Javier de Antonio holds a double degree in Business Administration and Law and graduated from Kellogg (Northwestern University) with an MBA in 1997. Worked in the financial industry for the last 20 years, first as a strategy consultant in Madrid with Accenture and then with Marakon Associates in London. During this years has advised some of the largest UK and Spanish banks and insurance companies. For the last 10 years has been involved in projects related with the management of alternative channels in the banking industry. Some relevant professional experiences include: - Currrent role as Director de Particulares (individuals, mass market) at Banco Santander in Spain. - Worked during 7 years leading the successful introduction of ING DIRECT in the Spanish market.