Ph.D. in Finance from Tulane University, USA, in 2016. I received my EMBA from IDE Business School, Ecuador, in 2005. I obtained my Magister degree in Economy form Catholic University of Chile, Chile, in 2001. I graduated with a Bachelor degree in Economy from Escuela Superior Politécnica del Litoral, Ecuador, in 1998. I was Chief Financial Officer of Escuela Superior Politécnica del Litoral (ESPOL), from 2002-2012. I am Principal Professor of Escuela Superior Politécnica del Litoral (ESPOL) from 2002 until now, and I have been teaching courses as Corporate Finance, Investments, Security Analysis, Portfolio Management, Financial Management, International Macroeconomics, Macroeconomics for Business Strategy, at graduate and undergraduate level. Actually, I am one of the owners and Vice-president of Summaratings Credit Rating in Ecuador. My fields of interest are Mutual Funds, Corporate Finance, Financial Institutions, International Macroeconomics and Asset Pricing. I am a member of American Finance Association and American Economic Association.