Alvaro Cumsille Capponi currently serves as Gerente de Riesgo Empresa - Gestión Activos Especiales at Banco de Chile, overseeing the management of distressed portfolios, asset sales, and collection risks for retail banking. Prior to this role, Alvaro held various leadership positions at Scotiabank, including Director of Operations for Retail & SMEs, where responsibilities encompassed mortgage operations, credit control, payment methods, insurance, treasury, and exchanges, along with managing collections as Gerente General of the Centro de Recuperación y Cobranza. Alvaro's earlier experience includes serving as Subgerente de Recuperaciones at BBVA, where oversight of all collection levels and credit risk management was crucial, and as Abogado Jefe Judicial, managing the legal aspects of the bank's judicial portfolio. Alvaro began a legal career at Banco Santander Chile, focusing on irregular credit management and legal advisory for various banking sectors. Alvaro earned a law degree from Pontificia Universidad Católica de Chile and a Master's in Business Law from Universidad Adolfo Ibáñez.
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