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Javier was born in Madrid, Spain in 1967. He holds a degree in Business Administration from the Universidad Pontificia de Comillas (ICADE) in Madrid and a MBA degree from the Graduate School of Management at UCLA.

Javier is Head of Retail and Business Banking, Deputy CEO Santander UK, just before this appointment in June 2013 Javier was managing the America's Division (Ex-Brazil) - Mexico, Chile, Argentina, Peru, Puerto Rico and Uruguay.

Until May 2012, Javier was Senior Executive Vice President responsible for the management of the Non Euro Markets of Santander Consumer Finance, and Executive Member of Santander Consumer Finance Board of Directors.
ln 2004 he started his career with Santander Consumer Finance as Head of Strategic Planning, and in 2006 was appointed Chief Operating Officer of Santander Consumer Finance at its European headquarters.

Before joining Banco Santander, Javier was a senior Partner of McKinsey & Company in the Madrid office. During his years (1991 - 2004) of consulting life he became a senior leader of the European Financial Institutions practice.

Javier is married and father of three children.

All our Chairmen

Javier San Félix
2012 - 2014
Hans van der Noordaa
ING Group
2009 - 2012
Roberto Nicastro
UniCredit Group
2006 - 2009
Lars G Nordström
2003 - 2006
Karel De Boeck
Fortis Bank
2000 - 2003
Alfredo Sáenz Abad
Santander Central Hispano Group
1997 - 2000
Jon Foulds
1994 - 1997
Pier Carlo Marengo
Credito Italiano
1991 - 1994
Bernard Thiolon
Crédit Lyonnais
1988 - 1991
Daniel Cardon de Lichtbuer
Banque Bruxelles Lambert
1986 - 1988
Gaetano Cigala Fulgosi
Banca di Roma
1983 - 1986
Robert Amos
Lloyds Bank
1981 - 1983
Frank Drost
Nederlandsche Middenstandsbank & NMB Bank
1979 - 1981
Enrique Mas Montanes
Banco de Bilbao
1977 - 1979
Kenneth Bromley
Barclays Bank
1975 - 1977
Paul de Bellefroid
Société Générale de Banque
1971 - 1975
Dominique Chatillon
Caisse des Dépôts et Consignations

Efma Chairman

The association is chaired by a senior figure from the banking or insurance sector, elected for three years. Through his personal influence in the financial services sector, the Chairman can give impetus to Efma's policies and maintain high-level contacts on its behalf. Efma's present Chairman is Javier San Félix Head of Retail and Business Banking, Deputy CEO Santander UK at Santander.

The Chairman is assisted by a Deputy Chairman, Philippe Wallez, Head of Retail & Private Banking at ING Belgium, and a Deputy Chairman Treasurer, Pierre Hacquet, former Retail Banking Director at Crédit Agricole, whose role is to supervise the association's administration and finances and to balance the budget.