Lorena Busto Hurtado

Senior Capital & Treasury Management Specialist at Vanquis Banking Group, where she is a key Subject Matter Expert in relation to all things Capital, including optimisation of the Group capital structure, management of risk exposures and compliance with regulatory requirements.

Bio

Previously, Lorena worked at Santander as Corporate & Commercial Bank Capital Manager and Treasury Middle Office Analyst in London, and as Electronic Trading Administrator in Madrid. She holds a Master’s degree in Banking and Financial Markets from University of Cantabria (Spain) and another one in International Trade Economics and European Integration for which she was awarded with a European Commission scholarship.

Passionate about languages, currently she is learning German as a hobby. She can also fluently communicate in Spanish, English and French with her friends around the globe. Certainly, her biggest treasury are her friends!

Work Experience

Current position
Senior Treasury Capital Analyst – Group Treasury

Key Subject Matter Expert in relation to all things Capital (Internal & External), reporting to the Head of Capital Management and Group Treasurer.
- Monitoring and reporting of internal and external capital requirements, to include allocation and consumption by businesses.
- Interaction with, and regular updates to, debt investors and credit rating agencies, developing materials that help articulate the position of the Group’s Capital both now and in the future (aligned to the Corporate Plan).
- Providing impact analysis and implementation of regulatory change and other regulatory change initiatives i.e. Basel 3.1 & SDDT.
- Coordinating the Individual Capital Adequacy Assessment Process (ICAAP) and development of capital stress testing with FP&A, finance and risk teams.
- Economic analysis with a focus on capital relating to M&A activity, portfolio acquisitions & disposals, and capital allocation and consumption.
Beyond the day-to-day management of capital, supporting the optimisation of the Group/Banks capital structure, management of risk exposures and ensuring compliance with regulatory requirements.
- Monthly capital reporting (actuals & forecast) to ensure timely MI to Senior Management, Forums and Committees.
- Supporting the development and maintenance of the Group’s capital management framework and related risk appetites and monitoring developments in UK prudential standards.
- Monitoring and communicating capital requirements, adequacy, and consumption through Treasury Management Forum (TMF) and ALCO reporting.
- Supporting the review of business proposals to help identify and address the impact on capital requirements and liaise within the team and other support functions to ensure these are considered for regulatory reporting and capital management purposes.
- Supporting the production of the Group’s Individual Capital Adequacy Assessment Process and the monitoring and oversight of capital adequacy and so familiar with credit risk, operational risk, concentration risk, interest rate risk and financial planning and analysis, and confident coordinating and collaborating with stakeholders across various functions (outside Treasury) of the Group.
The role allows to develop and improve specialist knowledge through on-the-job and structured learning (CertBALM).

Current position
Women In Financial Markets Ambassador - UK/Europe Committee

Actively contributing to WIFM’s mission to advance female representation and leadership within the financial services industry through strategic engagement, thought leadership, and community development.
- Serving as a UK/Europe Committee Ambassador for Women in Financial Markets, representing the organisation in strategic partnerships and member engagement initiatives across the region.
- Advocate for female leadership visibility in global markets, supporting initiatives that promote equal representation and cross-industry collaboration.
- Represent WIFM in stakeholder and institutional forums, helping shape strategic priorities for membership growth and community engagement.
- Support the design and execution of events that connect senior leaders and emerging talent across the finance industry.
Active member of the Leadership & Events Working Group, driving initiatives to promote professional development, networking, and diversity across financial services.
- Co-develop and deliver events focused on leadership development, non-linear career growth, and industry innovation.
- Collaborate with peers and senior executives to advance the WIFM agenda on inclusion and equitable representation in financial markets.
- Support event programming, speaker engagement, and content curation for high-impact member events and panels.

Previous position
Associate Director – Capital & Returns Management

Responsible for the management of the Corporate & Commercial Bank (CCB) capital position, enhancing returns across the business, and executing market-facing solutions designed to better facilitate origination through improved capital efficiency.
- Contributing to the development and implementation of key capital management initiatives.
- Delivering returns enhancement initiatives including the monitoring and improvement of low returning clients.
- Initiatives included Turnover Data Remediation (£300m RWA Impact), 0% CCF (£700m RWA Impact) and UKEF Enhancements (£800m RWA Impact).
Owning portfolio management of CCB’s SRT securitisation transactions and acting as a key deal team member for any new SRTs.
- Supporting portfolio management of SRT securitisation transactions, acting as a critical deal team member, ensuring accuracy and timely completion of regulatory compliance requirements for York (£0.8m notional remaining) and Colossus (c.£5bn total notional)
Ensuring adherence to bank capital regulation e.g., CRR, and preparing the CCB portfolio for upcoming regulatory changes including Basel 3.1.
Leading workstreams including analysis, papers, presentations to forums and other stakeholder engagement across a range of the team’s activities, such as capital initiatives, returns management, pricing approach, risk methodology, securitisations, and portfolio solution.
- Managing CCB’s capital plan (headwinds and efficiencies), regulatory capital changes and risk methodology with a focus on IRB models, and methodology used in IFRS9 and pricing models.
- Targeting at RoE improvement through (1) Front Office returns support including via digital platforms and (2) leading pricing transformation projects.
- Portfolio management of CCB’s CLOs, providing reporting obligations, loss claims, governance submissions and ensuring ongoing regulatory compliance with SRT criteria.
- Owning and developing market-facing solutions to drive capital / returns efficiency and reduce large holds, including external credit ratings, credit insurance and other distributions.
Supporting the CCB Trade Finance Product team in delivering trade finance solutions while proactively identifying new opportunities through industry research.
- Working with Legal and Capital Advisory teams to review and finalise transaction documentation, ensuring legal compliance and accuracy.
- Coordinating with Product, Middle Office, Risk, Methodology, Legal, and other teams to ensure the smooth execution of new portfolio solutions and the seamless handling of transactions, effectively acting as a bridge for inter-department communication.
Leading the Data and Credit Risk Management (CRM) workstreams within the team, focusing on external ratings and trade finance products (e.g., guarantees, letters of credit, invoice and export finance, etc.).
- Future Fit joint KPMG and CCB programme accredited, gaining valuable insight into Agile methodologies, coding, and blockchain to prepare for collaborative sprints aimed at solving real business problems at CCB.

Treasury Middle Office Analyst - Internal Funding Senior Professional

Trade Execution, Maintenance and Monitoring, as well as Internal Funding and Front Office P&L Production.
- Worked closely with the Balance Sheet Management, Medium Term Funding and Short Term Market desks to provide accurate P&L according to the three way reconciliation policy.
- Supporting the Short-Term Markets business in order to ensure a controlled and integrated funding process across all in scope Banking Books.
- Ensuring that all Internal Funding subsidiary and business unit is booked correctly – making sure that the right funding rate and cash movements are applied in Wall Street and Murex.
Banking Book activities include Medium Term Funding and Debt Issuance, Short Term Funding and Issuance, hedging activities – Interest rate and FX positions.
- Collaborating with Front Office ensuring that controls are effective and appropriate for the business requirements.
- Having a clear understanding of how Front Office and Accounting & Finance work together – making sure that any ledger, statement balances or Nostro breaks are fully investigated and explained.
- Participating in Middle Office projects, i.e. LIBOR transition.
By actively participating in Middle Office Projects – identifying them and requesting to be involved, all commitments within the project are met in line with its timeframe and are prioritised alongside BAU workload and other responsibilities.
- Mainly, proactively engaging in funding activities and seeking to improve funding processes and controls.
Displaying a good understanding of the end to end funding process and how all process affect one another, i.e. operational incidents.
- Being responsible for breach monitoring, resolution and escalation where appropriate.
- Querying any gaps in knowledge with management as how to best address.
- Speaking up for what is right and challenging when necessary.
Proactively taking personal responsibility and representing Middle Office in a professional and responsible manner in all interactions, ensuring key stakeholders are left with a positive impression of all team members.
- Communicating with confidence to stakeholders and management.
Ensuring all kind of queries are dealt with in a timely manner and communicating them to the relevant team members and management as an appropriate way of guaranteeing acknowledgement of all emails.
- In the meantime, spotting key stakeholders and fully engaging them in any development.
In order to manage my personal development, actively seeking opportunities and exposure to other areas.
- Highlighting learning outcomes and identifying how additional knowledge can be used within the activities of another team.
- Using my previous experience with financial markets and instruments in other roles to suggest improvements.

Fixed Income eCommerce Analyst - eTrading Platforms Administrator

Supporting Fixed Income eTrading platforms, working closely with Treasury teams such as eCommerce, Front Office and IT.
- Assisting Trading and Sales departments on issue resolutions and new requests.
- Managing static data and large amounts of onboarding requests of new external clients and internal users in Bloomberg, Tradeweb, MarketAxess and BondVision eCommerce platforms.
Responsible for the administration – pricing, set up and maintenance – of bonds and portfolios, and the counterparty control – enablement, tiering and reconciliation – on ION and Bloomberg TOMS as well as on all eCommerce platforms.
- Prioritising tasks according to their importance, meeting business requirements and deadlines.
- Frequently updating on pending requests to Spain and UK traders and sales.
Taking part in critical functions such as configuring bond data and pricing.
- Ensuring product control through daily price-yield checks and frequent instrument static maintenance.
- Managing quarterly future roll-overs and monthly curve updates.
- Working on the implementation of platform modifications in the production environment.

She was an integral member of the team that was responsible for the set up and setting in motion of all our eTrading platforms being completed within set deadlines. Her language skills and cultural knowledge speak for themselves. She is an excellent team worker with many leadership skills.”

Peter Wheeler-King, former eTrading Administration Team Manager.

FX Sales - Business Development

Developing alliances with large Spanish companies and increasing considerably the number of clients through the specialisation in foreign exchange and risk management.
Searching for exporters and importers through cold calls and generating good prospects offering them daily front office support functions, including, but not limited to trade processing, trader pricing and responding to daily and varied customer service requests.
Understanding client requirements in order to offer the best solution and making these companies highly competitive in international trade, thanks to unbeatable exchange rates – spot and forward – and a proactive service.
Following up the customer portfolio created by daily reporting on major world currencies to recommend solutions and product enhancements that can generate deeper client relationships.

Global Banking and Markets Macro G10 Research - Economics, Rates and FX

Supporting the Macro G10 Research team analysing, interpreting and presenting data focused on the intersection between economics and financial markets to release daily, weekly, and monthly reports.
Contributing to develop and update quantitative models to forecast economic growth, inflation, and interest rates.
Liaising with the members of the Economics, Rates, and FX areas based in Madrid and London to interpret and comment on high-frequency economic data releases.
Managing the clients database, sending out emails, and uploading files to the web.

Lorena is efficient, detail-oriented and extremely competent. She is very organised and never misses a deadline or forgets an assignment. She has a deep-rooted spirit of helpfulness that, coupled with her quick grasp of subject matter, speaks well to her potential as a teaching assistant or instructor.

Lorena would be a tremendous asset in every company and has my highest recommendation.”

Ana Puebla, former research department co-worker.

education & training

Master´s degree, Banking and Financial Markets

Carried out jointly by Banco Santander and the University of Cantabria, it qualifies to succeed in Banking and Finance.
- For that reason, it is among the best master’s degrees for the financial sector in Spain.
The methodology combined theory and practice for a complete training, taught by an excellent teaching staff of senior managers and professionals in the sector, together with highly experienced university professors.
Being basic and specific fundamentals for the banking activity, management and banking strategy, financial markets and banking business the main areas of study.
First-hand professional experience thanks to an internship at a Banco Santander branch and the visit to the Santander Group´s Financial City in Boadilla del Monte.
- Training with the best professionals in the sector.

“I had the pleasure of meeting Lorena years ago, when she studied the Master’s in Banking and Financial Markets organised by the University of Cantabria in collaboration with Santander Bank. I would like to highlight her effort capacity, competitiveness, tenacity and initiative, as well as her great ability to set and achieve goals. I really appreciate her collaboration in different initiatives, such as her role as forerunner of the Mentoring Program accomplished by SANFI and her active participation in the academic stay that the Master´s students carry out in the UK. It is a pleasure and an honour to keep on collaborating with Lorena.”

Belén Díaz, Santander Financial Institute (SANFI) Academic Director.

Master of Arts (MA), Economics of International Trade and European Integration

Advanced Master in Economics of International Trade and European Integration (MA EITEI), Erasmus Mundus Joint Master’s Degree created by a consortium of European Universities in a context of transition in Central Europe and increasing European integration.
- A pioneering adventure and one of the first European experiences of Joint University Degrees.
A programme fully taught in English and in a truly international learning environment.
- A fundamental strength of the programme is an extensive network of alumni who hold leadership positions in international, public and private organisations around the globe.
MA EITEI provides the skills to competently analyse internationalisation and economic integration issues, as well as to formulate relevant policy or strategic recommendations for the economy and business.
- Key skills for understanding the complex dynamics of the international economy.
Thanks to the mobility scheme, each term took place at a different location: England, Belgium and Czech Republic.
- Being the core courses: advanced Micro- and Macroeconomics, Econometrics, International Trade and Economics of European Integration.
- Including Dutch and Czech language courses.
- Diploma jointly awarded by seven universities upon submission of the academic dissertation.

“I taught Lorena during her time on the MA EITEI in the UK. The truly international nature of the programme suited her abilities as a communicator and natural predisposition to education. The analytical skills and evaluation techniques also helped her became an even better economist which is why she excelled in the various host countries.”

Ian Jackson, former Staffordshire University Professor.

Licentiate degree, International Economics

The main objective of the Economics Degree is to train professionals able of carrying out management, advisory and evaluation tasks in economic matters in general.
Specialised in international economics.
- Having had the possibility of spending my third year of degree on Erasmus course at Université Pierre Mendès France Grenoble.
Economic analysis and public economics knowledge acquired through Mathematics, Statistics, History, Economics, Law and Business courses.

Communication Skills

Spanish

Native Speaker

English

Excellent communication skills in English acquired through professional experience.

Proficient use of the English language certified by the below institutions after passing their corresponding exams:

Certificate in Advanced English, University of Cambridge, Mar. 10
Proficiency Level Certificate of Higher Studies in English Language, Official Language School of Santander (Cantabria), Sep. 08

French

Good communication skills in business French consolidated at the French Alliance in Paris during 2015.

Advanced knowledge of the French language following the success in obtaining the listed diplomas:

Diplôme Approfondi de Langue Française (DALF C1), Ministère de l’éducation nationale (République Française), Jun. 09
Proficiency Level Certificate of Higher Studies in French Language, Official Language School of Santander (Cantabria), Jun. 08

“Nous avons le plaisir de connaître Lorena depuis plus d’un an maintenant. Elle participe de manière active et régulière aux activités culturelles proposées par l’Alliance française de Paris (activités en ligne autour de la culture française, qu’il s’agisse de gastronomie, histoire de l’art, patrimoine…). Nous avons toujours plaisir à la retrouver pour ces moments d’échanges entre étudiants actuels et anciens étudiants. Son français est excellent, et nous sentons qu’elle a à cœur de maintenir ce niveau tout en approfondissant ses connaissances de la culture française malgré la distance.”

L’équipe culturelle de l’Alliance Française de Paris

German

Recently, enrolled in an upper intermediate German course at the Goethe-Institut London.

Independent use of the German language achieved through the below listed certifications:

Goethe-Zertifikat B2, Goethe-Institut London, Mar. 22
Entry Level Certificate in German Language, Official Language School of Santander (Cantabria), Jun.12

“Lorena ist eine der besten Schüler*innen im B2.1-Kurs. Sie ist sehr aktiv und engagiert und interessiert sich für deutsche Kultur und Literatur. Sowohl ihre Schreib- als auch ihre Sprachfähigkeiten sind dem B2-Niveau absolut angemessen.”

Britta S., Deutschlehrerin.

certificates & memberships

Corporate and Commercial Bank Future Fit Programme Accreditation (KPMG and Santander UK Corporate & Commercial)

Learning and development programme delivered by KPMG in partnership with Santander UK Corporate & Commercial.
The innovative and stretching ‘Future Fit Programme’ focused on finding fit-for-purpose solutions to real-life CCB business opportunities.
A strong collaboration between the Santander and KPMG teams to deliver a highly valuable and engaging development experience.
The Future Fit joint KPMG and CCB programme provides valuable insight into Agile methodologies, coding, and blockchain, and prepares participants for collaborative sprints to solve real CCB business challenges.

Investment Principles and Risk (R02) Unit and member of the Personal Finance Society (Chartered Insurance Institute)

Investment Principles and Risk (R02) develops the knowledge and understanding of investment products and the application of the investment advice process.
The unit looks at the characteristics, inherent risks, behaviours, tax considerations, correlation of asset classes, and investment products before looking at the investment advice process, the principles of investment planning and the analysis of performance of investments.
Investigating the macro-economic environment and its impact on asset classes, the merits and limitations of the main investment theories, and the nature and impact of the main types of risk on investment performance.

European Financial Advisor certificate and member of the professional association EFPA España (European Financial Planning Association)

European Financial Advisor refers to professionals who offer a rigorous service of assessing clients needs and developing financial solutions, particularly concerning investments at portfolio level, but also including basic insurance/retirement/credit/financing solutions.
EFPA counts on the legal acknowledgement and back-up of regulatory bodies, financial entities and professionals.
EFPA guides professionals in knowledge, skills and lifelong learning.
All certificate holders are required to swear to abide by the EFPA Code of Ethics.

systems knowledge

Good command of Microsoft Office tools

Administrator
experience

Knowledge of Microsoft
Visual Basic languages

User
experience

publications

Welcome new WIFM Ambassador, Lorena Busto Hurtado

Women in Financial Markets is honored to announce the newest addition to our Ambassadors. We are thrilled to welcome Lorena Busto Hurtado, Senior Capital & Treasury Management Specialist.

Read Article: https://womeninfinancialmarkets.org/welcome-new-wifm-ambassador-lorena-busto-hurtado/

Nuevas leyes que se están proponiendo para el entorno digital – Criptomonedas e Inteligencia Artificial (IA)

Las empresas de servicios financieros están adoptando cada vez más tecnología para mejorar su éxito. Y como no podría ser de otra manera, la legislación debe evolucionar a la par, ¿quieres saber cuáles son las nuevas leyes que se están proponiendo al respecto?

Read Article: https://finanzasparamortales.es/leyes-digitales-ia/
Read Opinion: https://www.asesoresfinancierosefpa.es/tecnologia/asesores-opinan-lorena-bustos-entorno-digital/

Woman's Work::Lorena Busto Hurtado

My name is Lorena Busto Hurtado (she/her/hers) and I am a finance professional working at a Spanish bank in London. I have been working in banking and financial markets for nearly a decade, starting in Madrid at a very junior position and making my dream come true of moving to London four years ago. As a finance professional I am really involved in women in banking & finance empowerment in London and globally, and in boosting financial education in my home country Spain.

Read Journal: https://www.veronicafunk.com/journal/womans-worklorena-busto-hurtado

Lorena Busto Hurtado: Impact of Mentorship on Your Career | Swamini Khanvilkar

In this video, Swamini Khanvilkar (Founder of https://shaktiki.org/) is in a conversation with Lorena Busto Hurtado, a Spanish Finance Writer and a Keynote Speaker currently working in London, UK. They discuss:

00:00 Introduction
00:42 How did Lorena become a mentor
03:43 How do mentorship programs work
06:40 Difference between a mentor and a sponsor
12:30 How much should you be involved in a mentor-mentee relationship
15:02 Best mentorship programs
19:02 What impact can mentors have on your career
22:30 Advice on why to get a mentor
24:46 What to do when your mentorship relationship isn’t working
27:30 Why commitment is key

Watch Video: https://www.youtube.com/watch?v=2DAowQXV9eQ

Cómo las criptomonedas pueden cambiar tu vida

Las criptomonedas son una nueva forma de pago que está revolucionando el mundo de las finanzas y la vida de muchas personas.
En este video explicativo, veréis cómo las monedas digitales han marcado un antes y un después.
¿Qué pasará en un futuro?

Watch Video: https://www.youtube.com/watch?v=2GBGUB6hUBQ

Monedas digitales características y riesgos en el presente y a futuro

Las criptomonedas han sido un importante disruptor para las finanzas. Estos tokens virtuales escasos, protegidos por criptografía, que tienen un valor debido a su escasez y a su demanda sirven a día de hoy tanto para realizar pagos como para almacenar valor, pues existen mercados donde se intercambian por dinero real.

Sin embargo, la falta de regulación y su anonimidad hace que muchos desconfíen de su funcionamiento. Algunos piensan que las criptomonedas – como Bitcoin, Ripple (creada por antiguos desarrolladores Bitcoin), Ethereum o Litecoin (obra de un ex-empleado de Google) – se tratan de otra estructura piramidal y que su uso principal es la financiación de actividades ilícitas. Pues, suponen una ruta de pago alternativa al sistema bancario actual, habiendo más de 10.000 monedas virtuales en circulación y cada poco tiempo aparece una nueva.

Read Article: https://www.finanzasparamortales.es/monedas-digitales-caracteristicas-y-riesgos-en-el-presente-y-a-futuro/

“No one should describe themselves with negative adjectives.” — Lorena Busto Hurtado

Lorena navigates life with a curious mind and a strong sense of independence. Her first international adventure completely altered her perspective and opened her eyes. It led her to follow her dreams across Europe from Madrid to London. Now she’s been working in her dream city for over a decade in banking and finance, motivated by a desire to understand the how technological developments can reduce societal inequalities. Lorena is determined to approach every situation with optimism, but also organisation and order. She has a passion for fashion, and also for looking on the bright side. Meet Lorena. This is her story.

Read Interview: https://www.365days365women.com/meet-the-women/lorena-busto-hurtado

Criptomonedas, NFTs y Monedas Digitales

¿Son realmente seguras? ¿Hay diferencias entre una y otra?

Watch Interview: https://www.youtube.com/watch?v=0V0PXG25rew&feature=youtu.be

La importancia de la educación financiera para la igualdad de género.

Por todos es sabido que la educación es un pilar fundamental para alcanzar la igualdad en general y la de género en particular. Pero, cuando hablamos de educación financiera, debemos cuestionarnos si realmente sabemos qué son las finanzas. Normalmente, la gente tiene una visión única sobre las finanzas. La mayoría piensa que son jornadas interminables de banca o, tal vez, solo profesionales que buscan cómo pueden hacer crecer sus activos. Sin embargo, hay muchas áreas diferentes en este campo, todas ellas interesantes y que están presentes en nuestro día a día.

Por eso no es de extrañar que cuando la OCDE elabora encuestas cada dos años a nivel mundial sobre educación financiera ningún país apruebe. Porque aún no es algo de lo que se habla abiertamente en casa, ni se enseña en las escuelas. A esto contribuye que el dinero siga siendo en muchas culturas un tema tabú. Consultamos con nuestros amigos muchas decisiones, les pedimos consejos a la hora de comprar un móvil nuevo, sin embargo, las cuestiones económicas no se suelen compartir.

Read Article: https://www.finanzasparamortales.es/igualdadfinanciera/

International Day of Women and Girls in Science Lecture: https://ieslasllamas.es/index.php/actividades/328-mujer-y-nina-en-la-ciencia

International Women’s Day Lecture:
https://www.educantabria.es/ensenanzas-de-idiomas/resolucion-de-25-de-abril-de-2014-que-convoca-el-proceso-de-admision-y-matriculacion-del-alumnado-en-modalidad-oficial-en-las-escuelas-oficiales-de-idiomas-de-la-comunidad-autonoma-de-cantabria-para-el-curso-2014-2015/617-infoinstitucional/39723245-quincena-de-charlas-cientificas-en-ies-las-llamas.html

Lorena Busto con Artemisia Gentileschi - Mujer de podcast

Podcast y a dormir en su formato más coeducativo. “Yo también las visibilizo”. Narraciones sobre mujeres referentes en el campo de la ciencia, cultura, política, arte, literatura, tecnología… actual o del pasado.

Listen to Podcast: https://www.spreaker.com/user/podcastyadormir/artemisia-gentileschi

Humans Of Werkin: Lorena Busto Hurtado

Humans of Werkin is a series of the people who make us, us. The people who get to Werk on the Werkin platform are the rebels, the trailblazers, and the ones who want to change the future of work in the world. We reached out to the people on our platform and this is what they said…

Read Interview: https://getwerkin.com/humans-of-werkin/lorena-busto-hurtado

Respuesta a cuestiones que buscan explicación lo que está pasando o puede pasar

Lorena Busto, asociada de EFPA España escribe este artículo para el #blogEFPA dónde expone respuestas a cuestiones que buscan explicación a lo que está pasando o puede pasar en un momento excepcional como el que estamos viviendo.

En las últimas semanas se está viviendo una situación excepcional que pasará a la historia de nuestro país. Es un hecho probado que todos nos hemos visto afectados de una u otra manera.

Sin embargo, se puede hablar de la coexistencia de dos Españas: una tocada muy de cerca por el virus, que está sufriendo esta enfermedad en cualquiera de sus variantes; y otra que desde casa busca formas de evasión y aprovecha este tiempo para reflexionar.

Ahora más que nunca vivimos centrados en el presente. Pero estos últimos ya comienzan a preguntarse cómo las diferentes posibles consecuencias podrán afectar sus decisiones futuras.

Por eso, he recopilado algunas de las preguntas que recientemente me han ido formulando personas de mi entorno y, sin ánimo de satisfacer del todo su curiosidad, voy a intentar en la medida de lo posible darles respuesta.

Read Article: https://www.asesoresfinancierosefpa.es/opinion-financiera/respuesta-a-cuestiones-que-buscan-explicacion-a-lo-que-esta-pasando-o-puede-pasar/

¿Qué sabes de las funciones de un Banco Central?

El Banco Central, qué es, cuáles son sus objetivos y cómo logra conseguirlos.

Read Article: https://www.finanzasparamortales.es/que-hacer-con-nuestros-ahorros-yomequedoencasa-2/

Watch Video: https://youtu.be/teHoQT1pYy0

Q+A: WERKIN With Lorena Busto Hurtado And Fadwa Bourimech | WIBF Mentor And Mentee

Can mentorship really make a difference? We asked WIBF mentor Lorena Busto Hurtado, Middle Office Senior Professional at Santander UK and her mentee Fadwa Bourimech, senior financial and treasury analyst to interview each other about how their careers have changed since starting the WIBF Mentoring Programme powered by WERKIN.

Read Interview: https://getwerkin.com/blog/werkin-with-wibf

¿Se puede usar Blockchain en aplicaciones financieras?

Tipos de criptomonedas y ventajas para aplicaciones financieras.

Read Article: https://www.asesoresfinancierosefpa.es/opinion-financiera/blockchain-en-aplicaciones-financieras/

VOLUNTEERING

Women In Financial Markets Leadership & Events Working Group (former Women In Banking & Finance Lean In Circle Events Committee member and Book Club Leader)

Responsible for planning and executing a range of professional development, social and charitable initiatives, and membership in alignment with the Lean In circle value and objectives.
- In this Circle there are more than 400 members who come together in a safe space for real talk, inspiration, and support.
- Connecting and empowering women working in finance and promoting gender equality in the industry.
Developing an annual calendar of monthly high quality social and technical events that provides opportunities for networking, information sharing and building connections with members.
- Meeting once a month to welcome guest speakers on relevant topics such as technology, leadership, social impact and diversity.
- Hosting book debates and issuing monthly newsletters updating on facts and figures.
Planning, speaker engagement, execution and ongoing management of the circle events.

“I have been enjoying “working” with Lorena who is part of the Lean In (WIBF) committee. She is a very valuable member of the circle and has been doing an excellent job leading the book club!” Eunice Zhu, Lean In WIBF Circle Leader

Social Events Leader at Zebee

Small social enterprise whose mission is to create an inclusive and diverse community that helps nonprofits, creative individuals or organisations that are doing something good.
Hosting Instagram Live Chats as a way to give creative individuals and organisations the chance to talk about the good work they are doing.
Curating online game night sessions to learn and connect with others who share similar interests.
Showcasing talented individuals and good causes through monthly newsletters.

“As the Social Events Leader at Zebee, Lorena has taken the initiative to come up with fun and interactive ideas to help engaging the community. She is a dedicated leader with an attentive and inclusive approach towards our community. Lorena’s positive energy shines through every time we have a get together whether it’s online or in-person.”

Hui Wang, Zebee Community founder.

Financial Education Professional Trainer for ‘Finanzas para Mortales’ (FxM)

A joint project of University of Cantabria, SANFI and Santander Bank, providing training throughout Spain paying special attention to young people and people at risk of social exclusion.
Bringing economics and finance closer to young people, rural areas, entrepreneurs and vulnerable groups so that they understand financial concepts clearly.
Guaranteeing an inclusive, equitable and quality education that helps promote learning opportunities for the society in financial matters.
Promoting the development of greater financial capacities and skills so that people can make better decisions and achieve better management of their personal resources.

Mentor in the Women in Banking and Finance (WIBF) Mentoring Programme

Providing mentees with a broad range of personal and professional benefits that ultimately lead to improved performance in the workplace.
Mentees are matched to senior mentors from the Financial Services industry and can seek career guidance, advice and support.
Mentors get as much out of the relationship as the mentees and find the relationship to be a valuable tool for their development too.
- Increased understanding of intergenerational challenges.
- Recognition as a subject matter expert and leader.
- Development of their own personal leadership and coaching styles.
- Growth of professional relationships.
Finding great personal satisfaction through supporting the development of others.

“I had the absolute pleasure of meeting Lorena through her passion for mentoring. Lorena was an outstanding advocate for mentorship and her articulate descriptions of how mentoring had positively influenced her life were inspiring. Lorena was a key programme member and her sincerity, desire to teach and learn and overall enthusiasm and engagement were just a few of the things that made her truly brilliant. Lorena was a wonderful key speaker at an event I hosted as well as being a host for more than one Ask Me Anything session. I believe that Lorena has a wonderful capacity for relationship building, leadership and her genuine desire to achieve the best for others shines through – I hope she continues to be a mentor for many throughout her career as I am sure her valuable insights and empathy will always be appreciated.”

Umarrah ‘Tinks’ Javed, former WERKIN Programme Experience Manager.

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Peter Wheeler-King, former eTrading Administration Team Manager.

“Lorena is highly intelligent, qualified and has superb analytical and communication skills, and in various languages! Things required when working in a tough and stressful environment of a leading Treasury Support Department. During our time together, Lorena displayed excellent talent with the many technical applications and platforms implemented and operated. She was an integral member of the team that was responsible for the set up and setting in motion of all our eTrading platforms being completed within set deadlines. Her language skills and cultural knowledge speak for themselves. She is an excellent team worker with many leadership skills.”

Ana Puebla, former research department co-worker.

“I met Lorena at Banco Santander where we started our professional career. While Lorena was a relatively junior member of the team where she was completing her internship as measured by tenure (Macro G10 Research team), she quickly established herself as a go-to person in all the projects in which she has worked. She has been ever-willing to work with members of all the team to share her knowledge and expertise, most notably as an economic researcher. Lorena is efficient, detail-oriented and extremely competent. She is very organised and never misses a deadline or forgets an assignment. She has a deep-rooted spirit of helpfulness that, coupled with her quick grasp of subject matter, speaks well to her potential as a teaching assistant or instructor. Lorena would be a tremendous asset in every company and has my highest recommendation.”

Belén Díaz, Santander Financial Institute (SANFI) Academic Director.

Ian Jackson, former Staffordshire University Professor.

Eunice Zhu, Lean In WIBF Circle Leader

“I have been enjoying “working” with Lorena who is part of the Lean In (WIBF) committee. She is a very valuable member of the circle and has been doing an excellent job leading the book club!”

Hui Wang, Zebee Community founder.

Umarrah ‘Tinks’ Javed, former WERKIN Programme Experience Manager.

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