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Luis Gandarias is an associate at Santander Bank coordinating the redefinition of risk internal models to adhere them to the new regulatory standards, including credit model, equity derivatives, observability, and modellability. Previously worked in the Pricing Analytics team of Santander Bank generating and providing the required primary inputs for risk engines. In 2014 Luis obtained a bachelor in Economics from the Universidad Complutense of Madrid, followed by a Master’s Degree in Finance from IE Business School and in 2018 completed the third level of the CFA program.