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.
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 the CEO of CaixaBank and a 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 Chairman of VidaCaixa, First Vice-Chairman of Repsol, and director of the Inbursa Financial Group, Erste Bank, SegurCaixa Adeslas, Abertis, Port Aventura and Saba.
Last updated: February 2025
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 has also completed the Management Development Programme (PDD) at IESE, the ESADE "Leadership and Commitment" postgraduate course, the Advanced Studies Diploma (DEA) Third Degree at the University of Girona, and the "Leadership Excellence through Awareness and Practice Programme" (LEAP) at INSEAD.
He is currently 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 CaixaBank in 1995, occupying different positions in the commercial network. Subsequently he was also Deputy Director and Executive Director of the Catalonia Territory, Director of the Barcelona Territory, and Director of Retail-Customer Experience & Day to Day.
Last updated: February 2025
Rita Almela, from Barcelona, has served as a director of CaixaBank Payments & Consumer since November 2019.
She holds a degree in Economics from the University of Barcelona (EUS Programme) and an Executive MBA from the University of Navarra Business School (IESE).
She is currently a partner and founder of World Trade Center Barcelona and founding partner of 101 Venture Builder, S.L., which creates and invests in technology companies in sectors such as health, the environment and training, among others. She also invests in and advises various digital and tech startups. 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: February 2025
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 Management Master's degree from the Community of European Management Schools, and a Master's in Business Administration from the School of Business at the University of Navarra (IESE).
He is currently the Head of Accounting, Management Control and Capital at CaixaBank, sits on the CaixaBank Management Committee and is a Director of BuildingCenter, S.A.
Previously, he was a director of CaixaBank Consumer Finance, E.F.C., S.A., and a member of its Appointments and Compensation 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 a member of its Audit Committee, and a director of Creapolis, Parc de la Creativitat, S.A. He was also Corporate Director of Planning and Capital, Director of the Financial Planning Department at CaixaBank, and Director of the Economic Analysis Office at "la Caixa" Savings and Pensions. He was also a senior associate at McKinsey & Company, specialising in the financial sector (banking, insurance).
Last updated: February 2025
José Manuel Gabeiras, born in Ferrol (La Coruña), has been a director of CaixaBank Payments & Consumer since September 2019.
He has a degree in Mathematical Statistics from the Complutense University of Madrid (UCM) and a degree in Civil Engineering from the Technical University of Madrid. Civil servant, certified statistician.
He was previously a member of the Board of Directors of CaixaBank Payments, EFC EP, S.A., a member and chairman of the Joint Audit Committee, and a member of the Appointment and Remuneration Committee. He was also a director of NovaGalicia Banco, where he sat on its Executive Committee and the Appointments and Remuneration Committee. He was also Chairman of Servired and Chairman of Sermepa, a director of Visa Europe, member of the Executive Committee, and member of the Audit, Risk and Finance Committee. He has also held leadership and presidency positions in recognised entities, like SEMP and Visa International, and served as CEO of the Credit Agricole financial group.
Last updated: February 2025
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 Science from the Complutense University of Madrid, a Master's in Business Administration from the School of Business at the University of Navarra (IESE), and is a certified insurance broker.
Previously, he was a director, chairman and member of the Audit and Risk Committee, as well as a member of the Appointment and Remuneration Committee at CaixaBank Consumer Finance, E.F.C., S.A. He was also a director, chairman and member of the Appointment and Remuneration Committee, and a member of the Joint Audit Committee at CaixaBank Payments, E.F.C., E.P., S.A. Additionally, he served as chairman and CEO of American Express Spain, deputy chairman of Commercial Strategy, European Telephone Channel, director and chairman of the Risk and Outsourcing Committees, and General Manager of the Spain division of American Express Payments Services Limited. He was also a board member of Easy Payment Gateway, an investee of Comercia Global Payments.
Last updated: February 2025
Laura González-Estéfani, born in Madrid, has served as 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 completed the Managerial Development Programme at the Vlerick Business School (Ghent, Belgium).
She is currently the founder, CEO and General Partner of TheVentureCity, a global technology investment fund created by founders and executives of international technology companies. With a portfolio of more than 120 companies, it focuses on infrastructure for fintech/payments, health tech/biotech, energy and e-commerce, and it has offices in Madrid, Miami, San Francisco and São Paulo. She also sits on the Advisory Board of the Centre for Technological Development and Innovation (CDTI).
Henry Crown Fellow of the Aspen Institute 2022, she supports global entrepreneurship through various platforms, including as a board member of the European Commission's European Innovation Council, Babson College WinLab, the Stanford LBAN programme, and as a mentor and panelist for Endeavor. She has also been an angel investor since 2000, with a personal portfolio of more than 40 companies.
She previously worked for the Siemens Group, for eBay Spain, opened Facebook in Spain and in several European countries in 2008, and moved to Silicon Valley as head of LATAM in Growth, Mobile & Partnerships.
Last updated: February 2025
Sarah Harmon, born in Florida (USA), has been a director of CaixaBank Payments & Consumer since March 2021.
She holds a degree in Journalism from the University of Kansas, Lawrence (USA), and a Master's in Business Administration from the University of North Carolina, Chapel Hill (USA).
She is currently also a director at Sngular People, 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, 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 General Director of Habitíssimo, a member of the Board of Directors of Sngular, a member of the Board of Directors of Renta 4 Banco, S.A., president of its Appointments and Compensation Committee, and a member of its Audit and Control Committee. She was also a partner and deal leader at Go Beyond Investing, Country Manager for LinkedIn in the Iberia region — where she spearheaded commercial actions, and she led LinkedIn's Women’s Initiative from 2017 to 2018 — and Director of Business Development at Microsoft.
Last updated: February 2025
She is currently the founder of Global Privacy & Policy Consulting, LLC, a consulting firm specialising in strategic privacy, AI governance and digital ethics. She also participates as a mentor and advisor in different entities: Women in AI Governance, as a member of its board; The Ethical AI Governance Group, being part of its advisory board; TheVentureCity, 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 the Vice President and Privacy Officer at Restaurant Brands International, Inc., Chief Privacy and Compliance Officer at Constella Intelligence, Inc. a global leader in the field of digital risk protection, Global Chief Privacy Officer at Facebook, and Director of International Privacy and Human Rights at Yahoo! where she also held other roles, such as Director of General Counsel at Yahoo! Spain.
Last updated: February 2025
Jaume Masana, born in Manresa, has been a director of CaixaBank Payments & Consumer since April 2023.
He holds a degree in Business Administration and a Master's in Business Administration from ESADE, and a CEMS, Community of European Management Schools Master's 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 the Business Director at CaixaBank, and 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 director and Chairman of Imaginersgen, S.A.
He joined CaixaBank in 2013 and was Territorial Director for Catalonia from 2013 to 2022. Prior to that, 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) in Barcelona and London, and in treasury at JP Morgan in Milan (Italy). He has taught international finance and investment banking at the ESADE Business School in Barcelona.
Last updated: February 2025
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 in Financial Economics from ESADE, and completed the Management Development Programme at the School of Business of the University of Navarra (IESE).
He is currently a director, Chief Retail Lending Officer of CaixaBank, a director of Telefónica Consumer Finance and director of Telefónica Renting.
Previously, he was a director of CaixaBank Consumer Finance, E.F.C., S.A., and a member of its Audit and Risk Committee; a director of CaixaBank Operational Services; a director and deputy chairman of CaixaBank Titulización, S.G.F.T., S.A.; a director of Caixa Capital Biomed, S.C.R., S.A.; a director of Tenedora de Vehículos S.A.; and a director of Edicions 62. He was also the Executive Director of Credit and Operational Risk at CaixaBank, Director of the Risk Policies and Infrastructure Department at CaixaBank, as well as CEO of CaixaRenting and Director of Consulting and Organisation at CaixaHolding .
Last updated: February 2025
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 and has an MBA from the Kellogg School of Management, Northwestern University.
She is currently the director of Digital Transformation and Advanced Analytics at CaixaBank, sits on the CaixaBank Management Committee, is a Director of CaixaBank Tech, S.L.U., a director of Imaginersgen, S.A. and president of CaixaBank Advanced Business Analytics, 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: February 2025
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), specialising in marketing research, and a postgraduate degree in Administration Studies, specialising in IT, from the Harvard Extension School (Cambridge, Massachusetts, USA).
She is currently General Director of Eventim (entradas.com) in Spain, and works as 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: February 2025
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 Luxembourg, S.A., CaixaBank Asset Management, SGIIC, S.A., Comercia Global Payments, Entidad de Pagos, BuildingCenter, S.A., CaixaBank Advanced Business Analitycs, S.A., ImaginersGen, S.A., Open Wealth, S.A., and Unión de Crédito para la Financiación Mobiliaria e Inmobiliaria Credifimo, E.F.C., S.A.
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: February 2025
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 (UB), a Master's in Financial Markets from the UB and a Master's in Human Resources Management from EAE Business School.
She currently coordinates the Subsidiaries and Corporate Governance Office at CaixaBank, S.A.
Previously, she was Director of Corporate Counsel at Banco Sabadell, Director of Legal Counsel for Investment Banking at Mora Banc Grup, and senior lawyer in the areas of treasury, capital market, securities, and private, financial, commercial and corporate banking at Catalunya Banc.
Last updated: February 2025
(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.
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 Science from the Complutense University of Madrid, a Master's in Business Administration from the School of Business at the University of Navarra (IESE), and is a certified insurance broker.
Previously, he was a director, chairman and member of the Audit and Risk Committee, as well as a member of the Appointment and Remuneration Committee at CaixaBank Consumer Finance, E.F.C., S.A. He was also a director, chairman and member of the Appointment and Remuneration Committee, and a member of the Joint Audit Committee at CaixaBank Payments, E.F.C., E.P., S.A. Additionally, he served as chairman and CEO of American Express Spain, deputy chairman of Commercial Strategy, European Telephone Channel, director and chairman of the Risk and Outsourcing Committees, and General Manager of the Spain division of American Express Payments Services Limited. He was also a board member of Easy Payment Gateway, an investee of Comercia Global Payments.
Last updated: February 2025
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 Management Master's degree from the Community of European Management Schools, and a Master's in Business Administration from the School of Business at the University of Navarra (IESE).
He is currently the Head of Accounting, Management Control and Capital at CaixaBank, sits on the CaixaBank Management Committee and is a Director of BuildingCenter, S.A.
Previously, he was a director of CaixaBank Consumer Finance, E.F.C., S.A., and a member of its Appointments and Compensation 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 a member of its Audit Committee, and a director of Creapolis, Parc de la Creativitat, S.A. He was also Corporate Director of Planning and Capital, Director of the Financial Planning Department at CaixaBank, and Director of the Economic Analysis Office at "la Caixa" Savings and Pensions. He was also a senior associate at McKinsey & Company, specialising in the financial sector (banking, insurance).
Last updated: February 2025
José Manuel Gabeiras, born in Ferrol (La Coruña), has been a director of CaixaBank Payments & Consumer since September 2019.
He has a degree in Mathematical Statistics from the Complutense University of Madrid (UCM) and a degree in Civil Engineering from the Technical University of Madrid. Civil servant, certified statistician.
He was previously a member of the Board of Directors of CaixaBank Payments, EFC EP, S.A., a member and chairman of the Joint Audit Committee, and a member of the Appointment and Remuneration Committee. He was also a director of NovaGalicia Banco, where he sat on its Executive Committee and the Appointments and Remuneration Committee. He was also Chairman of Servired and Chairman of Sermepa, a director of Visa Europe, member of the Executive Committee, and member of the Audit, Risk and Finance Committee. He has also held leadership and presidency positions in recognised entities, like SEMP and Visa International, and served as CEO of the Credit Agricole financial group.
Last updated: February 2025
(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.
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
Rita Almela, from Barcelona, has served as a director of CaixaBank Payments & Consumer since November 2019.
She holds a degree in Economics from the University of Barcelona (EUS Programme) and an Executive MBA from the University of Navarra Business School (IESE).
She is currently a partner and founder of World Trade Center Barcelona and founding partner of 101 Venture Builder, S.L., which creates and invests in technology companies in sectors such as health, the environment and training, among others. She also invests in and advises various digital and tech startups. 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: February 2025
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 Science from the Complutense University of Madrid, a Master's in Business Administration from the School of Business at the University of Navarra (IESE), and is a certified insurance broker.
Previously, he was a director, chairman and member of the Audit and Risk Committee, as well as a member of the Appointment and Remuneration Committee at CaixaBank Consumer Finance, E.F.C., S.A. He was also a director, chairman and member of the Appointment and Remuneration Committee, and a member of the Joint Audit Committee at CaixaBank Payments, E.F.C., E.P., S.A. Additionally, he served as chairman and CEO of American Express Spain, deputy chairman of Commercial Strategy, European Telephone Channel, director and chairman of the Risk and Outsourcing Committees, and General Manager of the Spain division of American Express Payments Services Limited. He was also a board member of Easy Payment Gateway, an investee of Comercia Global Payments.
Last updated: February 2025
Laura González-Estéfani, born in Madrid, has served as 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 completed the Managerial Development Programme at the Vlerick Business School (Ghent, Belgium).
She is currently the founder, CEO and General Partner of TheVentureCity, a global technology investment fund created by founders and executives of international technology companies. With a portfolio of more than 120 companies, it focuses on infrastructure for fintech/payments, health tech/biotech, energy and e-commerce, and it has offices in Madrid, Miami, San Francisco and São Paulo. She also sits on the Advisory Board of the Centre for Technological Development and Innovation (CDTI).
Henry Crown Fellow of the Aspen Institute 2022, she supports global entrepreneurship through various platforms, including as a board member of the European Commission's European Innovation Council, Babson College WinLab, the Stanford LBAN programme, and as a mentor and panelist for Endeavor. She has also been an angel investor since 2000, with a personal portfolio of more than 40 companies.
She previously worked for the Siemens Group, for eBay Spain, opened Facebook in Spain and in several European countries in 2008, and moved to Silicon Valley as head of LATAM in Growth, Mobile & Partnerships.
Last updated: February 2025
She is currently the founder of Global Privacy & Policy Consulting, LLC, a consulting firm specialising in strategic privacy, AI governance and digital ethics. She also participates as a mentor and advisor in different entities: Women in AI Governance, as a member of its board; The Ethical AI Governance Group, being part of its advisory board; TheVentureCity, 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 the Vice President and Privacy Officer at Restaurant Brands International, Inc., Chief Privacy and Compliance Officer at Constella Intelligence, Inc. a global leader in the field of digital risk protection, Global Chief Privacy Officer at Facebook, and Director of International Privacy and Human Rights at Yahoo! where she also held other roles, such as Director of General Counsel at Yahoo! Spain.
Last updated: February 2025
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 and has an MBA from the Kellogg School of Management, Northwestern University.
She is currently the director of Digital Transformation and Advanced Analytics at CaixaBank, sits on the CaixaBank Management Committee, is a Director of CaixaBank Tech, S.L.U., a director of Imaginersgen, S.A. and president of CaixaBank Advanced Business Analytics, 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: February 2025
(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.
Sarah Harmon, born in Florida (USA), has been a director of CaixaBank Payments & Consumer since March 2021.
She holds a degree in Journalism from the University of Kansas, Lawrence (USA), and a Master's in Business Administration from the University of North Carolina, Chapel Hill (USA).
She is currently also a director at Sngular People, 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, 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 General Director of Habitíssimo, a member of the Board of Directors of Sngular, a member of the Board of Directors of Renta 4 Banco, S.A., president of its Appointments and Compensation Committee, and a member of its Audit and Control Committee. She was also a partner and deal leader at Go Beyond Investing, Country Manager for LinkedIn in the Iberia region — where she spearheaded commercial actions, and she led LinkedIn's Women’s Initiative from 2017 to 2018 — and Director of Business Development at Microsoft.
Last updated: February 2025
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 Science from the Complutense University of Madrid, a Master's in Business Administration from the School of Business at the University of Navarra (IESE), and is a certified insurance broker.
Previously, he was a director, chairman and member of the Audit and Risk Committee, as well as a member of the Appointment and Remuneration Committee at CaixaBank Consumer Finance, E.F.C., S.A. He was also a director, chairman and member of the Appointment and Remuneration Committee, and a member of the Joint Audit Committee at CaixaBank Payments, E.F.C., E.P., S.A. Additionally, he served as chairman and CEO of American Express Spain, deputy chairman of Commercial Strategy, European Telephone Channel, director and chairman of the Risk and Outsourcing Committees, and General Manager of the Spain division of American Express Payments Services Limited. He was also a board member of Easy Payment Gateway, an investee of Comercia Global Payments.
Last updated: February 2025
Laura González-Estéfani, born in Madrid, has served as 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 completed the Managerial Development Programme at the Vlerick Business School (Ghent, Belgium).
She is currently the founder, CEO and General Partner of TheVentureCity, a global technology investment fund created by founders and executives of international technology companies. With a portfolio of more than 120 companies, it focuses on infrastructure for fintech/payments, health tech/biotech, energy and e-commerce, and it has offices in Madrid, Miami, San Francisco and São Paulo. She also sits on the Advisory Board of the Centre for Technological Development and Innovation (CDTI).
Henry Crown Fellow of the Aspen Institute 2022, she supports global entrepreneurship through various platforms, including as a board member of the European Commission's European Innovation Council, Babson College WinLab, the Stanford LBAN programme, and as a mentor and panelist for Endeavor. She has also been an angel investor since 2000, with a personal portfolio of more than 40 companies.
She previously worked for the Siemens Group, for eBay Spain, opened Facebook in Spain and in several European countries in 2008, and moved to Silicon Valley as head of LATAM in Growth, Mobile & Partnerships.
Last updated: February 2025
(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.
Rita Almela, from Barcelona, has served as a director of CaixaBank Payments & Consumer since November 2019.
She holds a degree in Economics from the University of Barcelona (EUS Programme) and an Executive MBA from the University of Navarra Business School (IESE).
She is currently a partner and founder of World Trade Center Barcelona and founding partner of 101 Venture Builder, S.L., which creates and invests in technology companies in sectors such as health, the environment and training, among others. She also invests in and advises various digital and tech startups. 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: February 2025
José Manuel Gabeiras, born in Ferrol (La Coruña), has been a director of CaixaBank Payments & Consumer since September 2019.
He has a degree in Mathematical Statistics from the Complutense University of Madrid (UCM) and a degree in Civil Engineering from the Technical University of Madrid. Civil servant, certified statistician.
He was previously a member of the Board of Directors of CaixaBank Payments, EFC EP, S.A., a member and chairman of the Joint Audit Committee, and a member of the Appointment and Remuneration Committee. He was also a director of NovaGalicia Banco, where he sat on its Executive Committee and the Appointments and Remuneration Committee. He was also Chairman of Servired and Chairman of Sermepa, a director of Visa Europe, member of the Executive Committee, and member of the Audit, Risk and Finance Committee. He has also held leadership and presidency positions in recognised entities, like SEMP and Visa International, and served as CEO of the Credit Agricole financial group.
Last updated: February 2025
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 Science from the Complutense University of Madrid, a Master's in Business Administration from the School of Business at the University of Navarra (IESE), and is a certified insurance broker.
Previously, he was a director, chairman and member of the Audit and Risk Committee, as well as a member of the Appointment and Remuneration Committee at CaixaBank Consumer Finance, E.F.C., S.A. He was also a director, chairman and member of the Appointment and Remuneration Committee, and a member of the Joint Audit Committee at CaixaBank Payments, E.F.C., E.P., S.A. Additionally, he served as chairman and CEO of American Express Spain, deputy chairman of Commercial Strategy, European Telephone Channel, director and chairman of the Risk and Outsourcing Committees, and General Manager of the Spain division of American Express Payments Services Limited. He was also a board member of Easy Payment Gateway, an investee of Comercia Global Payments.
Last updated: February 2025
She is currently the founder of Global Privacy & Policy Consulting, LLC, a consulting firm specialising in strategic privacy, AI governance and digital ethics. She also participates as a mentor and advisor in different entities: Women in AI Governance, as a member of its board; The Ethical AI Governance Group, being part of its advisory board; TheVentureCity, 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 the Vice President and Privacy Officer at Restaurant Brands International, Inc., Chief Privacy and Compliance Officer at Constella Intelligence, Inc. a global leader in the field of digital risk protection, Global Chief Privacy Officer at Facebook, and Director of International Privacy and Human Rights at Yahoo! where she also held other roles, such as Director of General Counsel at Yahoo! Spain.
Last updated: February 2025
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 in Financial Economics from ESADE, and completed the Management Development Programme at the School of Business of the University of Navarra (IESE).
He is currently a director, Chief Retail Lending Officer of CaixaBank, a director of Telefónica Consumer Finance and director of Telefónica Renting.
Previously, he was a director of CaixaBank Consumer Finance, E.F.C., S.A., and a member of its Audit and Risk Committee; a director of CaixaBank Operational Services; a director and deputy chairman of CaixaBank Titulización, S.G.F.T., S.A.; a director of Caixa Capital Biomed, S.C.R., S.A.; a director of Tenedora de Vehículos S.A.; and a director of Edicions 62. He was also the Executive Director of Credit and Operational Risk at CaixaBank, Director of the Risk Policies and Infrastructure Department at CaixaBank, as well as CEO of CaixaRenting and Director of Consulting and Organisation at CaixaHolding .
Last updated: February 2025
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:
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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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