Diego Puentes M, CFA

Responsibilities: - Leader of financial teams across the CAS region (Colombia, Costa Rica, Paraguay, Peru, Chile, and Argentina). Focus on treasury management, payment processing, and banking relationships. -Oversee financial, cost, project analysis, budgeting, and forecasting processes to drive regional strategic business expansion. - Design, implement, and manage projects to standardize, automate, and systematize processes Achievements: - Reorganization of teams and workflow teams across the region. Reduction of 25% of FTE costs, maintaining ky responsibilities -Successful Host-to-host implementation in Perú optimizing payment processes and reducing manual processes to less than 10%. -Increased profitability due to cash management optimization and improved bank relationships. A returns increase of USD 1,5M in 2023 vs 2022 ( an increase of 67%) and a returns increase of USD 1,9M in 2024 vs 2022 ( an increase of 17%)

Responsibilities: - Oversee financial controlling, budgeting, and profitability analysis for key business verticals and segments across Latam( Colombia, Argentina, Chile, Mexico, Peru, and Brazil.), with a focus on topline performance. - Act as a financial business partner for commercial areas, monitoring Latam performance and supporting strategy across Latam. - Lead projections, development, and implementation of new business cases and models to enhance internal capabilities and skills. -Drive the creation of new products and services, such as credit and digital lending, adding value to PayU's ecosystem in Colombia and Latin America. Achievements -Successful deployment of Buy Now Pay Later MVP integrated into PayU platform. -Successful deployment of merchant cash advance MVP integrated into PayU platform. -Valuation and forecasting of PayU Latam Business in various scenarios to ensure and support the sale process of Latam operations to new investors.

Responsibilities: -Lead financial validation and control of BBVA's transformation initiatives, ensuring strategic alignment and innovation in products and channels. -Design and support the implementation of strategic projects with a focus on achieving a broad, cross-organizational impact. -Coordinate with headquarters and senior leadership to align processes, guidelines, and capabilities with customer needs. -Enhance sales force productivity by driving initiatives that improve organizational efficiency and effectiveness. Achievements: -Development and implementation of a productivity model for Retail and SME banking. -Impact evaluation and development of strategies for adapting to changing market conditions and trends focusing on enhancing the performance of products and channels.

Responsibilities: - Coordinate and lead teams specializing in planning, performance management, capital & liquidity, and financial performance. -Oversee planning, budgeting, financial analysis, and competition analysis for the Bank and its subsidiaries in Colombia. -Drive strategic financial initiatives to enhance overall performance and competitiveness. Achievements: -Lead processes and technical implementation of financial reliefs for COVID-19 contingency, minimizing the impact on the bank and serving the needs of the clients in the best way. -Process improvement, analysis, and communication with business areas and associates for the analysis of alliances, initiatives, and projects, both internal and with third parties (Joint Ventures).

Responsibilities: -Manage, evaluate, and control the financial performance of international subsidiaries and investments in Central America (Panama, Costa Rica, El Salvador, Honduras, and Miami). -Support financial and strategic planning for the organization's international expansion and consolidation. -Report directly to the CFO, ensuring alignment with overall financial goals Generate and report financial information and strategy to the board of directors across the region. Achievements: -Definition, development, and monitoring of capital: 1) Analysis of ROE and capital required by the investor, 2) sectorial and regional comparisons. 3) Monitoring of key indicators that impact return on capital. -Design and implementation of financial margin analysis methodologies integrated into the asset and liability committee (ALCO) of each country. As well as homologation of topics for Alco committees at the regional level. -Design and implementation of profitability model, by business line, product, and clients. Implementation of efficiency control models at the regional level with sectoral comparisons. -Analysis of macroeconomic variables and regulatory changes impact the financial performance of different subsidiaries in the region and their competition.

Development and implementation of financial models regarding the valuation of assets and liabilities of the Bank and subsidiaries under IFRS. Support technical and technological developments of the project. Supporting the conversion and generation of financial statements under IFRS. Financial models developed including Valuation (amortized cost and fair value) of financial instruments: fixed income, equity, derivatives, and loans; Impairment Models and fixed assets.

Coordinate the headquarters reporting team, analyzing the financial performance of each line of business and each product. Generate financial models and management information to support the decision-making process and the evaluation of projects, campaigns, relationship managers, and branches. Analyze critical factors of risk/ success in the financial statements of each line of business, identifying the main profitability drivers of the business.

Financial modeling and analysis to describe and present the financial position and performance of the bank. Focused on the tracking of business performance and headquarters reporting. Also, construction and implementation of the management information system to support the line of the business decision-making process and the projects and campaigns evaluation.

Coordinate and organize the credit analysis team for the gathering and analysis of commercial and financial information of national and international customers for the appropriate credit placement (financial statement analysis, commercial references, creditworthiness analysis). The main objectives were to mitigate credit and commercial risk and to support credit managers in the credit approval and terms definitions.

Financial modeling, analysis and reporting of the bank costs, expenses and profitability. Financial information presentation to line of business. Support to budgeting and forecasting processes.