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Alvaro Fernandez Velando

Alvaro Fernandez Velando

Chief Data & Artificial Intelligence Officer

Santander Spain•Greater Madrid Metropolitan Area, Spain

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Experience27+ Years
LevelCXO

Executive Overview

Chief Data & Artificial Intelligence Officer in banking with broad experience shaping data strategies and leading teams in risk, IT, retail, and commercial banking. I combine executive vision with technical depth (Databricks, Python, MLOps, AI and Gen-AI) to scale AI with compliance and measurable business impact. Proven track record in leveraging data, models, and advanced AI solutions to drive transformation. Strong advocate for Responsible AI and end-to-end data governance.

Career Timeline

Professional employment history
  • Santander SpainCurrent
    Nov 2016–Present· 10 yrs
    • Chief Data and Artificial Intelligence Officer, Global CardsCurrent
      Dec 2025–Present
    • Head of Models and Data
      Oct 2020–Mar 2026
    • Head, Data
      Jul 2019–Oct 2020
    • Chief Risk Data Officer
      Nov 2016–Jun 2019
  • Santander Spain
    Aug 2007–Jun 2016· 8 yrs 10 mos
    • Director, Customer Relationship Management
      Aug 2007–Jun 2016
  • Discover Value
    Feb 2005–Mar 2026· 21 yrs 1 mo
    • Owner
      Feb 2005–Mar 2026
  • CaixaBank
    Sep 2003–2007· 3 yrs 4 mos
    • Project Manager, Information Technology
      Sep 2003–2007
  • HSBC
    Aug 2002–Sep 2003· 1 yr 1 mo
    • Project Manager, Information Technology
      Aug 2002–Sep 2003
  • BBVA
    Sep 1999–Aug 2002· 2 yrs 11 mos
    • Data Mining Analyst
      Sep 1999–Aug 2002

Education

Corporative Development Program

Finance, economics, marketing

IESE Business School

Data Mining and Marketing Research

Escuela de Finanzas BBVA

Master en Automatización Industrial y Robótica

Inteligencia Artificial

Instituto de Automatización Industrial

Chemical Engineering

Universidad Complutense de Madrid

Executive Relationship Map

Reports To
Alvaro Fernandez Velando
Vice Chair & President
Chief Financial Officer
Chief Technology Officer
Chief Operating Officer

Executive Network Preview

BizKonnect has mapped this leadership network including reporting hierarchies, peer connections, and cross-functional relationships.

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Skills & Expertise

18 of 18 skills
PythonBusiness IntelligenceAnalyticsCRMText MiningDatabase MarketingSegmentationMarketing StrategyAnalysisArtificial intelligenceBig DataMachine LearningRecommendation AlgorithmsDecision AnalysisBehavioral ScienceRTeam ManagementData Mining