Rafael Morales is currently a Senior Manager of Operational Excellence & Change Delivery at Abu Dhabi Commercial Bank, where they drive transformation initiatives. With extensive experience in financial services, they have previously held key roles such as Operational Excellence Manager at Banco Cuscatlán El Salvador and Senior Manager at Capgemini. Their earlier positions include Credit and Collections Lead at Panasonic El Salvador and Sales Projects Lead at Industrias Cristal de Centroamerica. Rafael holds a Master's degree in Finance and Banking Risks and an MBA with a concentration in Finance and Economy, along with various certifications in operational excellence.
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