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.
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
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. 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: May 2024
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
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
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
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
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
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
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
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
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
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
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
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
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
(1) Re-elected on 14 May 2020 and 14 May 2024
(2) Re-elected on 12 May 2022
(3) Re-elected on 21 November 2023
(4) Re-elected on 4 October 2024
For information on the Administration Committee and its functions, see the section Board Regulations.
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
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
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
(1) Appointed Chairman on 17 December 2023.
(2) Re-elected member of the Board of Director on 12 May 2022.
(3) Re-elected member of the Board on October 4, 2024.
For more information on the Audit Committee and its functions, please see the Regulations of the Board of Directors section.
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
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
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
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
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
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
(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.
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 president 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: May 2024
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
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.
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
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
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
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
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
Manel Marcet, born in Madrid, has been Chief Risk Officer of CaixaBank Payments & Consumer since April 2024.
He holds a Degree in Business Administration and an MBA from ESADE, a CEMS Master's Degree from the Université Catholique de Louvain (Belgium) and a Management Development Programme (PDD) from IESE.
He joined the CaixaBank Group in 2007 and served as General Manager of Risks and Finance at CaixaRenting and Finconsum until 2012. Between 2012 and 2024, he served at CaixaBank as Director of Global Risk and Infrastructure Information, Director of Risk Policies and Control, Director of Retail Risk and Director of Retail Delinquency and Recoveries.
He has also worked at companies such as General Electric Company, PwC and JP Morgan. Furthermore, he has served as a director of CaixaBank Titulización, E.G.F.T., S.A.U., Equifax Inc. and Soluciones Confirma and is a member of the Board of Directors of ASNEF (National Association of Financial Credit Institutions).
Last updated: May 2024
(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 and 14 May 2024.
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
DownloadInforme anual de remuneraciones
Informe anual sobre las remuneraciones de los miembros del Consejo de Administración 2022
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 Corporate Policy on Criminal Compliance
DownloadPrinciples of the CaixaBank Regulatory Compliance Policy
DownloadGeneral principles of the Corporate Policy for the Prevention of Money Laundering and the Financing of Terrorism and managing Sanctions and International Countermeasures
DownloadGeneral Principles of the Corporate Policy on Conflicts of Interest of the CaixaBank Group
DownloadSustainability Principles
DownloadPrinciples of Human Rights at CaixaBank
DownloadSupplier Code of Conduct
DownloadTransparency policy in the distribution of insurance products through distance communication media
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