Legal Representatives

Gloria Couceiro Justo – Chief Executive Officer

Age Range: 50 – 60 years

Holding a degree in Economics and Business Administration from the Instituto Católico de Administración y Dirección de Empresas (ICADE), she brings a 27-year career within the BBVA Group, which she joined in 1999 as an Equity Analyst. Subsequently, she held various leadership positions in the Finance division, including Investor Relations, and since 2021 served as Global Head of Financial Planning, Capital, Profitability, and Cost & Investment Management. She currently serves as Chief Executive Officer of BBVA Colombia.
 

Juan Maria Canel - Executive Vice President of the Financial Area

Age Range: 35 – 45 years old

With over 17 years of experience in the financial industry, he has developed a solid and diverse career in key markets such as Brazil, Spain, Argentina, and Colombia, also participating in strategic projects in other countries in Europe and Latin America. His experience spans areas such as Strategy, Finance, Risk, and Business, including Commercial Banking, Payments, and Treasury. A certified public accountant by training, he holds a Master's degree in Finance, CFA certification, knowledge of data analysis, and leadership skills acquired at institutions such as Harvard Business School. He has held senior positions in renowned financial institutions, including CFO at Itaú Colombia and executive roles at Santander in various regions.

Olga Lucía Calzada Estupiñan – Executive Vice President of Legal Services and General Secretary

Age Range 45 – 55 years old

Lawyer graduated from the Faculty of Law and Legal Sciences at the “Universidad Nacional de Colombia”, with a specialization in Financial Legislation from the “Universidad de los Andes”. With over 25 years of experience, she has held roles such as General Secretary and Legal and Compliance Vice President at Bancamía S.A., Head of the Special Legal Advisory Area at BBVA Colombia, Legal Vice President and General Secretary at Banco Granahorrar S.A., General Secretary at the “Fondo de Garantías de Instituciones Financieras” (FOGAFIN), and Legal Director at the same entity. She has also served as an advisor at the Ministries of Justice and Law, and Finance and Public Credit, and has been a board member of various financial entities. Currently, she serves as the Executive Vice President of Legal Services and General Secretary.
 

Alberto Parra Alonso – Executive Vice President, Talent and Culture

Age Range 55 – 65 years old

Professional in Business Science from the Vicalvaro University; with courses in Development in Management from the IESE and Coaching from the “Escuela Europea de Coaching”, Madrid. He has more than 22 years of experience in personnel management in the BBVA Group, where he has served as Personnel Manager and Human Resources Manager Spain and Portugal in BBVA Madrid. Additionally he has served as Talent and Culture Director. Since 2019 to February 2023, he was Vice President of Talent and Culture in Uruguay. He currently serves as Talent and Culture Vice President in BBVA Colombia.

Pablo Andrés García – Executive Vice President of the Risk Area

Age Range 35 – 45 years old

Bachelor's degree in Economics, a Master's in Finance from Universidad del Salvador in Buenos Aires, Argentina, and an MBA in Finance from New York University. He has over 20 years of experience, having worked at Lloyd’s Bank TSB Bs As Argentina as a Retail and SME Business Officer, managing commercial relations with clients. Pablo joined the BBVA Group in 2005 at BBVA Argentina in Global Risk Management. He also worked for a year at BBVA Spain as a participant in the comprehensive credit risk and global management training program at the School of Finance. He returned to Argentina as a Senior Retail Risk Analyst. In 2010, he moved to Spain as the Global Risk Management officer for South America. In 2017, he worked in Peru as the Global Risk Management - Risk Manager. In 2021, he was appointed Chief Risk Officer at BBVA Forum Financial Services.
 

Sergio Andrés Lizarazo Lizarazo - Executive Vice President of Enterprise and Government Banking

Age Range 35 – 45 years old

Economist from Universidad de Los Andes, with a master’s in administration from Universidad Ecesi and Master of Management Tulane University. With more than 10 years of experience in the financial sector where he has held positions as Account Manager at Corpbanca Bank; Relationship Manager at Citibank, Segment Leader at Scotiabank and is currently the Director of Corporate Banking at BBVA Colombia.
 

Maria Catalina Laurens Acevedo -  Executive Vice President of Corporate Investment Banking

Age Range: 45 - 55 years old

María Catalina is a professional with over twenty years of experience in international banking. She has held leadership positions at institutions such as Banco Santander, where she was responsible for CIB Colombia, in addition to other senior roles at HSBC and Citibank Colombia. She currently serves as Vice President of Corporate Investment Banking at BBVA Colombia.

Sergio Miguel Rojas Munita – Executive Vice President of Retail Banking 

Age Range: 55 – 65 years

Agricultural Engineer with a specialization in Economics from Universidad de Concepción (Chile), holds a Master’s degree in Financial Management from Universidad Adolfo Ibáñez (Chile) and a Master’s degree in Fintech and Digital Financial Services from IEBS Business School (Spain). He brings extensive experience in the financial sector, having held positions such as Assistant Manager of Middle Market Retail Banking at Itaú, Retail Banking Manager at Itaú, and Vice President of the Branch Network and Private Banking at the same institution. He currently serves as Executive Vice President of Retail Banking at BBVA Colombia.
 

Katherine Duque Quiroga - Executive Vice President of Engineering 

Age Range: 40 - 50 years 

Systems and Computer Engineer graduated from Universidad del Quindío, holding a specialization in Engineering Management Systems from Pontificia Universidad Javeriana. She brings over 17 years of experience leading technological transformation processes in the financial sector. Throughout her career, she has held leadership positions at Scotiabank Colpatria and BBVA Colombia, directing initiatives in digital innovation, banking modernization, artificial intelligence, and financial business evolution. She currently serves as Executive Vice President of Engineering at BBVA Colombia.
 

Rubén Darío Núñez Mejía - Director of Premises & Services

Age Range 45 – 55 years old

Industrial Engineer from Universidad América, with specializations in Management Systems Engineering from Universidad Javeriana, Finance, and Capital Markets from Universidad del Rosario, and a master’s degree in business administration from Universidad Sergio Arboleda. With over 29 years of experience in the financial sector, he joined BBVA Colombia in 2001, where he has served as Manager of Control and Compensation, Manager of Employee Management, and currently as Director of Premises & Services.

Alexandra Romero Romero – Compensation and Benefits Director

Age Range 45 – 55 years old

Psychologist holding a Master’s Degree in Business Administration (MBA) from Universidad Sergio Arboleda and Northern Illinois University. She brings over 30 years of experience in Human Resources processes. Since 2010, she has been with BBVA Colombia, where she has served in various roles within the Talent & Culture Executive Vice Presidency.
 

Ronal Edgardo Saavedra Tamayo – Chief Operating Officer

Age Range 45 – 55 years old

Business Administrator, graduated from Universidad Jorge Tadeo Lozano, with a master’s degree in business from Universidad Sergio Arboleda - Prime Business School (in process of graduation). He has extensive experience in BBVA in his 23 years of work; he has led in the Credit Factory of Individuals and operational processes in the last 5 years and currently serves as Director of Operations.

Pedro Antonio Díaz Sáenz - Legal Director Banking Business

Age Range 55 – 65 years old

Master’s Degree (LL.M.) in Justice and Protection of Rights with an emphasis in Procedural Law from Universidad Externado de Colombia, holding specializations in Financial Law and Procedural Law from Universidad del Rosario. Lawyer graduated from the Faculty of Law and Political Science at Universidad Nacional de Colombia, and certified Conciliator by the Ministry of the Interior and the Bogota Chamber of Commerce. He brings over 25 years of experience as a lawyer in multinational financial institutions, having served in various positions such as Principal and Alternate Member of several Boards of Directors, Legal Counsel at Banco Andino, Legal Counsel to the Executive Presidency at Fiduciaria Ganadera, and Commercial Vice President at the same entity. Since 2003, he has served as Director of Legal Advisory for Banking Business at BBVA Colombia, providing specialized legal advice in corporate, business, commercial, financial, fiduciary, and investment banking law. He is a lawyer with a strong emphasis on business leadership and management, backed by training in Value-Based Leadership programs at Campus BBVA in alliance with Axialent Conscious Business, People Excellence, Leadership at the Center for Creative Leadership, Executive Management Program at ISSE - Universidad de Navarra, and the Introduction to Business Management Program at INALDE - Universidad de la Sabana. He currently serves as Director of Banking Business at BBVA Colombia.

Néstor Orlando Prieto Ballén - Legal Director of Litigation

Age Range 55 – 65 years old

Lawyer graduated from Universidad Libre, holding specializations in Procedural Law and Civil Law from Universidad del Rosario, along with executive diplomas and coursework in Senior Management from INALDE and a certification in Conciliation from the Bogota Chamber of Commerce. He holds a Master's Degree (LL.M.) in Commercial Law from Universidad Externado de Colombia and is currently a Doctoral Candidate in Law and Philosophy. He is a member of the Colombian Institute of Procedural Law and a University Professor. With extensive experience in the financial sector, he has served as Legal Counsel at Corporación de Ahorro y Vivienda Las Villas, Banco Industrial Colombiano (subsequently merged into Bancolombia), and Legal Counsel at Bancolombia. He currently serves as Director of Judicial Proceedings at BBVA Colombia.

William Fredy Rincón Vargas - Director of Legal Services CIB & Treasury

Age Range 55 – 65 years old

Lawyer graduated from Universidad Nacional de Colombia, with specialization in Financial Law from Universidad de los Andes and in Commercial Law from Universidad Javeriana. He has extensive professional experience in the financial, commercial and stock market sectors, in the areas of banking, investment banking, capital markets, treasury, public securities market and corporations.

Alejandra Raquel Llerena Polo – Director of Labor Law Counsel

Age Range 45 – 55 years old

Lawyer graduated from Universidad Externado de Colombia, holding specializations in Labor Law and Industrial Relations at the same institution, and in Commercial Law from Universidad Santo Tomás. She holds a Master's Degree in International Human Rights Protection, Public Policies, and Sustainability. With over 25 years of experience providing legal advisory services for Talent & Culture, her professional background includes serving in the Judicial Branch at Circuit Courts in Bogota; as Legal Advisor on labor matters at Banco Central Hipotecario in Liquidation; as Human Resources Professional at  SENA; as Partner at the law firm Valdés & Rocha Abogados Laboralistas; and as Head of Labor Relations at Caja de Compensación Familiar Colsubsidio. She joined BBVA as Legal Advisory Director for Labor Matters and currently serves as Labor Relations, Health and Labor Well-Being Director at BBVA Colombia.

John Jairo Martínez Gómez – Markets Administrator

Age Range 45 – 55 years old

Public Accountant from Universidad Santo Tomás specialized in Finance and Capital Markets at Universidad de La Sabana, with extensive experience and knowledge in the management of fixed income and derivatives portfolio valuation, accounting and investment regulations, derivatives, own position in foreign currency and treasury operational controls. He has served as Head of the Valuation Operations Department - Treasury Operations, Accounting Coordinator of the Murex Project, Accounting Coordinator of Investments, Derivatives and Foreign Currency at Banco Davivienda. Currently, he is the Manager of Market Administration.

Diego Felipe Riveros Riveros – Head of Wealth Management

Age Range 45 – 55 years old

Industrial Engineer from Universidad de Los Andes, with a specialization in Finance and a master’s degree in administration from the same University. He has more than 20 years of experience in the financial sector, where he has served as Quality Manager, Operations Manager, Foreign Product Manager, Investment Manager, Vice President of Investments, Vice President of Wealth Management and Vice President of Wealth and Insurance at Citibank Group; at Scotiabank Colpatria he was Insurance and Private Banking Manager and at Scotia Securities he was General Manager; again at Scotiabank he was Wealth Management Manager; currently he is the Director of Wealth Management at BBVA Colombia.

Diana Carolina Del Mar Ramírez López – Director of SDA Strategy and Data CIB

Age Range 35 – 45 years old

Economist with master’s in economy from Universidad de los Andes and MBA from London Business School. She has experience in strategic design, asset and liabilities management in financial entities, macroeconomic analysis and economic consultancy to foreign and local investors related to economics and investment strategy. She has extensive experience in the financial sector, where she has hold as Chief of economics research in Santander, Colombia; Financial Institutions Group (FIG) Associate in Santander, New York and LatAm FX strategist in Morgan Stanley in New York. At BBVA Colombia, she served as Market Strategist for Colombia and Peru and Director of Financial Management. She currently serves as Director of SDA Strategy and Data CIB at BBVA Colombia.

Natalia Martínez Simmonds – Head of Global Transactional Banking

Age Range 45 – 55 years old

Business Administration professional from Universidad del Rosario with an emphasis in Finance, she has built a successful career of over 20 years at BBVA, primarily within the Global Transaction Banking team and previously in Global Markets. She currently holds the position of Head of Global Transactional Banking at BBVA Colombia.

Mónica Osorno Chaparro – Director of Institutional Banking

Age Range 45 – 55 years old

Economist graduated from Universidad de Buenaventura, holding a specialization in Finance from Pontificia Universidad Javeriana and an MBA from Universidad Sergio Arboleda. She brings 25 years of experience at BBVA Colombia, where she has served as Executive for Corporate and Institutional Banking and Corporate Banking Manager. She currently serves as Director of Institutional Banking at BBVA Colombia.

July Carolina Miranda Blanco – Tax Management Manager

Age Range 35 – 45 years old

A Certified Public Accountant specialized in tax law from the University of the Andes, she has led teams in accounting and taxation, financial and tax reporting, preparation and submission of financial statements, regulatory reporting, and audit processes. She has expertise in the national tax system, district regulations, and reporting exogenous information for DIAN and UGPP, including compliance with FATCA and CRS regulations.

Claudia Patricia Quiroz Pérez – Director of Supervisor Relations, Strategy, and People

Age Range 45 – 55 years old

An economist with over 20 years of experience in the financial sector, specializing in Internal Control and Operational Risk within business areas and the credit lifecycle for payroll loans. She has expertise in applying agile methodologies for developing projects and initiatives related to product launches, processes, services, third-party management, and operational risk assessment. Additionally, she has experience in documenting control frameworks for various risk types and overseeing regulatory compliance.

Carlos Gabriel García Baena – Director of Business Performance, Profitability & Capital

Age Range 25 – 35 years old

Master’s Degree in Financial Markets from EAE Business School and Universitat Politècnica de Catalunya, and Business Administrator from Universidad EAFIT. He is a Senior Finance Executive with over 13 years of experience in corporate finance, financial strategy, business performance, profitability, capital management, and transformation. Since joining BBVA in 2018, he has led teams and projects in financial planning, data, transformation, strategy, solution development, efficiency, investments, and project management. Previously, he developed his career in the financial and construction sectors. He currently serves as Head of Business Performance, Profitability & Capital at BBVA Colombia, where he supports the strategic definition of the Bank and its business segments, leads financial performance management, and drives decision-making focused on profitable growth, capital optimization, and sustainable value creation.

Mónica Zamudio Medina – Director of Marketing and Digital Sales 

Age Range 35 – 45 years old

Industrial Engineer with a specialization in Strategic Management from Universidad de La Sabana, a Master’s Degree in Mobile Business from the University of Barcelona, and an MBA Candidate at IE Business School in Madrid. She brings over 16 years of experience in the financial sector, having led the comprehensive Retail Banking strategy in Colombia and Central America with a focus on value creation and excellence. She possesses extensive knowledge in marketing and digital banking transformation, having managed credit and deposit product strategies and led key segments such as payroll and high-net-worth clients. She currently leads the Marketing, Digital Sales, Design, and Behavioral Economics department, standing out for her strategic vision and results-driven approach.

Olga Esperanza Serna Ramírez – Legal Representative in her capacity as Director of Investment and Cost

Age Range 35 – 45 years old

A professional in Finance and International Relations from Universidad Externado, with a specialization in Actuarial Science, an MBA in Quantitative Finance and Management from New York University, and currently a candidate for a specialization in Financial and Securities Regulation. She has extensive experience in the financial sector, having held key roles at BBVA Colombia such as Head of Investment and Cost Management and Principal Economist at BBVA Research. She also served at the Financial Institutions Guarantee Fund (FOGAFIN), where she led the Deposit Insurance System and risk assessment areas. Additionally, she has worked at Prudential Financial and the Central Bank of Colombia.

Carolina Galvis – Director of Strategy and Engineering Control 

Age Range 35 – 45 years old

Industrial Engineer, Specialist in Business Administration, and Master’s Degree in Finance, with over 20 years of experience directing financial, technological, and strategic planning strategies in financial and service sector companies. She served as Finance Advisory Manager at Ernst & Young, Financial Planning Manager at Colsubsidio, and Strategic Senior Manager at BBVA Colombia. She currently serves as Strategy and Engineering Control Director at BBVA Colombia and is a Member of the Board of Directors of BBVA Asset Management Sociedad Fiduciaria.
 

Daniel Patrón García - Director of Asset Liability Management (ALM).

Age Range: 35 - 45 years old

Professional in Economics and Industrial Engineering, with a Master’s degree in Finance from Universidad de los Andes. He has more than 14 years of professional experience in the financial market and solid expertise in market management and balance sheet management strategies. He currently serves as the Director of Asset Liability Management (ALM).
 

Juan Fernando Gómez Posada – Head of Global Markets Colombia

Age Range: 50 – 60 years

Business Administrator from Universidad EAFIT, with a specialization in Corporate Finance from "Colegio de Estudios Superiores de Administración" (CESA). He brings capital markets experience from banks such as Citibank, Bancolombia, Banco de Bogotá, and JPMorgan. He currently serves as Head of Global Markets and Treasurer of BBVA Colombia.

Jorge Andrés Murcia Pulido – Director of General Secretariat & M&A

Age Range:: 40 – 50 years

Attorney graduated from Universidad Externado de Colombia, holding a specialization in Financial Law from Universidad de los Andes and a Master's Degree (LL.M.) in Private Law from the same institution. Additionally, he brings extensive experience in the financial sector, having served in positions such as Legal Manager at MC Assets S.A.S. – a Colpatria Group Company, General Secretariat Manager at Scotiabank Colpatria S.A., and AML Compliance Officer & International Operations Leader at Banco Colpatria Cayman Inc. He currently serves as Director of General Secretariat & M&A at BBVA Colombia.