Prepared by Marcos T. Alvarez, MBA

MBA graduate in Finance in the Rotman School of Management in Toronto, Canada and graduate of economics at Universidad Catílica Andrés Bello in Caracas, Venezuela. He is currently a credit manager for reinsurance portfolio of TD Securities. He has worked in the area of ​​risk management in the Scotiabank and corporate insurance underwriting (Property & Energy) in AIG. He specializes in counterparty credit risk, financial statement analysis, catastrophic and terrorism insurance subscription. He has experience in anti-money laundering for institutional clients in Canada, Latin America and the Caribbean. He belongs to several professional organizations in risk, including GARP and PRMIA. He is an international speaker in the topics of risks, fraud, money laundering, insurance, banking and capital markets, among others.