has demonstrated strong leadership and expertise in the insurance and sales sectors.

Ricardo J. Sanabria Nieves obtained a Bachelor's degree in Accounting in 1996 from the Universidad de Puerto Rico. Ricardo J. then pursued a Bachelor's degree in Economics from the same university and graduated in 1993. Later, in 2000, Ricardo completed their Master of Business Administration (MBA) with a focus on Management and Marketing at the Inter-American University of Puerto Rico - Metropolitan Campus. Ricardo J. has also obtained various certifications in insurance, including a Life Insurance Agent License from the Office of the Commissioner of Insurance of Puerto Rico in 2019.