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Dr. Daniel Caridad López del Río

PhD in Legal and Economic Sciences

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Introduction

PhD in Legal and Economic Sciences from the University of Córdoba with the thesis “Risk Assessment Models”, awarded Cum Laude with Distinction. He has more than 14 years of experience in banking, has worked in the Santander Group and is currently Head of Corporate Risk at Garanti Bank in Global Risk Management at the BBVA Group. Specialisation in Big Data. Coordinator of the Master’s in Sustainable

Dr Daniel Caridad López del Río has balanced his professional career in banking with teaching. In banking he has worked as a risk consultant at the Santander Group and currently as Risk Product Head of ARCE and Wholesale Program Manager in the Risk Solutions Group department at the BBVA Group.
Profile

In the field of teaching he is a lecturer and director at various universities and business schools such as CUNEF, UC3M, Centro de Estudios Garrigues, IEB, CEREM, EALDE and CMI Business School.

In addition, he is the author of various books related to economics and statistics, as well as publications in different national and international journals (Asocia, University of Córdoba, University of Ostrava, International Journal of Scientific Management and Tourism, Dinero.com…).

He is a member of the board of Citizens Standards, European Business School and of the Alumni Board of Centro de Estudios Garrigues.

Education

  • Degree in Business Administration and Management from CUNEF (2003).
  • Degree in Actuarial and Financial Sciences from Universidad Complutense de Madrid (2010).
  • Master’s in Banking and Finance from Centro de Estudios Garrigues (2004).
  • Executive Master’s in Quantitative Finance from Analistas Financieros Int. -AFI- (2013).
  • Doctoral courses in Economic Sciences from University of Córdoba (2005).
  • International PhD in Economic Sciences “Risk Assessment Models” from University of Córdoba (2015).
  • Data Fundamentals Specialist Certification from BBVA/IBM.

Areas of Interest

  • Sustainable finance
  • Big Data, data analysis
  • Credit Risk
  • Statistics
  • Market Risk
  • Corporate and Investment Banking

Professional Experience

-Tressis Agencia de Valores (2004-2004): Financial Analyst. Financial and tax advisory for private banking clients. Analysis and drafting of financial reports.

-Santander Group (2004-2007): Senior Credit Risk Auditor. Consumer risk consultancy in London at Abbey National Bank. Study of the structure of the risk department: underwriting, monitoring and recoveries. Process audit, Sarbanes-Oxley Act, at Banco de Estado de Sao Paulo -BANESPA- and at various group companies. Audit of credit risk analysis and scoring tools. Adaptation to Basel II regulations and estimation of risk parameters at Abbey National Bank and Banesto.

-BBVA Group (2007-2022): Risk Product Head ARCE and Wholesale Program Manager. Since 2018, responsible for wholesale risk product strategy and Program Manager of wholesale projects, using AGILE methodology and various multi-disciplinary and multi-geographical teams, with more than 60 people under my responsibility in these projects: definition of wholesale credit risk strategy; participation in the area’s steering committees; coordination with Advance Analytics and GPM teams to optimise IRB models and ensure regulatory compliance; participation in the design of new engines and algorithms: Rating System, Limit Advisor, Early Warning System; global responsibility for wholesale risk projects in the portfolios of Companies, Corporates, Financial Institutions, Public Administrations, Real Estate Developers and Project Finance across all geographies (CIB, Spain, Mexico, Turkey, Peru, Colombia, Argentina, Uruguay and others).

-UC3M, UNIR, CEREM, UCO, EALDE, EAE, University of Bari and ICEX/CECA (2009-2022): Lecturer in: Statistics, Finance, Insurance, Banking Regulations, Creativity, Statistics-Econometrics and Excel applied to statistics. Director and member of master’s final project examination boards.

-CUNEF, Centro de Estudios Garrigues, IEB, AFI and CMI: – Lecturer in: Credit Risk (underwriting, monitoring, regulations), Market Risk, Corporate and Investment Banking, Big Data applied to finance, Actuarial Risk Management, and Responsible Finance. Director and member of master’s project/thesis examination boards. Coordinator of the Master’s in Responsible Finance at CMI Business School.

Research Journal Articles

  • “Un año después” (Asocia Garrigues); “La auditoría interna” (Asocia Garrigues)
  • “Ley SOX: ¿Respuesta ante fraudes contables o motivo disuasorio para cotizar en Wall Street?” (Asocia Garrigues)
  • “Un paseo concluyente por Basilea” (Asocia Garrigues)
  • “Las agencias de calificación crediticia” (Asocia Garrigues)
  • “El sector bancario en la nueva Edad Digital” (Asocia Garrigues)
  • “Estudio econométrico, reestructuración del sistema financiero: análisis de las entidades participantes, fusionadas y nacionalizadas” (International Journal of Scientific Management and Tourism)
  • “Proceso de reestructuración bancaria: análisis de las entidades que participan como absorbentes o absorbidas” (International Journal of Scientific Management and Tourism)
  • “La influencia de la crisis financiera en la eficiencia de los mercados Lationamericanos: un análisis empírico” (Espacios)
  • “Una visión 360º del 2020” (revista Gestión Digital Ecuador)
  • “La sostenibilidad, una estrategia por las que las industrias deben apostar” (Gestión Digital)
  • “Moody’s Ratings Statistical Forecasting for Industrial and Retails Firms” (revista MDPI -economies)
  • “Moody’s Ratings Statistical Forecasting for Industrial and Retail Firms” (revista MDPI -economies).
  • Revista Universidad Ostrava AIESA: Bank restructuring process: marginal effects in a multivariate model (2015).
  • “The Spanish Economy in the UE” (Universidad de Córdoba)
  • “The case of water consumption forecasting” (Universidad de Ostrava)
  • “Bank restructuring process: marginal effects in multivariable model” (Universidad de Bratislava)
  • “Caso práctico Fiat Chrysler Automobile” (IEB)”
  • “Caso práctico Continental” (IEB)
  • “Caso práctico Volkswagen” (IEB)
  • “Caso práctico Pfizer” (IEB)
  • “Caso práctico Stellantis” (IEB).

Books

  • Estadística Avanzada (2022, 6ª edición) ISBN: 978-84-19070-05-0
  • Estadística Descriptiva y Probabilidad (2015 3ª edición) ISBN 978-94-16017-39-3
  • Series Temporales y Predicción Económica (2014) ISBN 978-84-95723-65-9
  • Estadística Avanzada (2014) ISBN 978-84-95723-63-5
  • Estadística aplicada en las ciencias sociales (2010 3ª edición) ISBN 978-84-95723-59-8
  • Bioestadística (2009) ISBN 978-87-95723-55-0
  • Estadística Básica e Introducción a la Econometría (2009 4ª edición) ISBN 978-84-95723-56-7
  • Análisis de datos en las ciencias sociales (2009 5ª edición) ISBN 978-84-95723-57-4

Chapters

Aportaciones a congresos:

  • XXI Jornadas Hispano-Lusas de Gestión Científica con “Risk management in the distribution processes” (Córdoba 2011)
  • Strategic Management and its support by information systems con “Automatic identification of ARIMA models: the case of wáter comsuption forecasting” (República Checa 2013)
  • Centro de Estudios Económicos y Comerciales -CECO- con “Análisis y Valoración de Riesgo Económico y Financiero” (Madrid 2013)
  • ICEX Madrid con “Aspectos prácticos en la promoción de la inversión extranjera” (Madrid 2016), y participación como panelista en la Semana de la Responsabilidad Social (2021).

Entrevistas en medios de comunicación:

  • “Tecnología 5G” (revistavirtualpro.com)
  • “Economía Naranja” (dinero.com)
  • Participación en el programa de radio “Al tablero” de la revista Dinero
  • “Las finanzas sostenibles” (corresponsables.com).
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