Ramiro Losada has extensive experience in the financial sector and academia. Since November 2005, Ramiro has worked as an Economista at CNMV (Comisión Nacional del Mercado de Valores) and serves as a Miembro of the Portal FinTech. Concurrently, since September 2009, Ramiro has held the position of Profesor Asociado at Universidad Carlos III de Madrid, where Ramiro previously worked as a Teaching Assistant from October 1998 to March 2005. Ramiro holds a Doctor of Philosophy (Ph.D.) in Economics from Universidad Carlos III de Madrid and a Master in Quantitative Finance from Afi Escuela. The foundational education includes a Bachelor of Applied Science in Economics from Universidad del País Vasco/Euskal Herriko Unibertsitatea.