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

Chairman

Gonzalo Gortazar, born in Madrid, has been the Chairman of CaixaBank Payments & Consumer since April 2023.

Gonzalo Gortazar holds a degree in Law and Business from Universidad Pontificia de Comillas (ICADE) and an MBA with distinction from the INSEAD Business School.

He is currently also the CEO of CaixaBank and the Director of Banco BPI.

He was the Chief Financial Officer of CaixaBank until his appointment as CEO in June 2014. Before that, he was the Director-General Manager of Criteria CaixaCorp from 2009 to June 2011. From 1993 to 2009, he worked at Morgan Stanley in London and Madrid, where he held various positions in the investment banking division, heading up the European Financial Institutions Group until mid-2009, when he joined Criteria. Previously, he held various corporate banking and investment banking positions at Bank of America.

He was the VidaCaixa Chairman, First Vice-Chairman of Repsol, and Director of the Ibursa Financial Group, Erste Bank, SegurCaixa Adeslas, Abertis, Port Aventura and Saba.

Last updated: January 2024

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

D. Jordi Nicolau Aymar

CEO

CEO

Jordi Nicolau, born in Gerona, has been the CEO of CaixaBank Payments & Consumer since April 2023.

He has a degree in Economics and Business Administration from the University of Barcelona, and a Master's in Business Administration (MBA) from the Universitat Pompeu Fabra. He also completed the Management Development Programme (PDD) at IESE, the ESADE "Leadership and Commitment" postgraduate course, and has an Advanced Studies Diploma (DEA), Third Degree, and completed the "Leadership Excellence through Awareness and Practice Programme" (LEAP) at INSEAD.

He is currently also a member of the Management Committee, and Director of Payments & Consumer at CaixaBank.

He is the director of various CaixaBank Group entities, as well: CaixaBank Tech, ImaginersGen, CaixaBank Facilities Management. He is also Chairman of the Board of Telefónica Consumer Finance and Telefónica Renting, and Director of Comercia Global Payments.

He joined the sales network of CaixaBank in 1995, and became Deputy Director and Executive Director of the Catalonia Territory, Director of the Barcelona Territory, and also Director of Retail-Customer Experience & Day to Day.

Last updated: January 2024

D.ª Rita Almela Conesa
Director
Independent
21/11/2019(3)

D.ª Rita Almela Conesa

Director

Director

Rita Almela, from Barcelona, has served as 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 University of Navarra Business School (IESE).

She is currently also a founding partner and CEO of Redwoods Dynamics, S.L., a company specialising in the development of solutions and distribution of technology products. She is also a partner and founder of 101 Venture Builder, S.L., which creates and invests in technology companies in sectors such as health, the environment, communications and training, among others. She is also an investor and advisor for various digital startups, and a partner at 5G Ventures and Data Ventures. She is a member of the Board of Directors of AED, Asociación Española de Directivos and President of its advisory board in Catalonia, and a member of the executive board of El Círculo de Economía. 

Prior to this, she worked at the Garrigues law firm as a tax attorney for large companies, and was a founder and adviser at several technology Startups (including Wolo, Lets Coder, AlmaShopping and CPM Telecom). She also worked as an advisor to partners of 101 StartUps, and was associated to the CaixaBank Group through "Caixa Capital Risc" from 2008 to 2011.

Last updated: January 2024

D. Matthias Bulach
Director
Proprietary
04/10/2018

D. Matthias Bulach

Director

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 also the Director of Accounting, Management Control and Capital at CaixaBank, sits on the CaixaBank Management Committee and is a Director at 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: January 2024

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

D. José Manuel Gabeiras Vázquez

Director

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: January 2024

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

D. Alfredo García-Valdés Yrizar

Director

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: January 2024

D.ª Laura González-Estéfani Ramiro
Director
Independent
21/11/2019(3)

D.ª Laura González-Estéfani Ramiro

Director

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 also 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: January 2024

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

D.ª Sarah Marie Harmon

Director

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 also a director at Sngular People, partner at Go Beyond Investing, EMEA, a fintech that transforms angel investing into a new class of scalable assets for small and large investors, an administrator at Amplify, S.L., a member of the advisory board of Melboss Music Inc., a private network for music professionals, a patron of the non-profit organisation Foundation 29, specialising in artificial intelligence applied to health, and vice-president of the UNED Social Council.

She was previously the Managing Director of Habíssimo, a member of the Board of Directors of Sngular, a member of the Board of Administración de Renta 4 Banco, S.A. president of its Appointments and Remuneration Committee and member of its Audit and Control Committee, deal leader at Go Beyond Investing, LinkedIn country manager for the Iberia region, tasked with promoting sales activities, and she also led the women's initiative at Linkedln from 2017 to 2018, and was Business Development Director at Microsoft. 

 Last updated: January 2024

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

D.ª Laura Juanes Micas

Director

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 also 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: January 2024

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

D. Jaume Masana Ribalta

Director

Director

Jaume Masana was born in Manresa and has been a director of CaixaBank Payments & Consumer since April 2023.

He holds a degree in Business Studies, a Master's Degree in Business Management and Administration from ESADE and a Master's Degree in CEMS, Community of European Management Schools from the Università Commerciale Luigi Bocconi (Milan, Italy). He also completed the International Management Program at New York University - Stern School of Business.

He is currently also the Business Director at CaixaBank, where he is responsible for the entire branch network, retail  banking, business banking and private banking, a member of the CaixaBank Management Committee, director of SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, and President of Imaginersgen, S.A.

He joined CaixaBank in 2013 and was Territorial Director of Catalunya from 2013 to 2022. Previously, he worked at Catalunya Caixa (2010-2013), Caixa Catalunya (2008-2010) and Caixa Manresa (1996-2008). He has also worked in private equity at Granville Holdings PLC (now Baird Capital) between Barcelona and London and in the treasury area of JP Morgan in Milan (Italy).

Last updated: January 2024

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

D. Jesús Moreira Goicoechea

Director

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 also the Director, Chief Retail Lending Officer of CaixaBank, a director at CaixaBank Operational Services, director at Telefónica Consumer Finance and director at Telefónica Renting.

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: January 2024

D.ª Mariona Vicens Cuyás
Director
Proprietary
21/11/2023

D.ª Mariona Vicens Cuyás

Director

Director

Mariona Vicens, born in Girona in 1976, has served as Director of CaixaBank Payments & Consumer since November 2023.

She graduated as a Mechanical Engineer from Catalunya Polytechnic University (UPC) and has an MBA from the Kellogg School of Management, Northwestern University.

She is currently also the Director of Digital Transformation and Advanced Analytics at CaixaBank, sits on the CaixaBank Management Committee and is a Director of CaixaBank Tech, S.L.U. and imaginersGen, S.A.

She joined CaixaBank in 2012 as Director of Innovation, and since 2018 she has been Director of Innovation and Digital Transformation. Previously, she worked in the areas of Business Strategy and Development in Novartis, with international experience in China and Switzerland, and as a Senior Associate at McKinsey & Co, working in the financial and pharmaceutical sectors.

Last updated: January 2024

D.ª Susana Voces Gómez
Director
Independent
21/11/2019(3)

D.ª Susana Voces Gómez

Director

Director

Susana Voces Gómez, from Madrid, has served as 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), with specialization in marketing research, and a postgraduate degree in Administration Studies, with specialization in IT, from the Harvard Extension School (Cambridge, Massachusetts, United States).

She is currently the General Director of Eventim (entradas.com) in Spain, and a director and adviser at various companies. She is also the Chair of Adigital (Spanish Association of the Digital Economy).

She previously served as Deputy Chair of the Deliveroo Restaurant Area in the United Kingdom, and was responsible for its global strategy and commercial operations. She was also CEO of eBay Europa for Italy and Spain, and country manager at eBay Spain. She has also held management positions at PayPal and Ericsson.

Last updated: January 2024

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

D.ª Mireia Agelet Cusiné

Non-Director Deputy Secretary

Non-Director Deputy 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 degree in Human Resources Management from EAE Business School.

Before that, she was the Director of Corporate Consulting at Banco de Sabadell, Director of Legal Counsel for Investment Banking at Mora Banc Grup, and a senior lawyer in the areas of cash management, capital market, securities, private, financial, commercial and corporate law at Catalunya Banc.

Last updated: January 2024

D. Pedro Zarraluqui Arvizu
Non-Director Secretary
-
30/01/2024

D. Pedro Zarraluqui Arvizu

Non-Director Secretary

Non-Director Secretary

Pedro Zarraluqui, born in Madrid, has been the non-director secretary of CaixaBank Payments & Consumer since January 2024.

He holds a law degree from Universidad Complutense in Madrid and a minor degree in Community Law from CEU San Pablo.

He is currently the Director of CaixaBank's Company Advisory Department. He is also the secretary or vice-secretary of various entities of the CaixaBank Group, including CaixaBank Wealth Management, Comercia Global Payments, Entidad de Pagos, BuildingCenter, CaixaBank Operational Services, CaixaBank Advanced Business Analytics, ImaginersGen, CaixaBank Facilities Management, Open Wealth, Unión de Crédito para la Financiación Mobiliaria and Inmobiliaria Credifimo. 

He previously served as a member of the Legal Counsel Department of Banca Cívica investees, and before that, as the Director of the Legal Counsel Department of the Caja Navarra Corporate Business Group.

Last updated: January 2024

(1) Re-elected on May 14, 2020
(2) Re-elected on May 12, 2022
(3) Re-elected on November 23, 2023

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. Alfredo García-Valdés Yrizar
Chairman
Independent
25/05/2016(1)(2)

D. Alfredo García-Valdés Yrizar

Chairman

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: January 2024

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

D. José Manuel Gabeiras Vázquez

Member

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: January 2024

D. Matthias Bulach
Member
Proprietary
28/11/2019

D. Matthias Bulach

Member

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 also the Director of Accounting, Management Control and Capital at CaixaBank, sits on the CaixaBank Management Committee and is a Director at 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: January 2024

(1) Appointed Chairman on 17 December 2023.
(2) ​​​​​Re-elected member of the Board of Director on 12 May 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 Susana Voces Gómez
Presidenta
Independent
28/11/2019(1)(2)

D.ª Susana Voces Gómez

Presidenta

Director

Susana Voces Gómez, from Madrid, has served as 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), with specialization in marketing research, and a postgraduate degree in Administration Studies, with specialization in IT, from the Harvard Extension School (Cambridge, Massachusetts, United States).

She is currently the General Director of Eventim (entradas.com) in Spain, and a director and adviser at various companies. She is also the Chair of Adigital (Spanish Association of the Digital Economy).

She previously served as Deputy Chair of the Deliveroo Restaurant Area in the United Kingdom, and was responsible for its global strategy and commercial operations. She was also CEO of eBay Europa for Italy and Spain, and country manager at eBay Spain. She has also held management positions at PayPal and Ericsson.

Last updated: January 2024

D.ª Rita Almela Conesa
Member
Independent
28/11/2019(2)

D.ª Rita Almela Conesa

Member

Director

Rita Almela, from Barcelona, has served as 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 University of Navarra Business School (IESE).

She is currently also a founding partner and CEO of Redwoods Dynamics, S.L., a company specialising in the development of solutions and distribution of technology products. She is also a partner and founder of 101 Venture Builder, S.L., which creates and invests in technology companies in sectors such as health, the environment, communications and training, among others. She is also an investor and advisor for various digital startups, and a partner at 5G Ventures and Data Ventures. She is a member of the Board of Directors of AED, Asociación Española de Directivos and President of its advisory board in Catalonia, and a member of the executive board of El Círculo de Economía. 

Prior to this, she worked at the Garrigues law firm as a tax attorney for large companies, and was a founder and adviser at several technology Startups (including Wolo, Lets Coder, AlmaShopping and CPM Telecom). She also worked as an advisor to partners of 101 StartUps, and was associated to the CaixaBank Group through "Caixa Capital Risc" from 2008 to 2011.

Last updated: January 2024

D.ª Laura González-Estéfani Ramiro
Member
Independent
28/11/2019(2)

D.ª Laura González-Estéfani Ramiro

Member

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 also 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: January 2024

D.ª Mariona Vicens Cuyás
Member
Proprietary
21/11/2023

D.ª Mariona Vicens Cuyás

Member

Director

Mariona Vicens, born in Girona in 1976, has served as Director of CaixaBank Payments & Consumer since November 2023.

She graduated as a Mechanical Engineer from Catalunya Polytechnic University (UPC) and has an MBA from the Kellogg School of Management, Northwestern University.

She is currently also the Director of Digital Transformation and Advanced Analytics at CaixaBank, sits on the CaixaBank Management Committee and is a Director of CaixaBank Tech, S.L.U. and imaginersGen, S.A.

She joined CaixaBank in 2012 as Director of Innovation, and since 2018 she has been Director of Innovation and Digital Transformation. Previously, she worked in the areas of Business Strategy and Development in Novartis, with international experience in China and Switzerland, and as a Senior Associate at McKinsey & Co, working in the financial and pharmaceutical sectors.

Last updated: January 2024

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

D. Alfredo García-Valdés Yrizar

Member

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: January 2024

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

D.ª Laura Juanes Micas

Member

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 also 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: January 2024

(1) Appointed President on 17 December 2023.
(2) Re-elected member of the Board of Director on 21 November 2023.
(3) 
Re-elected member of the Board of Director on 12 May 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

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 also a director at Sngular People, partner at Go Beyond Investing, EMEA, a fintech that transforms angel investing into a new class of scalable assets for small and large investors, an administrator at Amplify, S.L., a member of the advisory board of Melboss Music Inc., a private network for music professionals, a patron of the non-profit organisation Foundation 29, specialising in artificial intelligence applied to health, and vice-president of the UNED Social Council.

She was previously the Managing Director of Habíssimo, a member of the Board of Directors of Sngular, a member of the Board of Administración de Renta 4 Banco, S.A. president of its Appointments and Remuneration Committee and member of its Audit and Control Committee, deal leader at Go Beyond Investing, LinkedIn country manager for the Iberia region, tasked with promoting sales activities, and she also led the women's initiative at Linkedln from 2017 to 2018, and was Business Development Director at Microsoft. 

 Last updated: January 2024

D. Alfredo García-Valdés Yrizar
Member
Independent
25/05/2016(1)

D. Alfredo García-Valdés Yrizar

Member

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: January 2024

D.ª Laura González-Estéfani Ramiro
Member
Independent
17/12/2023(2)

D.ª Laura González-Estéfani Ramiro

Member

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 also 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: January 2024

(1) Re-elected member of the Board of Director on 12 May 2022.
(2) 
Re-elected member of the Board of Director on 21 November 2023.

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.ª Rita Almela Conesa
Presidenta
Independent
17/12/2023(1)(2)

D.ª Rita Almela Conesa

Presidenta

Director

Rita Almela, from Barcelona, has served as 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 University of Navarra Business School (IESE).

She is currently also a founding partner and CEO of Redwoods Dynamics, S.L., a company specialising in the development of solutions and distribution of technology products. She is also a partner and founder of 101 Venture Builder, S.L., which creates and invests in technology companies in sectors such as health, the environment, communications and training, among others. She is also an investor and advisor for various digital startups, and a partner at 5G Ventures and Data Ventures. She is a member of the Board of Directors of AED, Asociación Española de Directivos and President of its advisory board in Catalonia, and a member of the executive board of El Círculo de Economía. 

Prior to this, she worked at the Garrigues law firm as a tax attorney for large companies, and was a founder and adviser at several technology Startups (including Wolo, Lets Coder, AlmaShopping and CPM Telecom). She also worked as an advisor to partners of 101 StartUps, and was associated to the CaixaBank Group through "Caixa Capital Risc" from 2008 to 2011.

Last updated: January 2024

D. Alfredo García-Valdés Yrizar
Member
Independent
28/11/2019(1)

D. Alfredo García-Valdés Yrizar

Member

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: January 2024

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

D. José Manuel Gabeiras Vázquez

Member

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: January 2024

D. Jesús Moreira Goicoechea
Member
Proprietary
28/11/2019(4)

D. Jesús Moreira Goicoechea

Member

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 also the Director, Chief Retail Lending Officer of CaixaBank, a director at CaixaBank Operational Services, director at Telefónica Consumer Finance and director at Telefónica Renting.

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: January 2024

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

D.ª Laura Juanes Micas

Member

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 also 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: January 2024

CHIEF RISK MANAGEMENT OFFICER

Name and surname
Position
Nature
First date apointment
Risk Director
-

Risk Director

(1) Appointed Chairwoman on 19 December 2023.

(2) Re-elected member of the Board of Director on 21 November 2023.

(3) Re-elected member of the Board of Director on 12 May 2022.

(4) Re-elected member of the Board of Director 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 Corporate Policy on Criminal Compliance

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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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General Principles of Corporate Policy on Conflicts of Interest at CaixaBank Group

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Sustainability Principles

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Principles of Human Rights at CaixaBank

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Supplier Code of Conduct

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