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Fermin Alvarez Email & Phone Number
Head of capital and risk management
at
Miraltabank
1 work email found
@telefonica.es
LinkedIn matched
✓ Verified May 2026
4 data sources
Profile completeness 86%
Current company
Role
Head of capital and risk management
Location
Madrid, Community Of Madrid, Spain
Who is Fermin Alvarez? Overview
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Quick answer
Fermin Alvarez is listed as Head of capital and risk management at Miraltabank, based in Madrid, Community Of Madrid, Spain. AeroLeads shows a work email signal at telefonica.es and a matched LinkedIn profile for Fermin Alvarez.
Fermin Alvarez previously worked as Senior Financial Advisor at Profesional Independiente and Global Head of Treasury and Risk Insurance at Telefonica. Fermin Alvarez holds Master Of Business Administration (M.B.A.) from Iese Business School - University Of Navarra.
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Email format at Miraltabank
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*@telefonica.es
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Profile bio
About Fermin Alvarez
+20 years helping businesses to define and build their future, pursuing professional and personal excellence in what it´s my passion, the financial management.I have taken part in the business model development of listed companies with business units in different countries, taking the best financial, investment and capital allocation decisions in context of a long term and global business vision.I push the internal transformation to get the maximum operational and financial efficiency, with strategic orientation to the value creation, invested capital reduction, risk optimization and proper funding of operations. In this way, in my role as Global Head of Treasury & Insurance at Telefónica S.A. I achieved 75% free cash-flow growth in a 5 year period (up to 5,9bn€), as well as I implemented the treasury model digitalization y centralization, with annual eficciencies of 100mn€.I manage with objective vision, providing practical solutions stuck to the ground, responding to changes with agility..I lead teams and build relationships based on example, trust, service, cooperation and loyalty building an environment that allows open discussions.- Business partner- Operational and financial efficiency- Liquidity and working capital- Risk management- Investments- Funding structure- M&A deals- Strategic vision- Planification & budgeting- Processes automatization- Promoting data usage (data science)- Business transformation- Digital transformation
Current workplace
Fermin Alvarez's current company
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11 roles
Fermin Alvarez work experience
A career timeline built from the work history available for this profile.
Head Of Capital And Risk Management
Current- Defining medium-term profit and capital plans for the different business lines, as well as target products to be developed per line and pricing mechanism
- Setting the capital allocation, asset & liability management frameworks, meeting both the UE banking regulation a business needs
- Building l,iquidity projections to maximize Treasury book returns while staying in compliance with internal and regulatory limits
- In charge of relations with the banking supervisor about European Prudential regulations
- Analyzing and helping to structure viable loans with different kinds of counterparties
- Building the infrastructure (processes, people, systems) to properly support operations and risk management
Dec 2021 - Present
Senior Financial Advisor
Current
Profesional Independiente
- Some of the main projects:
- External CFO at food sector company, with disruptive business model and relevant technological base
- Fintech business plan development
Sep 2020 - Present
Global Head Of Treasury And Risk Insurance
Main challenge in this role came from the indebtedness situation in the Group (telco business with 2019 revenues of 48.4 bn €, EBITDA 15.1bn € and FCF 5.9bn €g), making necessary optimize cash flow generation and simultaneously pushing the business growth. Leading actions with multidisciplinary teams involving different business areas, getting these.
Jan 2014 - Mar 2020
Chief Executive Officer
The principal challenge in this role was to build a new governance framework, after negative and under benchmark returns in previous year (2008 & 2009) of the different managed Pension and Mutual Funds (assets under management of 6 bn €), with the following achievements:- Implementation of new investment policy, considering not only the traditional asset.
Jan 2010 - Jan 2014
Head Of Subsidiaries Financial Coordination
First challenge in this role was to consolidate a matrix structure model in the different subsidiaries, combining views of the different Headquarter financial areas and the local businesses.Main achievements- Implementation of the new capital structure of several relevant Telefonica Group subsidiaries with growth funding needs or low performance, based in.
May 2008 - Jan 2010
C.F.O. Telefonica Peru & Ecuador
Complete financial management of company with with 2008 revenues of 2.75 bn USD and Ebitda 800 mnn USD, with equity and fixed income securities issued in the Lima and the New York Stock Exchange). The main challenge was getting stronger business connection, implementing actions to support the growth phase and make it profitable.Main achievements.
Oct 2004 - Apr 2008
Head Of Corporate Financial Risk Management And Control
Jun 2000 - Sep 2004
Head Of New Products, Treasury Area
Jan 1999 - May 2000
Deputy Head Of Global Market Risk Management
Jul 1997 - Jan 1999
Analyst, Global Risk Management Area
Jul 1995 - Jun 1997
2 education records
Fermin Alvarez education
Master Of Business Administration (M.B.A.)
Telecommunication Engineering
FAQ
Frequently asked questions about Fermin Alvarez
Quick answers generated from the profile data available on this page.
What company does Fermin Alvarez work for?
Fermin Alvarez works for Miraltabank.
What is Fermin Alvarez's role at Miraltabank?
Fermin Alvarez is listed as Head of capital and risk management at Miraltabank.
What is Fermin Alvarez's email address?
AeroLeads has found 1 work email signal at @telefonica.es for Fermin Alvarez at Miraltabank.
Where is Fermin Alvarez based?
Fermin Alvarez is based in Madrid, Community Of Madrid, Spain while working with Miraltabank.
What companies has Fermin Alvarez worked for?
Fermin Alvarez has worked for Miraltabank, Profesional Independiente, Telefonica, Fonditel Asset Management, and Telefonica Peru.
How can I contact Fermin Alvarez?
You can use AeroLeads to view verified contact signals for Fermin Alvarez at Miraltabank, including work email, phone, and LinkedIn data when available.
What schools did Fermin Alvarez attend?
Fermin Alvarez holds Master Of Business Administration (M.B.A.) from Iese Business School - University Of Navarra.
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