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Carlos Santiago, CFA has extensive experience in the financial industry, starting as a Compliance Officer at Doral Bank and working their way up to roles such as Chief Credit Officer and SVP, Portfolio Manager at various companies. Carlos has held executive positions at companies like Freddie Mac and Bayport Funding, showcasing their expertise in credit, risk analytics, and technology. Carlos has also worked as a consultant, offering advisory services to various lending, banking, and fintech-related companies. Carlos'smost recent role is as the Head of Commercial Credit at Ulster Savings Bank.

Carlos Santiago, CFA obtained a Bachelor of Arts (B.A.) degree in Mathematics from Cornell University. Additionally, they hold the Chartered Financial Analyst (CFA) certification from the CFA Institute.