ADMINISTRATION COUNCIL


Name and surname
Position
Nature
First date apointment
Report / Proposal of Appointments, Remuneration Committee and Sustainability
D. Gonzalo Gortázar Rotaeche
Chairman
Proprietary
12/01/2023

D. Gonzalo Gortázar Rotaeche

Chairman

Gonzalo Gortázar nacido en Madrid, es Presidente de CaixaBank Payments & Consumer desde abril de 2023.

Licenciado en Derecho y en Ciencias Empresariales por la Universidad Pontificia Comillas (ICADE) y Máster en Business Administration with distinction por INSEAD.

Actualmente es también Consejero Delegado de CaixaBank y Consejero de Banco BPI.

Fue Director General de Finanzas de CaixaBank hasta su nombramiento como Consejero Delegado en junio de 2014. Previamente fue Consejero Director General de Criteria CaixaCorp entre 2009 y Junio de 2011. Desde 1993 a 2009 trabajó en Morgan Stanley en Londres y en Madrid, donde ocupó diversos cargos en la división de Banca de Inversión liderando el Grupo de Instituciones Financieras en Europa hasta mediados del año 2009, momento en el que se incorporó a Criteria. Con anterioridad desempeñó diversas responsabilidades en Bank of America en Banca Corporativa y de Inversión.

Ha sido Presidente de VidaCaixa, Vicepresidente Primero de Repsol y Consejero de Grupo Financiero Inbursa, Erste Bank, SegurCaixa Adeslas, Abertis, Port Aventura y Saba.

Última actualización: Abril 2023

D. Jordi Nicolau Aymar
CEO
Executive
12/01/2023

D. Jordi Nicolau Aymar

CEO

Jordi Nicolau nacido en Gerona, es consejero delegado de CaixaBank Payments & Consumer desde abril de 2023.

Licenciado en Económicas y Empresariales por la Universidad de Barcelona y Máster en Business Administration (MBA) por la Universidad Pompeu Fabra. Asimismo, ha realizado el Programa de Desarrollo Directivo (PDD) por IESE, el Posgrado “Liderazgo y Compromiso” en ESADE, tiene el diploma en Estudios avanzados (DEA). Tercer Grado y el “Leadership Excellence trough Awareness and Practice Porgramme” (LEAP) en INSEAD.

Actualmente es miembro del Comité de Dirección y Director de Payments & Consumer en CaixaBank.

Se incorporó a CaixaBank en 1995 en la red comercial y fue Director adjunto y Director ejecutivo de la territorial de Catalunya, Director de la territorial de Barcelona y también Director Retail-Costumer Experience & Día a Día.

Última actualización: Abril 2023

D.ª Rita Almela Conesa
Director
Independent
21/11/2019

D.ª Rita Almela Conesa

Director

Rita Almela, born in Barcelona, has been a director of CaixaBank Payments & Consumer since November 2019.​

She holds a degree in Economics from the University of Barcelona (EUS Programme) and an Executive MBA from the Business School of the  University of Navarra (IESE).​

She is currently a founding partner of 101 Venture Builder, S.L., focused on creating and investing in technology companies in different  sectors, such as health, environment, communication and training. She is also an investor and advisor of different digital startups, and  partner of 5G Ventures and Data Ventures. She is a member of the board of directors of the AED, the Spanish Association of Executives and  president of its council of Catalonia.​

Previously, she was a tax advisor at the Garrigues law firm to leading companies, founder and board member of several technology startups  (Wolo, Lets Coder, AlmaShopping, CPM Telecom, for example). She was also an advisor to investees of 101 StartUps and was linked to the  CaixaBank group through "Caixa Capital Risc" from 2008 to 2011.​

Last update: June 2022

D. Matthias Bulach
Director
Proprietary
04/10/2018

D. Matthias Bulach

Director

Matthias Bulach, born in Schramberg (Germany), has been a director of CaixaBank Payments & Consumer since October 2018.​

He holds a Degree in Economics from the University of Sankt Gallen (Switzerland), CEMS Master's in Management (Community of European  Management Schools) and a Master's in Business Administration from the Business School of the University of Navarra (IESE).​

He is currently Director of Accounting, Management Control and Capital at CaixaBank, a member of the Management Committee of  CaixaBank and a director of BuildingCenter, S.A.​

Previously, he was a director of CaixaBank Consumer Finance, E.F.C., S.A. and member of its Appointments and Remuneration Committee,  a director of CaixaBank Asset Management, S.G.I.I.C., S.A. and chairman of its Audit and Control Committee, a member of the Supervisory  Committee of Erste Group Bank AG and member of its Audit Committee, as well as a director of Creapolis, Parc de la Creativitat, S.A. He was  also Corporate Manager of Planning and Capital, Department Manager of Financial Planning at CaixaBank and manager of the Economic  Analysis Office at "la Caixa" Savings and Pensions. In addition, he was a senior associate specialising in the financial sector (banking,  insurance) at McKinsey & Company.​​

Last updated: June 2022

D. José Manuel Gabeiras Vázquez
Director
Independent
27/09/2019

D. José Manuel Gabeiras Vázquez

Director

José Manuel Gabeiras, born in Ferrol (La Coruña), has been a director of CaixaBank Payments & Consumer since September 2019.​

He holds a degree in Economics and Mathematical Statistics from the Complutense University of Madrid (UCM) and a degree in Civil  Engineering from the Polytechnic University of Madrid (UPM). Civil Servant, Qualified and Chartered Statistician.​​

He was previously a member of the Board of Directors of CaixaBank Payments, EFC EP, S.A., member and Chairman of the Joint Audit  Committee and member of the Appointments and Remuneration Committee. He was also a director of NovaGalicia Banco, and sat on its  Executive Committee and on the Appointments and Remuneration Committee. He was also chairman of Servired and chairman of Sermepa,  a director of Visa Europe, a member of the Executive Committee and a member of the Audit, Risk and Finance Committee. He has also held  management and chairmanship positions in well-known entities such as SEMP, Visa International and was CEO of the financial group Credit Agricole.​

Last updated: June 2022

D. Alfredo García-Valdés Yrizar
Director
Independent
12/05/2016(2)

D. Alfredo García-Valdés Yrizar

Director

Alfredo García-Valdés, born in Madrid, has been a director of CaixaBank Payments & Consumer since May 2016.​

He holds a Degree in Economics and Business Administration from the Complutense University of Madrid (UCM), a Master's in Business  Administration from the Business School of the University of Navarra (IESE) and is an Insurance Mediator.​

He is currently a director of Easy Payment Gateway, a company in which Comercia Global Payments holds a stake.​

Previously, he was director, chairman and member of the Audit and Risk Committee and member of the Appointments and Remuneration  Committee of CaixaBank Consumer Finance, E.F.C., S.A. and director, chairman and member of the Appointments and Remuneration  Committee and member of the Joint Audit Committee of CaixaBank Payments, E.F.C., E.P., S.A. He was also Chairman and Chief Executive  Officer of American Express Spain and Deputy Chairman of Commercial Strategy, Europe Telephone Channel, Director and Chairman of the  Risk and Outsourcing Committees and General Manager of the Spanish branch division of American Express Payments Services Limited.​

Last updated: June 2022

D.ª Laura González-Estéfani Ramiro
Director
Independent
21/11/2019

D.ª Laura González-Estéfani Ramiro

Director

Laura González-Estéfani, born in Madrid, has been a director of CaixaBank Payments & Consumer since November 2019.​​

She holds a Degree in Audiovisual Communication and Information Sciences from the European University of Madrid and has participated in  the Management Development Programme at the Vlerick Business School (Ghent, Belgium).​

She is currently the founder, CEO and General Partner of TheVentureCity, a global technology investment fund created by founders and  executives of international technology companies. With a portfolio of over 120 companies, she focuses on infrastructure for  Fintech/Payments, HealthTech/Biotech, energy and e-commerce with offices in Madrid, Miami, San Francisco and Sao Paulo.​

Honoree of the Aspen Institute's 2022 Class of Henry Crown Fellows, supports global entrepreneurship from different platforms as an advisor  to the European Innovation Council of the European Commission, Babson College WinLab, Stanford LBAN program, mentor and panelist for  Endeavor. In addition, she has been an angel investor since 2000 with a personal portfolio of more than 40 companies.​

She previously worked for the Siemens Group, eBay en España, opened Facebook in Spain and in several countries in Europe in 2008, and  moved to Silicon Valley as head of LATAM in the areas of Growth, Mobile & Partnerships.​

Last updated: June 2022

D. David Griera Perramon
Director
Executive
11/03/2021

D. David Griera Perramon

Director

David Griera, born in Barcelona, has been a director of CaixaBank Payments & Consumer since March 2021.​

Graduate in Business Studies from the University of Vic in 1994, he holds a Master's in Business Administration from the University of  Barcelona in 1998, and is also a Senior Management graduate from ESADE in 2001. In addition, he has taken several postgraduate courses  related to the financial sector, a General Management Program (PDG) at IESE in 2006, a Management Development Programme (PMD) at  ESADE in 2014 and the International Center for Leadership Development Programme in 2018.​

He is currently Commercial General Manager of CaixaBank Payments & Consumer, Director and Non-Executive Chairman of the subsidiary  Wivai, Director of MoneyToPay and Director of Telefónica Consumer Finance.​

He has previously held various positions in banking and the financial sector, mainly in the areas of sales and marketing. Within the CaixaBank  group, he held the role of commercial manager of the regional general division of Catalonia from 2014 until February 2020. At  CatalunyaCaixa, he was Commercial Manager, Director of Private Banking, Director of Commercial, Corporate and Private Banking and  Director of Marketing, Electronic Banking and Innovation. At Caixa Manresa, he held various positions in the commercial network, Retail  banking manager, Commercial Director, Commercial and Marketing manager and Deputy General Manager of the Commercial, Marketing  and Human Resources areas.​

Last updated: June 2022

D.ª Sarah Marie Harmon
Director
Independent
11/03/2021

D.ª Sarah Marie Harmon

Director

Sarah Harmon, born in Florida (USA), has been a director of CaixaBank Payments & Consumer since March 2021. ​

She holds a Bachelor's degree in Journalism from the University of Kansas, Lawrence (USA) and a Master's degree in Business Administration from the University of North Carolina, Chapel Hill (USA). ​

She is currently Global CEO of Singular People, partner and deal leader of Go Beyond Investing, EMEA, a fintech that transforms angel investing into a new asset class that is scalable to small and large investors, member of the advisory board of Melboss Music Inc. a private network for music professionals, and trustee of Foundation 29, a non-profit entity specialising in artificial intelligence applied to health. ​

Previously, she wash general manager of Habitíssimo, member of the Board of Directors of Singular, member of the Board of Directors of Renta 4 Banco, S.A. and chairwoman of its Appointments and Remuneration Committee and member of its Audit and Control Committee, country manager at LinkedIn for the Iberia region with the objective of driving commercial actions, in addition to leading the women's initiative at LinkedIn from 2017 to 2018, and director of Business Development at Microsoft. ​​

Last updated: November 2022

D.ª María Victoria Hernández Valcárcel
Director
Independent
21/11/2019

D.ª María Victoria Hernández Valcárcel

Director

María Victoria Hernández Valcárcel, born in Barcelona, has been a director of CaixaBank Payments & Consumer since November 2019.​

She holds a degree in Computer Engineering from the Polytechnic University of Cataonia (UPC), an EMBA from INSEAD (France) and  a diploma in Digital Marketing from Columbia Business School.​

​She currently represents the interests of the European Innovation Council investment fund as a non-executive director in the Belgian  telecommunications company, Tessares. She is also a non-executive director of The EQ Project International, S.L. (AI TeamEQ), an entity that  offers solutions in the field of human resources through artificial intelligence, and member of the advisory board of Cashway, a financial  technology company. She is also a member of the decision-making panel for aearding grants and financial investment in the European  Union's Horizon Europe programme (budget of €10.5 billion)
As part of her social contribution, she is the European President of Global Telecom Women's Network (GTWN.org), the international forum  for women executives active in high technology, to contribute to the evolution of the information society in a positive way.​

​Previously, she was Chairwoman and CEO of Orange Spain, Director of Alliances (M&A) Europe for British Telecom, Director of European  Operations and CEO in France for GTS; Chairwoman of Proximus Spain, CEO in France and Deputy Chair of International Operations.​

​Last updated: June 2022​

D.ª Laura Juanes Micas
Director
Independent
15/04/2021

D.ª Laura Juanes Micas

Director

Laura Juanes, born in Barcelona, has been a director of CaixaBank Payments & Consumer since April 2021.​

She holds a law degree from the Universidad Autónoma de Madrid and obtained her Master's in US and Transnational Law from the  University of Miami School of Law in 2021. Certified Privacy and Data Protection Professional (CIPP/US and CIPP/EU).​

She is currently the Vice-President and Privacy Officer of Restaurant Brands International, Inc. which owns four of the world's leading quick  service restaurant brands. She also participates as a mentor and advisor in different entities: The Venture City, LLC, where she advises  startups and entrepreneurs; Enterprise 4.0 - BGV, where she is involved in privacy and artificial intelligence; and Women in Tech Miami  Council, of which she is co-founder, aimed at connecting and empowering women executives in technology.​

Previously, she was Director of Privacy and Compliance at Constella Intelligence, Inc., a global leader in the field of digital risk protection,  global director of Privacy at Facebook and director of International Privacy and Human Rights at Yahoo! where she also held other roles, such  as Director of Legal Advisory at Yahoo! Spain.​

Last updated: June 2022

D. Jaume Masana Ribalta
Director
Proprietary
13/01/2023

D. Jaume Masana Ribalta

Director

Jaume Masana nacido en Barcelona, es consejero de CaixaBank Payments & Consumer desde abril de 2023.

Graduado en Ciencias Empresariales, Máster en Dirección y Administración de Empresas por ESADE y Máster CEMS, Community of European Management Schools por la Università Commerciale Luigi Bocconi (Milán, Italia). Asimismo, cursó el Programa Internacional de Management de la New York University – Stern School of Business.

Actualmente es también Director de Negocio en CaixaBank, siendo responsable de toda la red comercial de oficinas, de banca de particulares, banca de empresas y banca privada.

Se incorporó a CaixaBank en 2013 y fue Director Territorial Catalunya de 2013 a 2022. Con anterioridad, desarrolló su carrera en Catalunya Caixa (2010-2013), Caixa Catalunya (2008-2010) y Caixa Manresa (1996-2008). También ha trabajado en private equity en Granville Holdings PLC (actualmente Baird Capital) entre Barcelona y Londres y, en el área de tesorería de JP Morgan en Milán (Italia).

Última actualización: Abril 2023

D. Jesús Moreira Goicoechea
Director
Proprietary
12/05/2014(1)

D. Jesús Moreira Goicoechea

Director

Jesús Moreira, born in Barcelona, has been a director of CaixaBank Payments & Consumer since May 2014.​

He holds a degree in Biological Sciences, specialising in Biochemistry, from the Autonomous University of Barcelona, a Master's degree in  Financial Economic Management from ESADE and has completed the Executive Development programme at the Business School of the  University of Navarra (IESE).​

He is currently a director, the Chief Retail Lending Officer at CaixaBank, a director at CaixaBank Operational Services and a director at  Telefónica Consumer Finance.​

Previously, he was a director of CaixaBank Consumer Finance, E.F.C., S.A., and member of its Audit and Risk Committee, director and deputy-  chairman of CaixaBank Titulización, S.G.F.T., S.A., director of Caixa Capital Biomed, S.C.R., S.A., director of Tenedora de Vehículos S.A., and  director of Edicions 62. He was also corporate manager of Credit and Operational Risk at CaixaBank, manager of the Risk Policies and  Infrastructure department at CaixaBank, as well as general manager of CaixaRenting and director of Consulting and Organization at  CaixaHolding.​

Last updated: June 2022

D. Juan Morlá Tomás
Director
Executive
27/09/2019

D. Juan Morlá Tomás

Director

Juan Morlá, born in Mallorca, has been a director of CaixaBank Payments & Consumer since September 2019.​

He holds a Master's degree in e-Business from the Polytechnic University of Catalonia (UPC) and has completed the General Management  Programme (PDG) at the Business School of the University of Navarra (IESE).​

He is currently a director and general manager of Comercia Global Payments, E.P., S.L., director of CaixaBank Electronic Money, EDE, S.L,  (Money To Pay), director of Payment Innovation Hub, S.A. and of Societat Catalana per a la Mobilitat, S.A. (Soc Mobilitat). He also sits on the  European Retail Payments Board on behalf of the ESBG and is a director of Bizum, S.L.​

Previously, he was Chief Executive Officer of CaixaBank Payments, E.F.C. E.P., S.A., Director of Card Business, Director of Payment Method  Development and held various roles in the Electronic Banking department of CaixaBank. He was also a director of Servired, Visa Europe,  Sermepa and Diners España.​

Last updated: June 2022

D.ª Susana Voces Gómez
Director
Independent
21/11/2019

D.ª Susana Voces Gómez

Director

Susana Voces, born in Madrid, has been a director of CaixaBank Payments & Consumer since November 2019.​

She holds a degree in Industrial Engineering from the Universidad Pontificia de Comillas (ICAI), specialising in Mechanical Engineering,  a degree in Marketing from the Universidad Pontificia de Comillas (ICADE), specialising in marketing research and a postgraduate degree in  management studies, specialising in IT, from the Harvard Extension School (Cambridge, Massachusetts, United States).​

She is currently the CEO of Eventim (entradas.com) in Spain and advisor and consultant for different companies.​

Previously, she was deputy chairperson of the restaurant area at Deliveroo in the UK, responsible for its strategy and commercial operations  at a global level. She was also general manager at eBay Europe for Italy and Spain and country manager at eBay Spain. He has also held  various senior positions at PayPal and Ericsson.​

Last updated: June 2022

D.ª Mireia Agelet Cusiné
Non-Director Deputy Secretary
-
27/09/2019

D.ª Mireia Agelet Cusiné

Non-Director Deputy Secretary

Mireia Agelet nacida en Barcelona, es vicesecretaria no consejera de CaixaBank Payments & Consumer desde septiembre de 2019.​​

Licenciada en Derecho por la Universidad de Barcelona, Máster en Mercados Financieros por la UB y Máster en Dirección de Recursos Humanos por EAE Business School.​

Con anterioridad, fue directora de Asesoría Societaria en Banco de Sabadell, directora de Asesoría Jurídica de Banca de Inversión en Mora Banc Grup y abogado senior de las área de tesorería, mercado de capitales, valores, banca privada, financiero, mercantil y societario en Catalunya Banc.​

​Última actualización: Junio 2022

(1) Re-elected on May 14, 2020
(2) Re-elected on May 12, 2022

For information on the Administration Committee and its functions, see the section Board Regulations.


BOARD COMMITTEES

Name and surname
Position
Nature
First date apointment
D. José Manuel Gabeiras Vázquez
Chairman
Independent
28/11/2019(1)

D. José Manuel Gabeiras Vázquez

Chairman

José Manuel Gabeiras nacido en Ferrol (La Coruña), es consejero de CaixaBank Payments & Consumer desde septiembre de 2019.​

Licenciado en Economía y Estadística Matemática por la Universidad Complutense de Madrid (UCM) e ingeniero de Caminos, Canales y Puertos por la Universidad Politécnica de Madrid (UPM). Funcionario del Estado, estadístico Diplomado y Facultativo.​

Con anterioridad, fue miembro del Consejo de Administración de CaixaBank Payments, EFC EP, S.A., miembro y presidente de la Comisión Mixta de Auditoría y miembro del Comité de Nombramientos y Retribuciones. Asimismo, fue consejero de NovaGalicia Banco, miembro de su Comisión Ejecutiva y de la Comisión de Nombramientos y Remuneraciones. Además, fue presidente de Servired y presidente de Sermepa, consejero de Visa Europa, miembro del Comité Ejecutivo y miembro de la Comisión de Auditoria, Riesgos y Finanzas. También ha ejercido cargos de dirección y presidencia en entidades reconocidas como SEMP, Visa International y fue consejero delegado en el grupo financiero Credit Agricole.  ​

Última actualización: Junio 2022​

D. Matthias Bulach
Member
Proprietary
28/11/2019

D. Matthias Bulach

Member

Matthias Bulach nacido en Schramberg (Alemania), es consejero de CaixaBank Payments & Consumer desde octubre de 2018.​

Licenciado en Económicas por la Universidad de Sankt Gallen (Suiza), CEMS Management Master (Community of European Management Schools) y Máster en Business Administration por la Escuela de Negocios de la Universidad de Navarra (IESE). ​

En la actualidad es director de Contabilidad, Control de Gestión y Capital en CaixaBank, miembro del Comité de Dirección de CaixaBank y consejero de BuildingCenter, S.A. Asimismo, es miembro del Comité de Vigilancia de Erste Group Bank AG y miembro de su Comité de Auditoría. ​

Con anterioridad, fue consejero de CaixaBank Consumer Finance, E.F.C., S.A. y miembro de su Comité de Nombramientos y Retribuciones, consejero de CaixaBank Asset Management, S.G.I.I.C., S.A. y presidente de su Comité de Auditoría y Control, así como consejero de Creapolis, Parc de la Creativitat, S.A. Asimismo, fue director corporativo de Planificación y Capital, director de departamento de Planificación Financiera de CaixaBank y director de la Oficina de Análisis Económica en "la Caixa" de Ahorros y Pensiones. Además, fue senior associate especializado en el sector financiero (bancario, seguros) en McKinsey & Company. ​

Última actualización: Octubre 2021​

D. Alfredo García-Valdés Yrizar
Member
Independent
25/05/2016(2)

D. Alfredo García-Valdés Yrizar

Member

​Alfredo García-Valdés nacido en Madrid, es consejero de CaixaBank Payments & Consumer desde mayo de 2016.​

Licenciado en Ciencias Económicas y Empresariales por la Universidad Complutense de Madrid (UCM), Máster en Business Administration por la Escuela de Negocios de la Universidad de Navarra (IESE) y Mediador de Seguros.​

En la actualidad es consejero de Easy Payment Gateway, compañía participada por Comercia Global Payments.​

Con anterioridad, fue consejero, presidente y miembro del Comité de Auditoría y Riesgos y miembro del Comité de Nombramientos y Retribuciones de CaixaBank Consumer Finance, E.F.C., S.A. y consejero, presidente y miembro del Comité de Nombramientos y Retribuciones y miembro de la Comisión Mixta de Auditoría de CaixaBank Payments, E.F.C., E.P., S.A. Asimismo, fue presidente y consejero delegado en American Express España y vicepresidente en Estrategia Comercial, Canal Telefónico Europa, consejero y presidente de los Comités de Riesgos y Outsourcing y director general de la división de establecimientos en España de American Express Payments Services Limited.​

Última actualización: Octubre 2021​

D.ª Mireia Agelet Cusiné
Non-member vice secretary
-
27/09/2019

D.ª Mireia Agelet Cusiné

Non-member vice secretary

Susana Voces, born in Madrid, has been a director of CaixaBank Payments & Consumer since November 2019.​

She holds a degree in Industrial Engineering from the Universidad Pontificia de Comillas (ICAI), specialising in Mechanical Engineering,  a degree in Marketing from the Universidad Pontificia de Comillas (ICADE), specialising in marketing research and a postgraduate degree in  management studies, specialising in IT, from the Harvard Extension School (Cambridge, Massachusetts, United States).​

She is currently the CEO of Eventim (entradas.com) in Spain and advisor and consultant for different companies.​

Previously, she was deputy chairperson of the restaurant area at Deliveroo in the UK, responsible for its strategy and commercial operations  at a global level. She was also general manager at eBay Europe for Italy and Spain and country manager at eBay Spain. He has also held  various senior positions at PayPal and Ericsson.​

Last updated: June 2022

(1) Appointed President as of December 17, 2019.
(2) Re-elected to the council on May 12, 2022.

For more information on the Audit Committee and its functions, please see the Regulations of the Board of Directors section.

Name and surname
Position
Nature
First date apointment
D.ª Rita Almela Conesa
Presidenta
Independent
28/11/2019(1)

D.ª Rita Almela Conesa

Presidenta

Rita Almela, born in Barcelona, has been a director of CaixaBank Payments & Consumer since November 2019.​

She holds a degree in Economics from the University of Barcelona (EUS Programme) and an Executive MBA from the Business School of the  University of Navarra (IESE).​

She is currently a founding partner of 101 Venture Builder, S.L., focused on creating and investing in technology companies in different  sectors, such as health, environment, communication and training. She is also an investor and advisor of different digital startups, and  partner of 5G Ventures and Data Ventures. She is a member of the board of directors of the AED, the Spanish Association of Executives and  president of its council of Catalonia.​

Previously, she was a tax advisor at the Garrigues law firm to leading companies, founder and board member of several technology startups  (Wolo, Lets Coder, AlmaShopping, CPM Telecom, for example). She was also an advisor to investees of 101 StartUps and was linked to the  CaixaBank group through "Caixa Capital Risc" from 2008 to 2011.​

Last update: June 2022

D. Alfredo García-Valdés Yrizar
Member
Independent
28/11/2019(2)

D. Alfredo García-Valdés Yrizar

Member

Alfredo García-Valdés, born in Madrid, has been a director of CaixaBank Payments & Consumer since May 2016.​

He holds a Degree in Economics and Business Administration from the Complutense University of Madrid (UCM), a Master's in Business  Administration from the Business School of the University of Navarra (IESE) and is an Insurance Mediator.​

He is currently a director of Easy Payment Gateway, a company in which Comercia Global Payments holds a stake.​

Previously, he was director, chairman and member of the Audit and Risk Committee and member of the Appointments and Remuneration  Committee of CaixaBank Consumer Finance, E.F.C., S.A. and director, chairman and member of the Appointments and Remuneration  Committee and member of the Joint Audit Committee of CaixaBank Payments, E.F.C., E.P., S.A. He was also Chairman and Chief Executive  Officer of American Express Spain and Deputy Chairman of Commercial Strategy, Europe Telephone Channel, Director and Chairman of the  Risk and Outsourcing Committees and General Manager of the Spanish branch division of American Express Payments Services Limited.​

Last updated: June 2022

D.ª Laura González-Estéfani Ramiro
Member
Independent
28/11/2019

D.ª Laura González-Estéfani Ramiro

Member

Laura González-Estéfani, born in Madrid, has been a director of CaixaBank Payments & Consumer since November 2019.​​

She holds a Degree in Audiovisual Communication and Information Sciences from the European University of Madrid and has participated in  the Management Development Programme at the Vlerick Business School (Ghent, Belgium).​

She is currently the founder, CEO and General Partner of TheVentureCity, a global technology investment fund created by founders and  executives of international technology companies. With a portfolio of over 120 companies, she focuses on infrastructure for  Fintech/Payments, HealthTech/Biotech, energy and e-commerce with offices in Madrid, Miami, San Francisco and Sao Paulo.​

Honoree of the Aspen Institute's 2022 Class of Henry Crown Fellows, supports global entrepreneurship from different platforms as an advisor  to the European Innovation Council of the European Commission, Babson College WinLab, Stanford LBAN program, mentor and panelist for  Endeavor. In addition, she has been an angel investor since 2000 with a personal portfolio of more than 40 companies.​

She previously worked for the Siemens Group, eBay en España, opened Facebook in Spain and in several countries in Europe in 2008, and  moved to Silicon Valley as head of LATAM in the areas of Growth, Mobile & Partnerships.​

Last updated: June 2022

D.ª María Victoria Hernández Valcárcel
Member
Independent
28/11/2019

D.ª María Victoria Hernández Valcárcel

Member

María Victoria Hernández Valcárcel, born in Barcelona, has been a director of CaixaBank Payments & Consumer since November 2019.​

She holds a degree in Computer Engineering from the Polytechnic University of Cataonia (UPC), an EMBA from INSEAD (France) and  a diploma in Digital Marketing from Columbia Business School.​

​She currently represents the interests of the European Innovation Council investment fund as a non-executive director in the Belgian  telecommunications company, Tessares. She is also a non-executive director of The EQ Project International, S.L. (AI TeamEQ), an entity that  offers solutions in the field of human resources through artificial intelligence, and member of the advisory board of Cashway, a financial  technology company. She is also a member of the decision-making panel for aearding grants and financial investment in the European  Union's Horizon Europe programme (budget of €10.5 billion)
As part of her social contribution, she is the European President of Global Telecom Women's Network (GTWN.org), the international forum  for women executives active in high technology, to contribute to the evolution of the information society in a positive way.​

​Previously, she was Chairwoman and CEO of Orange Spain, Director of Alliances (M&A) Europe for British Telecom, Director of European  Operations and CEO in France for GTS; Chairwoman of Proximus Spain, CEO in France and Deputy Chair of International Operations.​

​Last updated: June 2022​

D.ª Laura Juanes Micas
Member
Independent
29/09/2021

D.ª Laura Juanes Micas

Member

Laura Juanes, born in Barcelona, has been a director of CaixaBank Payments & Consumer since April 2021.​

She holds a law degree from the Universidad Autónoma de Madrid and obtained her Master's in US and Transnational Law from the  University of Miami School of Law in 2021. Certified Privacy and Data Protection Professional (CIPP/US and CIPP/EU).​

She is currently the Vice-President and Privacy Officer of Restaurant Brands International, Inc. which owns four of the world's leading quick  service restaurant brands. She also participates as a mentor and advisor in different entities: The Venture City, LLC, where she advises  startups and entrepreneurs; Enterprise 4.0 - BGV, where she is involved in privacy and artificial intelligence; and Women in Tech Miami  Council, of which she is co-founder, aimed at connecting and empowering women executives in technology.​

Previously, she was Director of Privacy and Compliance at Constella Intelligence, Inc., a global leader in the field of digital risk protection,  global director of Privacy at Facebook and director of International Privacy and Human Rights at Yahoo! where she also held other roles, such as Director of Legal Advisory at Yahoo! Spain.​

Last updated: June 2022

D.ª Susana Voces Gómez
Member
Independent
28/11/2019

D.ª Susana Voces Gómez

Member

Susana Voces, born in Madrid, has been a director of CaixaBank Payments & Consumer since November 2019.​

She holds a degree in Industrial Engineering from the Universidad Pontificia de Comillas (ICAI), specialising in Mechanical Engineering,  a degree in Marketing from the Universidad Pontificia de Comillas (ICADE), specialising in marketing research and a postgraduate degree in  management studies, specialising in IT, from the Harvard Extension School (Cambridge, Massachusetts, United States).​

She is currently the CEO of Eventim (entradas.com) in Spain and advisor and consultant for different companies.​

Previously, she was deputy chairperson of the restaurant area at Deliveroo in the UK, responsible for its strategy and commercial operations  at a global level. She was also general manager at eBay Europe for Italy and Spain and country manager at eBay Spain. He has also held  various senior positions at PayPal and Ericsson.​

Last updated: June 2022

D.ª Mireia Agelet Cusiné
Non-member vice secretary
-
27/09/2019

D.ª Mireia Agelet Cusiné

Non-member vice secretary

Mireia Agelet nacida en Barcelona, es vicesecretaria no consejera de CaixaBank Payments & Consumer desde septiembre de 2019.​​

Licenciada en Derecho por la Universidad de Barcelona, Máster en Mercados Financieros por la UB y Máster en Dirección de Recursos Humanos por EAE Business School.​

Con anterioridad, fue directora de Asesoría Societaria en Banco de Sabadell, directora de Asesoría Jurídica de Banca de Inversión en Mora Banc Grup y abogado senior de las área de tesorería, mercado de capitales, valores, banca privada, financiero, mercantil y societario en Catalunya Banc.​

​Última actualización: Junio 2022

(1) Appointed President as of January 28, 2020.
(2) Re-elected to the council on May 12, 2022.

For more information on the Innovation, Technology and Digital Transformation Committee and its functions, please see the Regulations of the Board of Directors section.

Name and surname
Position
Nature
First date apointment
D.ª Sarah Marie Harmon
Presidenta
Independent
30/06/2021

D.ª Sarah Marie Harmon

Presidenta

Sarah Harmon, born in Florida (USA), has been a director of CaixaBank Payments & Consumer since March 2021. 

She holds a Bachelor's degree in Journalism from the University of Kansas, Lawrence (USA) and a Master's degree in Business Administration from the University of North Carolina, Chapel Hill (USA). 

She is currently Global CEO of Singular People, partner and deal leader of Go Beyond Investing, EMEA, a fintech that transforms angel investing into a new asset class that is scalable to small and large investors, member of the advisory board of Melboss Music Inc. a private network for music professionals, and trustee of Foundation 29, a non-profit entity specialising in artificial intelligence applied to health. 

Previously, she wash general manager of Habitíssimo, member of the Board of Directors of Singular, member of the Board of Directors of Renta 4 Banco, S.A. and chairwoman of its Appointments and Remuneration Committee and member of its Audit and Control Committee, country manager at LinkedIn for the Iberia region with the objective of driving commercial actions, in addition to leading the women's initiative at LinkedIn from 2017 to 2018, and director of Business Development at Microsoft. 

Last updated: November 2022 

D.ª Rita Almela Conesa
Member
Independent
28/11/2019

D.ª Rita Almela Conesa

Member

Rita Almela, born in Barcelona, has been a director of CaixaBank Payments & Consumer since November 2019.

She holds a degree in Economics from the University of Barcelona (EUS Programme) and an Executive MBA from the Business School of the  University of Navarra (IESE).

She is currently a founding partner of 101 Venture Builder, S.L., focused on creating and investing in technology companies in different  sectors, such as health, environment, communication and training. She is also an investor and advisor of different digital startups, and  partner of 5G Ventures and Data Ventures. She is a member of the board of directors of the AED, the Spanish Association of Executives and  president of its council of Catalonia.

Previously, she was a tax advisor at the Garrigues law firm to leading companies, founder and board member of several technology startups  (Wolo, Lets Coder, AlmaShopping, CPM Telecom, for example). She was also an advisor to investees of 101 StartUps and was linked to the  CaixaBank group through "Caixa Capital Risc" from 2008 to 2011.

Last update: June 2022

D. Alfredo García-Valdés Yrizar
Member
Independent
25/06/2016(1)

D. Alfredo García-Valdés Yrizar

Member

Alfredo García-Valdés, born in Madrid, has been a director of CaixaBank Payments & Consumer since May 2016.

He holds a Degree in Economics and Business Administration from the Complutense University of Madrid (UCM), a Master's in Business  Administration from the Business School of the University of Navarra (IESE) and is an Insurance Mediator.

He is currently a director of Easy Payment Gateway, a company in which Comercia Global Payments holds a stake.

Previously, he was director, chairman and member of the Audit and Risk Committee and member of the Appointments and Remuneration  Committee of CaixaBank Consumer Finance, E.F.C., S.A. and director, chairman and member of the Appointments and Remuneration  Committee and member of the Joint Audit Committee of CaixaBank Payments, E.F.C., E.P., S.A. He was also Chairman and Chief Executive  Officer of American Express Spain and Deputy Chairman of Commercial Strategy, Europe Telephone Channel, Director and Chairman of the  Risk and Outsourcing Committees and General Manager of the Spanish branch division of American Express Payments Services Limited.

Last updated: June 2022

D.ª Mireia Agelet Cusiné
Non-member vice secretary
-
27/09/2019

D.ª Mireia Agelet Cusiné

Non-member vice secretary

Mireia Agelet, born in Barcelona, has been the Non-director Deputy-Secretary of CaixaBank Payments & Consumer since  September 2019.

She holds a Degree in Law from the University of Barcelona, a Master's in Financial Markets from the UB and a Master's in  Human Resources Management from EAE Business School.

Previously, she was director of Corporate Advisory at Banco de Sabadell, director of Investment Banking Legal Counsel at Mora  Banc Grup and senior lawyer in the areas of treasury, capital markets, securities, private banking, financial, commercial and  corporate law at Catalunya Banc.

Last updated: June 2022

(1) Reelected council member on 12 May 2022.

For more information on the Appointments, Remuneration and Sustainability Committee and its functions, please see the Regulations of the Board of Directors section.

Name and surname
Position
Nature
First date apointment
D. Alfredo García-Valdés Yrizar
Chairman
Independent
28/11/2019(1)

D. Alfredo García-Valdés Yrizar

Chairman

​Alfredo García-Valdés nacido en Madrid, es consejero de CaixaBank Payments & Consumer desde mayo de 2016.​

Licenciado en Ciencias Económicas y Empresariales por la Universidad Complutense de Madrid (UCM), Máster en Business Administration por la Escuela de Negocios de la Universidad de Navarra (IESE) y Mediador de Seguros.​

En la actualidad es consejero de Easy Payment Gateway, compañía participada por Comercia Global Payments.​

Con anterioridad, fue consejero, presidente y miembro del Comité de Auditoría y Riesgos y miembro del Comité de Nombramientos y Retribuciones de CaixaBank Consumer Finance, E.F.C., S.A. y consejero, presidente y miembro del Comité de Nombramientos y Retribuciones y miembro de la Comisión Mixta de Auditoría de CaixaBank Payments, E.F.C., E.P., S.A. Asimismo, fue presidente y consejero delegado en American Express España y vicepresidente en Estrategia Comercial, Canal Telefónico Europa, consejero y presidente de los Comités de Riesgos y Outsourcing y director general de la división de establecimientos en España de American Express Payments Services Limited.​

Última actualización: Octubre 2021​

D. José Manuel Gabeiras Vázquez
Member
Independent
28/11/2019

D. José Manuel Gabeiras Vázquez

Member

José Manuel Gabeiras, born in Ferrol (La Coruña), has been a director of CaixaBank Payments & Consumer since September 2019.​

He holds a degree in Economics and Mathematical Statistics from the Complutense University of Madrid (UCM) and a degree in Civil Engineering from the Polytechnic University of Madrid (UPM). Civil Servant, Qualified and Chartered Statistician.​

He was previously a member of the Board of Directors of CaixaBank Payments, EFC EP, S.A., member and Chairman of the Joint Audit Committee and member of the Appointments and Remuneration Committee. He was also a director of NovaGalicia Banco, and sat on its Executive Committee and on the Appointments and Remuneration Committee. He was also chairman of Servired and chairman of Sermepa, a director of Visa Europe, a member of the Executive Committee and a member of the Audit, Risk and Finance Committee. He has also held management and chairmanship positions in well-known entities such as SEMP, Visa International and was CEO of the financial group Credit Agricole.​

Last updated: June 2022​

D.ª María Victoria Hernández Valcárcel
Member
Independent
28/11/2019

D.ª María Victoria Hernández Valcárcel

Member

María Victoria Hernández Valcárcel, born in Barcelona, has been a director of CaixaBank Payments & Consumer since November 2019.​

She holds a degree in Computer Engineering from the Polytechnic University of Cataonia (UPC), an EMBA from INSEAD (France) and a diploma in Digital Marketing from Columbia Business School.​

She currently represents the interests of the European Innovation Council investment fund as a non-executive director in the Belgian telecommunications company, Tessares. She is also a non-executive director of The EQ Project International, S.L. (AI TeamEQ), an entity that offers solutions in the field of human resources through artificial intelligence, and member of the advisory board of Cashway, a financial technology company. She is also a member of the decision-making panel for aearding grants and financial investment in the European Union's Horizon Europe programme (budget of €10.5 billion)​

As part of her social contribution, she is the European President of Global Telecom Women's Network (GTWN.org), the international forum for women executives active in high technology, to contribute to the evolution of the information society in a positive way.​

Previously, she was Chairwoman and CEO of Orange Spain, Director of Alliances (M&A) Europe for British Telecom, Director of European Operations and CEO in France for GTS; Chairwoman of Proximus Spain, CEO in France and Deputy Chair of International Operations.​

Last updated: June 2022​

D. Jesús Moreira Goicoechea
Member
Proprietary
28/11/2019(2)

D. Jesús Moreira Goicoechea

Member

Jesús Moreira, born in Barcelona, has been a director of CaixaBank Payments & Consumer since May 2014.​

He holds a degree in Biological Sciences, specialising in Biochemistry, from the Autonomous University of Barcelona, a Master's degree in Financial Economic Management from ESADE and has completed the Executive Development programme at the Business School of the University of Navarra (IESE).​

He is currently a director, the Chief Retail Lending Officer at CaixaBank, a director at CaixaBank Operational Services and a director at Telefónica Consumer Finance.​

Previously, he was a director of CaixaBank Consumer Finance, E.F.C., S.A., and member of its Audit and Risk Committee, director and deputy- chairman of CaixaBank Titulización, S.G.F.T., S.A., director of Caixa Capital Biomed, S.C.R., S.A., director of Tenedora de Vehículos S.A., and director of Edicions 62. He was also corporate manager of Credit and Operational Risk at CaixaBank, manager of the Risk Policies and Infrastructure department at CaixaBank, as well as general manager of CaixaRenting and director of Consulting and Organization at CaixaHolding.​

Last updated: June 2022​

D.ª Laura Juanes Micas
Member
Independent
29/09/2021

D.ª Laura Juanes Micas

Member

Laura Juanes, born in Barcelona, has been a director of CaixaBank Payments & Consumer since April 2021.​

She holds a law degree from the Universidad Autónoma de Madrid and obtained her Master's in US and Transnational Law from the University of Miami School of Law in 2021. Certified Privacy and Data Protection Professional (CIPP/US and CIPP/EU).​

She is currently the Vice-President and Privacy Officer of Restaurant Brands International, Inc. which owns four of the world's leading quick service restaurant brands. She also participates as a mentor and advisor in different entities: The Venture City, LLC, where she advises startups and entrepreneurs; Enterprise 4.0 - BGV, where she is involved in privacy and artificial intelligence; and Women in Tech Miami Council, of which she is co-founder, aimed at connecting and empowering women executives in technology.​

Previously, she was Director of Privacy and Compliance at Constella Intelligence, Inc., a global leader in the field of digital risk protection, global director of Privacy at Facebook and director of International Privacy and Human Rights at Yahoo! where she also held other roles, such as Director of Legal Advisory at Yahoo! Spain.​

Last updated: June 2022​

D.ª Mireia Agelet Cusiné
Non-member vice secretary
-
27/09/2019

D.ª Mireia Agelet Cusiné

Non-member vice secretary

Mireia Agelet, born in Barcelona, has been the Non-director Deputy-Secretary of CaixaBank Payments & Consumer since September 2019.​

She holds a Degree in Law from the University of Barcelona, a Master's in Financial Markets from the UB and a Master's in Human Resources Management from EAE Business School.

Previously, she was director of Corporate Advisory at Banco de Sabadell, director of Investment Banking Legal Counsel at Mora Banc Grup and senior lawyer in the areas of treasury, capital markets, securities, private banking, financial, commercial and corporate law at Catalunya Banc.

Last updated: Junio 2022

CHIEF RISK MANAGEMENT OFFICER

Name and surname
Position
Nature
First date apointment
Risk Director
-

Risk Director

(1) Reelected to the council on 12 May 2022.
(2) Reelected to the council on 14 May 2020.

For more information on the Risk Committee and its functions, please see the Regulations of the Board of Directors section.

ORGANISATIONAL STRUCTURE

 

Organisational chart

 

CaixaBank Payments & Consumer is organised into the following businesses and interdepartmental areas.

All appointments of general directors and similar positions have been approved by the Appointments and Remuneration Committee.


 


RISK MANAGEMENT


Adequate risk management is essential for the business of any credit institution, especially for companies such as CaixaBank Payments & Consumer, that operate primarily in the retail segment and regard customer loyalty as a core value.

Risk control is fully integrated into management, which the organisation is committed to implementing. Senior management is directly involved in implementing this endeavour and maintaining the internal control framework, underpinned by prudent management and continuous capital and liquidity management and planning processes, ensuring alignment with the Group's profile. The Risk Management System operates on a comprehensive basis, consolidating risk management at the corporate level. As a result, a risk profile is established in line with the Group's strategic objectives.

For information on Risk Management, please see the following document:

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REMUNERATION



Informe anual de remuneraciones

Informe anual sobre las remuneraciones de los miembros del Consejo de Administración 2020

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Política de remuneración

Modificación de la Política de remuneración del consejo 2020-2022 aprobada por la JGA de 14 de mayo de 2021 (Artículo 529 Novodecies de la Ley de Sociedades de Capital)

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Votación de la JGA 2019

Votación de la JGA de 14 de mayo de 2019

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Informe anual de remuneraciones

Informe anual sobre las remuneraciones de los miembros del Consejo de Administración 2021

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Informe anual de remuneraciones

Informe anual sobre las remuneraciones de los miembros del Consejo de Administración 2022

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ARTICLES OF ASSOCIATION


Corporate charters in force

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REGULATIONS OF THE BOARD OF DIRECTORS


Reglamento del Consejo de Administración

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SUITABILITY OF DIRECTORS AND GENERAL DIRECTORS OR EQUIVALENT POSITIONS

 

Suitability of directors and general directors or equivalent positions

In accordance with Regulation 60 of Bank of Spain Circular 2/2016, it is hereby expressly stated that all appointments of members of the Board of Directors and general directors or equivalent positions at CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. have been approved following a favourable report issued by the Appointments, Remuneration and Sustainability Committee.

 

Established procedures to ensure suitability and mechanisms to observe incompatibility regulations

Royal Decree 309/2020 of 11 February establishes the application to financial credit institutions of regulations on suitability, incompatibilities and registration of senior officers required for credit institutions pursuant to Law 10/2014 of 26 June 2014 and Royal Decree 84/2015 of 13 February 2015, requiring directors, general directors or equivalent positions responsible for internal control functions and other key positions in credit institutions to be suitable for the performance of their duties. Accordingly, they must be persons of recognised commercial and professional standing, possess adequate knowledge and experience and, in the case of directors, be capable of exercising good governance in the organisation. In accordance with the above, CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. has established a Selection, Diversity and Suitability Assessment Policy for Directors, Senior Management and other persons in key positions, as well as a protocol of procedures for assessing the suitability and appointment of directors, senior management and other persons in key positions at CaixaBank Payments & Consumer, implementing the policy approved by its Board of Directors and establishing that the Appointments and Remuneration Committee shall prepare and submit a report on the suitability of candidates to the Board of Directors, taking into account, among other aspects, a completed suitability assessment questionnaire and a detailed and updated curriculum vitae, containing the necessary information for an accurate assessment of the requirements of good commercial and professional standing and adequate knowledge and experience of candidates. The suitability assessment report shall contain the proposal for the evaluation of the candidate and shall be approved by the Board of Directors.


CORPORATE POLICIES


CaixaBank Payments & Consumer Code of Business Conduct and Ethics

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General Principles of the CaixaBank Payments & Consumer Anti-Corruption Policy

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General Principles of CaixaBank's Corporate Policy on Compliance with Criminal Law

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Principles of the CaixaBank Regulatory Compliance Policy

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General Principles of the Corporate Policy on the Prevention of Money Laundering and the Financing of Terrorism and the Management of Sanctions and International Countermeasures within the CaixaBank Group.

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