Rafael Cavestany has over 15 years of experience in the financial services industry covering the banking and insurance sectors. He currently works as a director in True North Partners Group and SKITES. Before, Rafael worked at Everis as executive director of the risk management practice and PwC as senior manager. He has worked on projects for a number of leading financial institutions in the US, Canada, UK, Spain, Italy, LatAm and South Africa. His experience is focused on consulting projects for the development of risk management tools and the corresponding methodologies, workflows and data requirements, etc, with special emphasis on operational risk modelling. Cavestany received his MBA degree from University of Michigan in 1997, a degree in economics from Universidad Autónoma de Madrid, and is currently finishing his PhD thesis in statistics.