Jose Espinosa has extensive experience in the financial sector, currently serving at BBVA since August 2004 in various roles, including Planning Manager for Retail Banking and responsibilities in financial management, balance analysis, and legal risk control. Previously, Jose held the position of Vice President at Deloitte from August 2003 to August 2004 and worked as a Técnico at Arthur Andersen from December 2000 to August 2003. Academically, Jose holds a Master in Financial Risk Management from Instituto BME (2007-2008) and a Licenciado in Business Administration from CUNEF Universidad (1994-2000), complemented by foundational education at Colegio Alemán de Madrid from 1981 to 1994.
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