
Bilbao, 26 February 1961.
| 1984 | Degree in Economics and Business Studies. Deusto University. |
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| 2006 | Senior Management Programme (PADE). IESE Business School. |
| 1986-1990 | Bank Examiner in the Credit Cooperatives Office, Banco de España. |
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| 1990-1992 | Bank Examiner in the Savings Banks Office, Banco de España. |
| 1992-2000 | Bank Examiner in the Banks Office, Banco de España. |
| 2000-2003 | Head of Division, Banks Supervision Department, Banco de España. |
| 2003-2008 | Executive Co-ordinator, Supervision Department II (major banks), Banco de España. |
| 2008-2012 | Director of Supervision Department II, Banco de España. |
| 2008-2011 | Representative of the Banco de España as alternate member of the Deposit Guarantee Fund for Banking Establishments. |
| 2011-2012 | Alternate member of the Management Committee of the Deposit Guarantee Fund for Credit Institutions. |
| 2012 to date | Director General of Banking Supervision, Banco de España. |
| 2012 to date | Full member of the Management Committee of the Deposit Guarantee Fund for Credit Institutions. |
| 2012 to date | Full member of the Management Committee of the Fund for the Orderly Restructuring of the Banking Sector (FROB). |