Mauricio Gonzalez, PhD, currently serves as the Head of Review Function Europe at EthiFinance, overseeing the alignment of rating models and methodologies with European Securities and Markets Authority (ESMA) standards. Prior to this role, Mauricio was a Quant Researcher at EthiFinance, focusing on hedging solutions for regulated savings accounts. Previous experience includes serving as an R&D Engineer at CentraleSupélec, where machine learning algorithms were developed for electrical network time series, and conducting research for a PhD in Informatics - Applied Mathematics at the Centre national de la recherche scientifique, emphasizing stochastic systems optimization. Additional roles include working as a Quantitative Analyst at Stratagemma Group, analyzing time series for automated trading strategies, and as a Teaching Assistant at Universidad Diego Portales. Mauricio's educational background includes multiple master's degrees and a PhD from ENS Paris-Saclay, complemented by a strong foundation in mathematics and engineering from various institutions, including Universidad de Santiago de Chile.