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Freddy Rivas is a seasoned risk management professional with extensive experience in the financial services industry. Currently serving as Chief Risk Officer at Santander Bank, N.A., Freddy oversees comprehensive risk management for Consumer and Business Banking portfolios. Prior roles include Head of Consumer Lending Risk Management and various senior vice president positions at BBVA in the USA, where responsibilities encompassed credit risk policies and portfolio management for Consumer Lending. Freddy's career also includes significant contributions at Citi, focusing on credit risk strategy for retail portfolios. Educational qualifications include an MBA in Business Administration and Management from UNC Kenan-Flagler Business School and a BS in Production Engineering from Universidad Simón Bolívar.