Alvaro Ramos Email and Phone Number

✔ Designed the solution architecture for RDARR implementation in the organization✔ Defined a new version of the data reporting standard covering critical and committee reports✔ Managed the system of record for risk metrics and re-designed the quarterly reporting process✔ Designed and implemented the end-to-end data and reporting process to manage Frameworks, Policies and Standards for the Policy Governance Office✔ Created risk reports for the HR Incentive Compensation program evaluating the executive leadership in different risk areas ✔ Led the Risk Intelligence team in Risk Management (2LOD)

- Consolidate and enhance existing reports creating one trusted source of information for the organization- Support the reporting needs First Line of Defense by developing new reports ensuring that all sources of risk are being captured- Aid in strategic and operational decisions by providing in-depth insights from customized risk reports to drive informed decision making- Compliance reporting: Monitoring and Testing, Reg O, Reg W, HMDA- Continuous enhancement of reporting processes to ensure they remain efficient, relevant and aligned with evolving business needs- Built the Reporting and Data Analytics program for the First Line of Defense and led the team since its creation in 2021 - Designed and developed the reporting solution for issues management at CNB- Redefined and standardized the Quarterly Risk Report process across the commercial lending divisions- Created a fully automated process to manage the compliance monitoring and testing performed in the First Line of Defense- Developed specific Tableau dashboards related to Credit Risk, Compliance Risk, Operational Risk and IT Risk

- Developed a set of Process Maps including the key activities performed in the division- Built a fully automated solution to produce Executive Dashboards related to all OCC risk types- Guided the division in the transition of processes related to opportunities and covenant tracking into Salesforce- Implemented several enhancements related to process automation.- Performed a Policy vs. Procedures gap analysis and designed a remediation plan for the gaps identified.- Supported the division in multiple data and reporting initiatives

Financial Business Analyst at the Real Estate Division✔ Financial analysis and reporting duties ✔ Participation in the different projects under development in the division

Program Manager for the “Stress Testing Enhancement Project” (STEP) since May 2015.STEP is key strategic project for Santander UK intended to identify and implement improvements in all areas related to the Stress Testing exercise.Recently also taken over the Program Management Office for the Capital Tools Program since September 2017, with the objective of improving all capital related processes by means of different projects affecting risk, finance and IT.✔ Successfully created STEP as a cross-functional multi-year program involving 12 business areas from different divisions across the bank and direct reporting to C-level Management✔ Implemented Agile practices acting as a Scrum master and as a Product Owner prioritizing and maintaining the team’s backlog and handling dependencies across teams and with suppliers✔ Implemented different enhancements related to the Stress Testing process: - Lead a task force team of consultants to document in detail the data flows of the e2e process - Performed a gap analysis on the data used and created a consolidated data dictionary to map metrics and attributes to the standards required by the regulatory authority - Developed a system to enhance the automation and to produce regulatory reports - Issued a set of recommendations to improve the governance, processes and organization✔ Monitored, planned and supervised the implementation of the forecasting credit risk model suite, enhancing the current econometric forecasting models related to retail banking and developing a new forecasting model for mortgages based on transition matrixes✔ Defined the yearly budget to cover the project needs ✔ Successfully launched 10 projects of the Capital Tools Program within the planned timeframe

Senior Financial Managersupporting the implementation of the calculation, analysis and reporting of regulatory capital under the BASEL-II Framework, with focus on credit risk ✔ Successfully implemented the annual Group’s Economic Capital model, as model owner in the UK✔ Performed a comprehensive review of the main risk parameters (PD, LGD and EAD) used in the Corporate & Commercial portfolios and implemented the changes to fix the weaknesses detected✔ Successfully rolled out and monitored the model suite (rating, scoring, PD, LGD, EAD) using the advanced-"internal rating based" approach (A-IRB) for regulatory capital in the UK and Europe✔ Performed data analysis and reporting supporting Regulatory Authorities and Corporate Areas (SQL, VBA, MS Excel, MS Access, BOXI, SAS)✔ Evaluated regulatory requirements for new products/transactions✔ Performed the reconciliation of the treasury operative used by the capital calculation engines with the back-office systems✔ Acted as liaison between host and home regulators (Bank of Spain, PRA, BaFin) ✔ Supported the local units producing the regulatory dossiers related to the A-IRB models

Senior Financial Manger in the Roll Out Department at Capital, Internal Control & SOX Global area. Performed duties related to compliance under Basel II regulatory framework. ✔ Obtained the approval from the home regulator for the use of the A-IRB global models in Brazil, Chile, Mexico and Portugal, achieving a saving of 1.1 billion € in capital requirements✔ Designed the processes to follow at all establishments to manage with the regulator the relevant changes of risk parameters (PD, LGD, EAD) used in capital calculation✔ Completed the first stage on the implementation the A-IRB modelling approach for capital calculation in Santander UK and Santander Consumer Finance Germany ✔ Established a plan to roll out the corporate system infrastructure for capital calculation (data base + engines + reporting system) for Santander UK and Santander Consumer Finance Germany✔ Performed and assessment on the existing system infrastructure of the recently acquired Zachodni Bank (Poland) evaluating their degree of compliance with Santander's approach for regulatory capital calculation✔ Identified the risks and defined the controls to comply with SOX regulation for the area,

Head of Capital Department at Santander Wholesale Risk Back Office✔ Created the department, defining roles and responsibilities for an initial team of 10 members✔ Designed the services and reports to be provided to the Risk Division✔ Controlled and monitored the end-to-end process for regulatory and economic capital calculation✔ Reconciled the treasury transactions used in capital with the Front Office systems (Murex, K+)✔ Improved data quality for capital calculation achieving recurrent monthly savings of 1 billion € in capital requirements✔ Managed the process defined for the client registration in the treasury systems

Senior credit risk analyst at Solvency Risk area✔ Gained the regulator’s approval for the use of A-IRB models in the parent company, achieving a 30% decrease in capital requirements✔ Designed and developed a set of executive dashboards for senior management: - Identified the relevant KPI’s related to regulatory and economic capital - Included the metrics and dimensions to cover the requirements of the bank regulator on regulatory reporting - Developed a fully automated prototype in Excel using VBA✔ Performed multiple data analysis and data mining tasks for the Risk Directorate (SQL, VBA, MS Excel, MS Access, BOXI, SAS)✔ Successfully implemented the monthly calculation of regulatory capital requirements under the advanced IRB approach ✔ Defined the capital treatment and the calculation process for the treasury transactions✔ Defined the content and structure of the regulatory documentation related to the IRB models and supported the different local units✔ Implemented new modules for treasury instruments on the market risk pricing system at Mexico and Argentina enhancing processes by automating the majority of the manually executed tasks✔ Performed multiple data analysis and data mining tasks for the Risk Directorate (SQL, VBA, MS Excel, MS Access, BOXI, SAS)✔ Acted as project manager for the implementation of Basel II regulatory framework for credit risk✔ Defined the data interfaces to populate the Risk data warehouse✔ Managed the pricing system for treasury products used by the Market Risk area

Part time lecturer at Escuela Politécnica Superior of University Carlos III. Teaching subjects: Computer Fundamentals II and Systems Architecture (Telecommunication Engineering, 2nd Year, spanish/english). - Successfully implemented Bologna’s plan changes in Systems Architecture subject as a part of research project

✔ Set up, support and integration of new modules for ESA’s monitoring system for applications✔ Continuously monitored ESA’s critical business applications by performing measurements in terms of response time & availability.✔ Designed and developed a web system for the publication of performance measurement reports

Project Management for the development of the reference educational portal of the regional government in Galicia (Spain)✔ Led the development team composed by seven developers.✔ Designed and developed a SCORM based e-learning platform. (Java, Struts, HTML, XML, JSP, Javascript, Oracle, Sun One App. Server, JReport, Unix, CVS, Ant, UML, Rational Rose)

✔ Developed the CEN/ISSS WS-LT Learning technology standards observatory. (ASP.NET, SQL Server 2000, Win 2K Server)✔ Designed and developed an environment related web site for SME (ASP.NET, ASP, SQL Server, Win 2K Server)✔ Developed an e-learning platform for E.T.S. Enxeñeiros Forestais (Engineering School) (ASP, SQL Server 2000, Win 2K Server)