Meet the members of our Board of Directors and
Board Committees. You can also find our
Articles of Association, corporate policies and
other documents of interest.
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
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
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
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
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
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
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
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
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
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
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
Ignacio Redondo, born in Granada, has been a director of CaixaBank Payments & Consumer since September 2019.
State Attorney since 2002, holds a Law Degree from CEU San Pablo University, has completed the Senior Executive Programme at ESADE and and the Advanced Management Programme (AMP) at Harvard Business School.
He has been the Director of the Legal Department at CaixaBank since 2010. He is also a director of several entities of the CaixaBank group: CaixaBank Wealth Management Luxembourg, ImaginersGen, CaixaBank Operational Services, and Building Center. He is joint director of CaixaBank Notas Minoristas, and is also secretary to the board of directors of several subsidiaries of the group, including CaixaBank Asset Management.
Previously, he was Secretary General and Secretary to the Board of the Telecommunications Market Commission, Secretary of the Regional Economic Administrative Court of Catalonia and State Attorney at the State Attorney's Office in Madrid.
Last updated: June 2022
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
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.
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
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
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
Ignacio Redondo nacido en Granada, es consejero de CaixaBank Payments & Consumer desde septiembre de 2019.
Licenciado en Derecho por la Universidad CEU San Pablo y Máster en Programa de Dirección de Empresas por ESADE. Abogado del Estado (Promoción 2002).
En la actualidad es director de la Asesoría Jurídica en CaixaBank que integra la asesoría jurídica contenciosa, la asesoría jurídica corporativa, la asesoría fiscal, mercados de capitales y transparencia, gestión de servicios jurídicos, regulación retail, digital y mercados, banca de empresas y corporativa y tesorería. Asimismo, es consejero de GDS Cusa, S.A., consejero de Caser, S.A., consejero de Building Center, S.A. y administrador mancomunado de CaixaBank Notas Minoristas, S.A., así como secretario del consejo de administración de diversas filiales del grupo.
Con anterioridad, fue consejero y secretario de CaixaBank Payments, E.F.C. E.P., S.A., secretario general y del consejo de la Comisión del Mercado de las Telecomunicaciones, secretario del Tribunal Económico Administrativo Regional de Cataluña y Abogado del Estado en la Abogacía del Estado de Madrid.
Última actualización: Octubre 2021
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.
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
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
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
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
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
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
Ignacio Redondo, born in Granada, has been a director of CaixaBank Payments & Consumer since September 2019.
State Attorney since 2002, holds a Law Degree from CEU San Pablo University, has completed the Senior Executive Programme at ESADE and and the Advanced Management Programme (AMP) at Harvard Business School.
He has been the Director of the Legal Department at CaixaBank since 2010. He is also a director of several entities of the CaixaBank group: CaixaBank Wealth Management Luxembourg, ImaginersGen, CaixaBank Operational Services, and Building Center. He is joint director of CaixaBank Notas Minoristas, and is also secretary to the board of directors of several subsidiaries of the group, including CaixaBank Asset Management.
Previously, he was Secretary General and Secretary to the Board of the Telecommunications Market Commission, Secretary of the Regional Economic Administrative Court of Catalonia and State Attorney at the State Attorney's Office in Madrid.
Last updated: June 2022
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.
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
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
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
Ignacio Redondo, born in Granada, has been a director of CaixaBank Payments & Consumer since September 2019.
State Attorney since 2002, holds a Law Degree from CEU San Pablo University, has completed the Senior Executive Programme at ESADE and and the Advanced Management Programme (AMP) at Harvard Business School.
He has been the Director of the Legal Department at CaixaBank since 2010. He is also a director of several entities of the CaixaBank group: CaixaBank Wealth Management Luxembourg, ImaginersGen, CaixaBank Operational Services, and Building Center. He is joint director of CaixaBank Notas Minoristas, and is also secretary to the board of directors of several subsidiaries of the group, including CaixaBank Asset Management.
Previously, he was Secretary General and Secretary to the Board of the Telecommunications Market Commission, Secretary of the Regional Economic Administrative Court of Catalonia and State Attorney at the State Attorney's Office in Madrid.
Last updated: June 2022
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.
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
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
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
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
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
Ignacio Redondo, born in Granada, has been a director of CaixaBank Payments & Consumer since September 2019.
State Attorney since 2002, holds a Law Degree from CEU San Pablo University, has completed the Senior Executive Programme at ESADE and and the Advanced Management Programme (AMP) at Harvard Business School.
He has been the Director of the Legal Department at CaixaBank since 2010. He is also a director of several entities of the CaixaBank group: CaixaBank Wealth Management Luxembourg, ImaginersGen, CaixaBank Operational Services, and Building Center. He is joint director of CaixaBank Notas Minoristas, and is also secretary to the board of directors of several subsidiaries of the group, including CaixaBank Asset Management.
Previously, he was Secretary General and Secretary to the Board of the Telecommunications Market Commission, Secretary of the Regional Economic Administrative Court of Catalonia and State Attorney at the State Attorney's Office in Madrid.
Last updated: June 2022
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
(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 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.
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:
DownloadInforme anual de remuneraciones
Informe anual sobre las remuneraciones de los miembros del Consejo de Administración 2020
DownloadPolítica 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)
DownloadInforme anual de remuneraciones
Informe anual sobre las remuneraciones de los miembros del Consejo de Administración 2021
Download
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.
CaixaBank Payments & Consumer Code of Business Conduct and Ethics
DownloadGeneral Principles of the CaixaBank Payments & Consumer Anti-Corruption Policy
DownloadGeneral Principles of CaixaBank's Corporate Policy on Compliance with Criminal Law
DownloadPrinciples of the CaixaBank Regulatory Compliance Policy
DownloadGeneral 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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