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Born in Gij�n (Asturias) in 1949. Married. Graduated in Economic Sciences from the Universidad de Santiago. Professional Background: 1976 - Joined Arthur Andersen (Systems). 1977 -Joined Banco de Vizcaya, where he was Director of Administration and Control for the International Division. 1986 - Chairman of the Management Committee of Banque de Gestion Financi�re, S.A. (B�lgica). 1988-1989 - Was Deputy Director General for Planning and Control in Commercial Banking, and later Regional Director of Retail Banking. In 1990 he joined Banco Exterior de Espa�a as Comptroller General, occupying the same post in Corporaci�n Bancaria de Espa�a (Argentaria) from 1991 to 1995, where he was appointed Director General for Internal Comptrol and Oversight. In 1997 he took over the duties of General Manager for Organisation, Systems, Operations, Human Resources, Purchases and Real Estate. In 1999, after the merger with BBV, he was appointed General Manager of BBVA Systems and Operations. Was appointed Group General Manager in 2001, with a wide range of responsibilities in different areas. He was, as BBVA representative, member of the Board of: Telef�nica, Iberdrola, Banco de Cr�dito Local, and Chairman of Adquira. He was appointed to a BBVA Directorship on 28th February 2004 and Chairman of Risks Committee on 30th March 2004. | 