P.h.D Daniel Caridad López del Río

Daniel Caridad is Doctor of Legal Sciences and Economics at Cordoba University with “Risk Assessment Models” with honors (cum laude). With more than 14 years of experience, he has worked in Santander Group and currently as corporate responsible of Garanti Bank wholesale credit risk at Global Risk Management in BBVA Group. Coordinator of the Master's Degree in Sustainable Finance Management.

Brief Description

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.

In the area of ​​teaching, he is a professor and director at different 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 various 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 Alumni Centro de Estudios Garrigues.

Education

  • Degree in Business Administration and Management from CUNEF (2003).
  • Degree in Actuarial and Financial Sciences from Complutense University of Madrid (2010).
  • Master's in Banking and Finance from Centro de Estudios Garrigues (2004).
  • Executive Master's in Quantitative Finance from Financial Analysts International -AFI- (2013).
  • PhD courses in Economic Sciences from University of Cordoba (2005).
  • International doctoral thesis in Economic Sciences "Risk Valuation Models" from University of Cordoba (2015).
  • Data Fundamentals Specialist Certification from BBVA/IBM.

Areas of Interest

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

Biography

Daniel Caridad López del Río, Ph.D., has balanced his professional career in banking with teaching. In banking, with more than 14 years of experience, he has worked as a risk specialist consultant in Santander Group and currently as corporate responsible of Garanti Bank wholesale credit risk at Global Risk Management in BBVA Group.

In the area of ​​teaching he is also collaborating in different universities and business schools such as: CUNEF (professor at Master Universitario en Instituciones y Mercados Financieros and specialist Training in Avalmadrid); Centro de Estudios Garrigues (Collaborator and Professor at Máster de Banca y Finanzas); IEB (Teacher at Master Corporate and Investment Banking, Curso de Especialista de Riesgo de Crédito and Director Member in Master’s Thesis), CEREM (Professor at MBA and Master Dirección Financiera); UNIR (Director at MBA’s Thesis and Professor at Executive Master in Bank and Finance; and Director Member of Master’s Thesis); UCO (Collaborator at reports related with statistics, bank and economy); ICEX-CECA (Collaborator at training and round tables); EALDE (Professor at MBA, Máster Banca y Finanzas and Máster Riesgos).

He is also author of different books related to economics and statistics, as well as publications in different national and international journals like Asocia, University of Córdoba, University of Ostrava, International Journal of Scientific Management and Tourism.

Finally, he is a member of the research group SEJ 281 at Plan Andaluz de Investigación and member of the Board of Directors of Asociación de Antiguos Alumnos at Centro de Estudios Garrigues.

Professional Career

  • Tressis Valores Agency (2004-2004): Financial Analyst. Financial-Fiscal Advisory for private banking clients. Analysis and writing of financial reports.
  • Santander Group (2004-2007): Senior Credit Risk Auditor. Consumer risk consulting in London at Abbey National Bank. Study of the risk department structure: admission, monitoring, and recoveries. Process audit, Sarbanes-Oxley Law, at Banco de Estado de Sao Paulo -BANESPA- and in different group companies. Credit risk analysis audit and scoring tools. Adaptation to the Basel II regulations and risk parameter estimation at Abbey National Bank and Banesto banks.
  • BBVA Group (2007-2022): Risk Product Head ARCE and Wholesale Program Manager. Since 2018, responsible for wholesale risk products strategy and Program Manager for wholesale projects, with AGILE methodology and different multi-disciplinary and multi-geography teams, with more than 60 people under my responsibility in these projects: definition of credit risk wholesale strategy; participation in area management committees; coordination with Advance Analytics and GPM teams for IRB model optimization and 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 Companies, Corporates, Financial Institutions, Public Administrations, Promoter, and Project Finance portfolios in all geographies (CIB, Spain, Mexico, Turkey, Peru, Colombia, Argentina, Uruguay, and rest).
  • UC3M, UNIR, CEREM, UCO, EALDE, EAE, University of Bari, and ICEX/CECA (2009-2022): Professor of: Statistics, Finance, Insurance, Banking Regulations, Creativity, Econometrics-Statistics, and Excel applied to statistics. Director and member of master's degree final project committees.
  • CUNEF, Centro Estudios Garrigues, IEB, AFI, and CMI: - Professor of: Credit Risk (admission, monitoring, regulations), Market Risk, Corporate and Investment

Publications

Articles in Research Journals

  • Journal at Universidad de Córdoba: The Spanish economy in the UE (2006)
  • Journal at Universidad de Ostrava: The case of water consumption forecasting (2010).
  • Journal at International Journal of Scientific Management and Torusim: Estudio econométrico, reestructuración del sistema financiero: análisis de las entidades participantes, fusionadas y nacionalizadas (2013).
  • Journal at Revista International Journal of Scientific Management and Torusim: Proceso de reestructuración bancaria: análisis de las entidades que participan como absorbentes o absorbidas (2014).
  • Journal at Revista Universidad Ostrava AIESA: Bank restructuring process: marginal effects in a multivariate model (2015).

Books

  • Análisis de Datos en las Ciencias Sociales (2009, 5ª edición). ISBN 978-84-95723-57-4.
  • Bioestadística (2009) ISBN 978-87-95723-55-0.
  • Estadística Básica e Introducción a la Econometría (2009 4ª edición) ISBN 978-84-95723-56-7.
  • Estadística aplicada en las ciencias sociales (2010 3ª edición) ISBN 978-84-95723-59-8.
  • Series Temporales y Predicción Económica (2014) ISBN 978-84-95723-65-9.
  • Estadística Descriptiva y Probabilidad (2015 3ª edición y 2016 4ª edición) ISBN 978-94-16017-39-3 y ISBN: 978-84-16017-81-2.
  • Estadística Avanzada (2014 y 2017) ISBN 978-84-95723-63-5 y ISBN: 978-84-16017-87-4.

Research Documents

  • Auto sector framework at BBVA (2008-2014).
  • Utilities sector framework at BBVA (2017-2018)
  • Case of Study Fiat Chrysler Automobile at IEB (2013).
  • Case of Study Continental at IEB (2015).
  • Case of Study Volkswagen at IEB (2017).

Articles

  • Journal Asocia Garrigues: Un año después (2006).
  • Journal Asocia Garrigues: La auditoría interna (2006).
  • Journal Asocia Garrigues: Ley SOX: ¿Respuesta ante fraudes contables o motivo disuasorio para cotizar en Wall Street? (2007).
  • Journal Asocia Garrigues: Un paseo concluyente por Basilea (2008).
  • Journal Asocia Garrigues: Las agencias de calificación crediticia (2012).
  • Journal Asocia Garrigues: El sector bancario en la nueva Edad Digital (2018).

Contributions to Congresses

  •  XXI Hispano-Lusas Conference on Scientific Management with “Risk management in the distribution processes” (Córdoba 2011)
  • Strategic Management and its support by information systems with “Automatic identification of ARIMA models: the case of wáter comsuption forecasting” (Czech Republic 2013)
  • Center for Economic and Commercial Studies -CECO- with "Analysis and Assessment of Economic and Financial Risk" (Madrid 2013)
  • ICEX Madrid with "Practical aspects in the promotion of foreign investment" (Madrid 2016)
  • Participation as a panelist in the Social Responsibility Week (2021).

Interviews in the media:

  • “5G Technology” (revistavirtualpro.com)
  • “Orange Economy” (dinero.com)
  • Participation in the radio program “Al mesa” of Dinero magazine,
  •  “Sustainable finances” (co-responsible.com).