Esther Espinosa Gil

- Supervised MIFID Transaction Reports: monitored and evaluated all transaction reports from the Spanish Investment Firms. - Assessed the Transaction Reports and other documentation sent by Obligated Companies to determine if there has been any mispricing or market failures. - Send relevant information to other European Competent Authorities as and when required. - Participated and helped on the development of new legislation carried out by different Working Groups on ESMA, related with the Market Abuse.

- Advised on banking accounting and financial concerns, related to European Directives or national legislation. - Developed projects allied with the requirements established by new laws and diagnosed the potential impact on the bank´s profits and solvency. - Responded to all the information requirements received by the European Banking Authority.

- Collected and analysed required financial information sent by Foreign Exchange Companies. - Developed a new web project to allow the Companies to send the information online. - Coordinated the areas involved in the project. - Tested new web environments and new internal devices.

- Administered risk database of national, natural and legal person´s loans. - Recorded new loan risks on the database in order to update the information. - Assigned a unique identification code to all foreign borrowers.

- Marketed and guided potential mortgage holders. Evaluated the personal conditions and drafted a previous statement about the suitability of the potential mortgager. - Telesales operator: counselled a wide variety of banking products like savings accounts or investment funds, among others.

Recovered loan defaults by telephone or personal meetings with the debtor.

- International and National Financial Accounting, - European Financial System, Financial and Commercial Laws, - Financial Math and Statistics and - Economic English.

Financial Management