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PROGRAMME

PROGRAMA

Madrid, Spain10-11 May 2012

OECD - Spain Conference on Financial Education

Conferencia OCDE-España sobre Educación Financiera

“Próximos retos: de la política a las prácticas eficientes”

“Challenges Ahead: Turning Policy Guidance into Efficient Practices”

with the support of the Russian/World Bank/OECD Trust Fund

OECD-Spain“Challenges Ahead: Turning Policy Guidance into Efficient Practices”

2

8:00-8:45 Registration of participants

8:45-8:50 Welcome:Ms. Alicia Valencia, Deputy Director for Financial Support Measures, Ministry of Economy and Competitiveness , Spain

8:50-9:15 Introduction:Mr. André Laboul, Head of the Financial Affairs Division, Chair of the International Network on Financial Education, OECD

Opening Remarks:Mr. Fernando Jiménez Latorre, Secretary of State for Economic and Business Affairs, Ministry of Economy and Competitiveness, Spain

9:15-10:45 Setting the scene:

National Strategies for Financial Education: Preparation, Design and Implementation

Panel Discussion

Moderator: Mr. André Laboul, Head of the Financial Affairs Division, Chair of the International Network on Financial Education, OECD

Panelists:• Ms. Olympia Bover, Head of Microeconomic Information and Analysis Unit, Survey of Household Finances, Banco de España• Mr. Juan Manuel Valle Perena, Head of Banking, Securities and Savings Unit, Ministry of Finance, Mexico • Ms. Anna Zelentsova, Head of Financial Literacy and Financial Education Project, Ministry of Finance, Russian Federation• Ms. Lúcia Leitao, Head of Banking Conduct Supervision Department, Banco de Portugal

Issues:- Preparatory phase and evaluation: identification of needs, the importance of developing baseline surveys- Governance structure: modalities and role of public and other stakeholders- Roadmap, common vision and objectives- Moving from the design to the implementation of the national strategies

10:45-11-00 Special Address: Mr. Julio Segura Sánchez, President, Comisión Nacional del Mercado de Valores (CNMV), Spain

11:00-11:30 Coffee break

11:30-13:00 Looking at the Implementation Side (1/3):

Financial Literacy Communication Campaigns

Session 1 Moderator: Mr. Hidehiko Sogano, Deputy Director-General, Central Bank of Japan

Panelists: • Ms. Diana Crossan, Commissioner, Commission for Financial Literacy and Retirement Income, New Zealand• Ms. Delia Rickard, Senior Executive Leader, Australian Securities and Investments Commission (ASIC), Australia• Mr. K. C. Chakrabarty, Deputy Governor, Reserve Bank of India• Ms. Gloria Caballero Núñez, Financial Education Area, CNMV, Spain

Issues:- Use of various channels and delivery mechanisms- Are innovative tools, social marketing and edutainment efficient?- How to frame the message for various audiences- Can large campaigns go beyond information provision to educate individuals?- Challenges in evaluating campaigns

13:00-14:15 Lunch

DAY 1 – Thursday 10 May 2012

National Strategies and their Implementation


3


How to Make Financial Education Work in Schools

Session 2 Moderator: Ms. Flore-Anne Messy, Senior Policy Expert, OECD

Panelists:• Mr. Xavier Gisbert Da Cruz, General Director of Evaluation and Territorial Cooperation, Ministry of Education, Culture and Sport, Spain• Mr. Olaf Simonse, Project Manager CentiQ, Ministry of Finance, Netherlands • Ms. Annamaria Lusardi, Professor of Economics at Dartmouth College, USA • Ms. Jeroo Billimoria, Executive Director, Child and Youth Finance International, Netherlands• Mr. Antonio Ballabriga, Head of Corporate Responsibility & Reputation, BBVA, Spain

Issues: - OECD/INFE guidelines for financial education in schools- Modalities for the integration of financial education in schools - Extracurricular activities- Role of teachers: training the trainers - Role of the private sector- Evaluation and measuring financial literacy of Youth: PISA Financial Literacy



Promoting Private Sector’ s Involvement in Financial Education While Monitoring Conflicts of Interest

Session 3 Moderator: Mr. Íñigo Fernández de Mesa, General Secretary of the Treasury and Financial Policy, Ministry of Economy and Competitiveness, Spain

Panelists :• Mr. Luis Teijeiro, Head of Regulation and Studies, CECA, Saving Banks Association, Spain• Ms. Victoria Nye, Director of Training and Education, Investment Management Association, United Kingdom

Discussants:• Mr. Julio Carlavilla, Spain and Western Europe Public Affairs Cluster Head, Citi Foundation, Spain• Ms. Carina Szpilka, CEO, ING DIRECT, Spain

Issues :- Financial education as a social responsibility of the industry- Various levels of involvement- Role of national associations and self-regulatory bodies- Public-private partnerships- Development of national and international quality standards

20:00 Cocktail at Bolsa de Madrid


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9:15-9:45 Address: Mr. Guillermo de la Dehesa, Chairman, Foro de Expertos del Instituto Aviva de Ahorro y Pensiones, Spain

9:45-11:00 Improving Long-Term Savings

Roundtable 1 Moderator: Ms. Diana Crossan, Commissioner, Commission for Financial Literacy and Retirement Income, New Zealand

Panelists:• Mr. Francisco de Blas Cruz, Deputy Director of Pension Plans and Funds, Ministry of Economy and Competitiveness, Spain• Mr. Ignacio Izquierdo, CEO, Aviva, Spain• Ms. Sue Lewis, STLC Consultants, United Kingdom

Issues:- Developing long-term saving for pension and other important expenses- Improving the quality and level of information on products (pension, insurance long-term investment)- Helping consumers understand products and make savvy decisions to plan their future: role of financial education - The responsibilities of the private sector- OECD project on financial education, saving and insurance


11:30-12:55 Supporting Responsible Consumer Credit

Roundtable 2 Moderator: Mr. Michael Chapman, Senior Policy Expert, OECD

Panelists: • Mr. David Thomas, Lead Ombudsman (Strategy), Financial Ombudsman Service, United Kingdom• Mr. José María Lamamié de Clairac, Director of Financial Institutions, Banco de España• Ms. Camille Busette, Assistant Director of the Office of Financial Education, Financial Consumer Bureau (CFPB), USA• Mr. Javier Santamaría, Head of Banking Forums, Grupo Santander, Spain

Issues:- Balancing the objective of access to credit while avoiding over indebtedness- Supporting responsible lending- Managing the development of credit cards- OECD Guidelines on financial education and credit

12:55-13:00 Acknowledgments:Ms. Alicia Valencia, Deputy Director for Financial Support Measures, Ministry of Economy and Competitiveness, Spain

13:00-13:30 Closing RemarksMr. Rintaro Tamaki, OECD Deputy Secretary-General Mr. Luis de Guindos Jurado, Minister of Economy and Competitiveness, Spain

DAY 2 – Friday 11 May 2012

Special focus: combining financial consumer protection and educationto support households’ financial wellbeing

OCDE-España “Próximos retos: de la política a las prácticas eficientes”

5

8:00-8:45 Registro de participantes

8:45-8:50 Bienvenida:Dña. Alicia Valencia, Subdirectora General de Medidas de Apoyo Financiero, Ministerio de Economía y Competitividad, España

8:50-9:15 Introducción:D. André Laboul, Jefe de la División de Asuntos Financieros, Presidente de la Red Internacional de Educación Financiera, OCDE

Discurso de Apertura:D. Fernando Jiménez Latorre, Secretario de Estado de Economía y Apoyo a la Empresa, Ministerio de Economía y Competitividad, España

9:15-10:45 Panorama actual:

Estrategias Nacionales de Educación Financiera: Preparación, diseño y ejecución

Panel de Discusión

Moderador: D. André Laboul, Jefe de la División de Asuntos Financieros, Presidente de la Red Internacional de Educación Financiera, OCDE

Ponentes:• Dña. Olympia Bover, Directora de la Unidad de Análisis Microeconómico, Encuesta Financiera de las Familias, Banco de España• D. Juan Manuel Valle Perena, Director de la Unidad de Banca y Ahorro, Ministerio de Hacienda, México • Dña. Anna Zelentsova, Jefa del Proyecto de Educación y Capacitación Financiera, Ministerio de Hacienda, Federación Rusa• Dña. Lúcia Leitao, Directora del Departamento de Supervisión Bancaria, Banco de Portugal

Asuntos:- Fase de preparación y evaluación: identificación de necesidades y la importancia de las encuentas- Estructura de gobernanza: modalidades y el papel de los agentes- Plan de trabajo, visión y objetivos comunes- Del diseño a la puesta en marcha de las estrategias nacionales

10:45-11-00 Intervención Especial: D. Julio Segura Sánchez, Presidente, Comisión Nacional del Mercado de Valores (CNMV), España

11:00-11:30 Pausa para café

11:30-13:00 Fase de ejecución (1/3):

Campañas de Comunicación de Educación Financiera

Sesión 1 Moderador: D. Hidehiko Sogano, Subdirector General, Banco de Japón

Ponentes: • Dña. Diana Crossan, Comisaria, Comisión para la Educación Financiera y Planes de Jubilación, Nueva Zelanda• Dña. Delia Rickard, Directora Ejecutiva Senior, Australian Securities and Investments Commission (ASIC), Australia• D. K. C. Chakrabarty, Vicegobernador, Banco de India• Dña. Gloria Caballero Núñez, Responsable del Área de Educación Financiera y Formación al Inversor, CNMV, España

Asuntos:- Uso de diversos canales y mecanismos de difusión- ¿Son las herramientas innovadoras, el marketing social y de entretenimiento educativo (“edutainment”) eficientes?- Cómo enmarcar el mensaje para diferentes públicos- ¿Pueden las grandes campañas ir más allá de la difusión de información?- Desafíos en la evaluación de las campañas

13:00-14:15 Almuerzo

DÍA 1 – Jueves 10 mayo 2012

Estrategias Nacionales y su ejecución


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Cómo integrar la Educación Financiera en la Escuela

Sesión 2 Moderadora: Dña. Flore-Anne Messy, Experta Senior en Políticas, OCDE

Ponentes:• D. Xavier Gisbert Da Cruz, Director General de Evaluación y Cooperación Territorial, Ministerio de Educación, Cultura y Deporte, España• D. Olaf Simonse, Gerente de Proyecto CentiQ, Ministerio de Hacienda, Países Bajos• Dña. Annamaria Lusardi, Profesora de Economía en el Dartmouth College, EE.UU.• Dña. Jeroo Billimoria, Directora Ejecutiva, Child and Youth Finance International, Países Bajos• D. Antonio Ballabriga, Director de Responsabilidad Corporativa, BBVA, España

Asuntos: - Directrices OCDE/INFE para la educación financiera en la escuela- Modalidades para la integración de la educación financiera en la escuela - Actividades extracurriculares- El papel de los profesores: formación de formadores- El papel del sector privado- Evaluación y medición de la formación financiera de la Juventud: informe PISA



La participación del Sector Privado en la Educación Financiera y los Conflictos de Interés

Sesión 3 Moderador: D. Íñigo Fernández de Mesa, Secretario General del Tesoro y Política Financiera, Ministerio de Economía y Competitividad, España

Ponentes :• D. Luis Teijeiro, Director de Regulación y Estudios, Confederación Española de Cajas de Ahorro (CECA), España• Dña. Victoria Nye, Directora de Formación y Educación, Asociación de Gestión de Inversiones, Reino Unido

Discusión:• D. Julio Carlavilla, Dirección de Comunicación para España y Europa Occidental, Fundación Citi, España• Dña. Carina Szpilka, CEO, ING DIRECT, España

Asuntos :- La educación financiera y la responsabilidad social- Distintos niveles de participación- El papel de las asociaciones nacionales y de los órganos de autorregulación- Asociaciones público-privadas- Desarrollo de estándares nacionales e internacionales de calidad

20:00 Cocktail en la Bolsa de Madrid


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9:15-9:45 Intervención: D. Guillermo de la Dehesa, Presidente del Foro de Expertos del Instituto Aviva de Ahorro y Pensiones, España

9:45-11:00 Fomento del ahorro a largo plazo

Mesa 1 Moderadora: Dña. Diana Crossan, Comisaria, Comisión para la Educación Financiera y Planes de Jubilación, Nueva Zelanda

Ponentes:• D. Francisco de Blas Cruz, Subdirector General de Planes y Fondos de Pensiones, Ministerio de Economía y Competitividad, España• D. Ignacio Izquierdo, CEO, Aviva, España• Dña. Sue Lewis, STLC Consultants, Reino Unido

Asuntos:- Ahorrando para la pensión y otros gastos importantes- La mejora de la calidad y el nivel de información sobre los productos (pensiones, seguros de inversión a largo plazo)- Ayudando a los consumidores a entender los productos y a tomar decisiones sensatas para planificar su futuro: el papel de los programas de educación financiera- Las responsabilidades del sector privado- Proyecto de la OCDE sobre la educación financiera y el ahorro


11:30-12:55 Apoyo al Crédito al Consumo Responsable

Mesa 2 Moderador: D. Michael Chapman, Experto Senior en Políticas, OCDE

Ponentes: • D. David Thomas, Financial Ombudsman Service, Reino Unido• D. José María Lamamié de Clairac, Director del Departamento de Instituciones Financieras, Banco de España• Dña. Camille Busette, Directora del Financial Consumer Bureau (CFPB), Oficina de Educación Financiera, EE.UU.• D. Javier Santamaría, Director de Foros Bancarios, Grupo Santander, España

Asuntos:- Equilibrio entre el acceso al crédito y evitar el sobreendeudamiento- Apoyo al préstamo responsable- Desarrollo de las tarjetas de crédito- Directrices de la OCDE sobre la educación financiera y el crédito

12:55-13:00 Agradecimientos:Dña. Alicia Valencia, Subdirectora General de Medidas de Apoyo Financiero, Ministerio de Economía y Competitividad, España

13:00-13:30 Comentarios de ClausuraD. Rintaro Tamaki, Secretario General Adjunto de la OCDED. Luis de Guindos Jurado, Ministro de Economía y Competitividad, España

DÍA 2 – Viernes 11 mayo 2012

Combinando la protección del consumidor financiero y la educación para apoyar el bienestar financiero de las familias


8

Ms. Gloria Caballero

After graduating with an Economics degree from the Universidad Autónoma de Madrid, she began working for the CNMV (Comisión Nacional del Mercado de Valores), where she has pursued her professional career.

Before taking on her current responsibilities, as the Responsible of the Financial Education Area, she was Deputy Director of the Supervision Department for a period of 4 years.

Her experience in the Supervision Department has provided her with a wide vision of aspects relating to retail investor protection.

Mr. Antonio Ballabriga

Head of Corporate Responsibility & Reputation at BBVA, currently reporting to the Chairman and Board of Directors in this matter.

CEO of Momentum Social Investment, a impact investment fund of 3 MM€ to finance social business in their scalability.

Member of Steering Committee of Global Compact LEAD.

Former President of SpainSIF Spanish Forum for Socially Responsible Investment.

He holds a Degree in Business Sciences and Master in Business Administration from ESADE.

He has also studied strategy and CSR at Harvard Business School.

Antoni is a First Mover Fellow of the Business & Society Program at The Aspen Institute.

Ms. Jeroo Billimoria

Jeroo Billimoria is Managing Director of Child and Youth Finance International (CYFI). Jeroo is considered among the world’s leading social entrepreneurs and is now working on her ninth entrepreneurial venture. She is a Skoll awardee, and an Ashoka and Schwab Fellow. Among her organizations are Childline India and ChildHelpline International which have facilitated a global movement for protection of children and youth and which are up and running in more than 120 countries – having responded to over 160 million calls. Her other organization, Aflatoun, has been recognized among the world’s top 50 NGOs. In a space of three short years, Aflatoun succeeded in working with global partners to provide social and financial education to over 1 million children in 83 countries. Jeroo is now heading CYFI for building a ChildFinance movement to ensure financial inclusion and ChildFinance Education for 100 million children and youth in 100 countries by 2015.

Ms. Olympia Bover

Olympia Bover is an economist at the Research Division of the Banco de España where she heads the Unit of Microeconomic Information and Analysis, and is in charge of the Spanish Survey of Household Finances (EFF). Previously, she was a Research Fellow at Nuffield College, Oxford, and at the Centre for Economic Performance at the LSE. She is a graduate from the University of Barcelona and holds a Ph.D. from the London School of Economics. Her research includes empirical interests in housing markets, household finance, labour supply, unemployment, wages, and consumer and migration behaviour. She also has methodological interests in panel data analysis, duration models, and discrete choice. She is an Associate Member of Nuffield College, Oxford, an International Research Associate at the Institute for Fiscal Studies, London, and a Research Fellow of CEPR and IZA. She is currently President of the Spanish Economic Association.

Ms. Camille Busette

Camille Busette serves as the CFPB’s Assistant Director of the Office of Financial Education. Before joining the Bureau, Camille was a Senior Fellow at the Center for American Progress where she focused on financial opportunities for low income populations. Prior to her tenure at the Center for American Progress, Camille served as Vice President of EARN, the leading non-profit provider of micro savings services to low income families in the U.S. Before she assumed her responsibilities at EARN, Camille was the Deputy Director of Government Relations for PayPal where she managed PayPal’s regulatory advocacy globally. Prior to joining PayPal, she headed the privacy function at Intuit, and the consumer and market research division at NextCard. Camille is a former Ford Foundation Post-doctoral Research Fellow, and holds a Ph.D. in Political Science from the University of Chicago.


9

Mr. Julio Carlavilla

Julio Carlavilla is the Public Affairs Officer of Citi in Spain and is a member of the Country Coordinating Committee. From December 2011, Julio is Cluster Head for Western Europe.

Before joining Citi in January 2007, Julio Carlavilla had assumed various responsibilities in BNP Paribas in Spain since its incorporation in June 1992 as Head of Corporate Banking. In January 1996, he was appointed Director of Operations, at the Securities Services division, and in July 1997, Head of Corporate Communications.

From December 1996 to December 2004, was member of the Board of the Spanish Central Depository (Iberclear) and, from 1998 to December 2004, of its Executive Committee. At BNP Paribas, was also responsible for the Euro, Year 2000 and Internet / Intranet projects for Spain.

Prior to joining Paribas, Carlavilla held from 1982 to 1990 various positions in The Chase Manhattan Bank, NA, Madrid branch. In March 1990, Julio joined The Sanwa Bank Ltd., Madrid branch, as Head of Corporate Banking.

Mr. Kamalesh Chandra Chakrabarty

Deputy Governor

Reserve Bank of India Dr. K.C. Chakrabarty donned the role of a Central Banker on June 15, 2009 by assuming charge of the office of Deputy Governor in Reserve Bank of India. Before taking up the current responsibilities, Dr. Chakrabarty was the Chairman and Managing Director of Punjab National Bank and Indian Bank for two years each. He was also the Chairman of the Indian Banks’ Association (IBA) for a brief period.

Born on June 27, 1952 Dr. Chakrabarty has outstanding academic credentials. He secured the second rank in his Bachelor’s Degree in Science, first rank in M.Sc. Statistics and holds a Doctorate in Statistics from Benaras Hindu University. He started his career as a teacher and researcher at the Benaras Hindu University and went on to have a long and distinguished career of 26 years at the Bank of Baroda. He was the Chief Executive looking after United Kingdom operations of the Bank of Baroda for three years before being elevated as Executive Director of Punjab National Bank in August 2004. Subsequently, Dr. Chakrabarty assumed the Office of CMD of Indian Bank in June 2005 and Punjab National Bank in June 2007 and led from the front to bring a turnaround in both the banks.

Dr. Chakrabarty’s current assignments include guiding and overseeing the areas pertaining to Supervision of Banks, Currency Management, Customer Service, Rural Credit, Human Resource Development and Administration & Personnel Management at the Reserve Bank of India. He represents India in the Committee on the Global Financial Systems (CGFS) constituted by Bank for International Settlements (BIS) as a Member. Dr. Chakrabarty is also the RBI Nominee on the Board of National Bank for Agriculture and Rural Development (NABARD), Chairman of the Bharatiya Reserve Bank Note Mudran Pvt. Ltd. (BRBNMPL) and Chairman of the Advisory Committee of College of Agricultural Banking (CAB).

Dr. Chakrabarty is proficient in English, Hindi, Bengali and Gujarati languages.

Mr. Michael Chapman

Michael Chapman is a senior policy expert with the OECD Financial Education and Consumer Protection Unit. He has responsibility for financial consumer protection work, including G20 work streams and the OECD Financial Consumer Protection Taskforce. He is contributing to the INFE work on credit and financial education.

Previously he ran his own advisory consultancy specialising in financial capability and financial inclusion policy. He was a member of the Scottish Parliament Cross Party Group on Tackling Debt, a Director of his local Citizen Advice Bureau (CAB) and spent three years as a member of the UK Financial Services Consumer Panel. In the past he has been Director of the Scarman Trust in Scotland, Associate Director of the Centre for Research into Socially Inclusive Services, Financial Inclusion Officer for the City of Edinburgh, Senior Research Officer at the Scottish Office and lecturer in urban and regional economics at the School of Planning and Housing, Heriot Watt University.


10

Mr. Francisco de Blas Cruz

Academic data:

- Economics and Business Graduate (C.E.U./Universidad Complutense).

Professional data:

- Government Insurances Inspector- Government Tax Inspector- Technician in Autonomous Organizations of Ministry of Agriculture

Professional career: - Servicio Nacional de Productos Agrícolas- 1982 (Agricultural Products National Service, Ministry of Agriculture). Countable controller.

- Fondo de Ordenación y Regulación de Precios y Producciones Agrícolas 1982-1983 (Ordainment and Regulation of Prices and Agricultural Productions Fund, Ministry of Agriculture). Financial and countable controller.

- Comité de Inversiones Públicas. (Public Investments Committee: budgetary economic analysis of public investments). (Treasury and Economy Department). 1983-1993. Analyst.

- Dirección General de Seguros y Fondos de Pensiones-Ministerio de Economía. Inspección de compañías de seguros (1993-2003)-Coordinador de inspección (2003-2005). (General Directorate of Insurance and Pensions Economy Department. Inspection of insurance companies(1993-2003)- Inspection Coordinator (2003-2005)).

- Subdirector General de Planes y Fondos de Pensiones. Dirección General de Seguros y Fondos de Pensiones. 2005 (Deputy Director of Pensions Plans and Funds. General Directorate of Insurances and Pensions. 2005).

Ms. Diana Crossan

Diana Crossan has been the Retirement Commissioner since February 2003, a parttime position she was appointed to after working extensively in the private and public sectors.

One of the Retirement Commission’s key roles is to lift the financial knowledge of New Zealanders aged five to 105. The Commission is also responsible for providing advice to the Government regarding New Zealand’s retirement income policies, and overseeing legislation regarding retirement villages. The Retirement Commissioner represents New Zealand at the OECD International Network on Financial Education. She is on the advisory committee, is a member of the schools subgroup and chair of the working group on evaluating financial education programmes.

During her time at the Retirement Commission, Diana has overseen many innovations, including the expansion of the Commission’s flagship website, Sorted.org.nz, and a long-term strategy to have personal financial education taught in all New Zealand schools.

Diana came to the Retirement Commissioner role after a varied career that began with 13 years as a probation officer, following her graduation from Otago University and the University of Wales.

Since then she’s filled senior roles in the State Services Commission, the Ministry of Education and the Department of Justice, and was involved in setting up the electricity State Owned Enterprise that became Contact Energy. She spent some time as the General Manager of the Clyde and Roxburgh hydro dams. After working as a management consultant, she joined the financial services company, AMP. That took her to the United Kingdom in 2000, where she led a team charged with changing the distribution system in AMP-owned financial services companies.

Diana is on the board of Refugees in Business and was the Chair of the Advisory Committee for the New Zealand Institute for Research on Ageing, Victoria University of Wellington until it was incorporated into the university’s Institute of Policy Studies in 2009. Diana is the Chair of Ngāi Tahu’s saving scheme Whai Rawa Ltd and a former Director of New Zealand Post and Mighty River Power Ltd.


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Mr. Luis de Guindos Jurado

- Bachelor in Economics and Business- CUNEF. Graduated with Honours - Universidad Complutense de Madrid. Economist and Commercial Technician of the State

- Spanish Secretary of State for Economic Affairs, responsible for economic, competition and financial policy as well as the regulation and supervision of the insurance sector. He has held a number of senior posts in the Ministry of Economy and Finance including Secretary General for Economic and Competition Policy. Presidency of the EU and Head of the Spanish Delegation to Economic Policy Committee of the OECD.

- He has significant private sector experience having been Chief Executive Officer of AB Asesores , CEO for Spain & Portugal for Lehman Brothers and for Nomura Securities and Senior Partner at PricewaterhouseCoopers, Responsible for Financial Services.

- Director of the Center for Finance of PwC and IE Business School

- Board Member of Endesa, S.A., Endesa Chile, Unedisa, Logista, BMN

- At Present – Minister of Economy and Competitiveness

Mr. Guillermo de la Dehesa

Born in Madrid (Spain), on the 9th of July 1941, he studied Law at the Universidad Complutense, Madrid (1959-1963) and Economics at Universidad Complutense, Madrid (1964-1967). He is Government Economist since 1968 and Banco de España (Central Bank) economist since 1980. He speaks fluently English and French and has a working knowledge in Italian and Portuguese. His professional career has been developed both, in the public sector and in the private one, and has a prominent role in several non-profit corporations and organizations. Apart from being director at the Boards of several Government owned companies and Institutions, he was:

- Secretary General at the Ministry of Industry and Energy (1978-1980)- Managing Director of Foreign Currency Assets Management and International Relations at the Bank of Spain (1980-1982)-Deputy Secretary of Commerce at the Ministry of Economy and Finance (1982-1986)- Secretary of State of Economy and Finance and Secretary of the Special Council of Ministers for Economic Affairs (1986-1988)- Member of the OECD Council of Ministers (1986-1988)- Deputy Governor of the International Monetary Fund and of the World Bank- Governor of the Inter American Development Bank, Asian Development Bank and African Development Bank

Also, he has a broad experience in the private sector as, among others, Chief Executive Officer of Banco Pastor (1988 to 1995), Chairman of Gas Madrid (1988 to1991), Chairman and later Honorary Chairman of the High Council of Chambers of Commerce Industry and Navigation of Spain, since 1991, or Chairman of Plus Ultra (1999 to 2002). At present, he is:

- International Advisor, Goldman Sachs & Co. since 1988- Independent Director and member of the Executive Committee of Santander Group since 2002- Vice Chairman and independent director of Amadeus IT Holding (IT) since 2010- Chairman of Aviva Corporación in Spain (Insurance) since 2002- Independent Director of Campofrío Food Group CFG since 1997- Member of the European Advisory Board of Eli Lilly (Pharma), since 2000- Chairman of the Trustees of the Reina Sofía Museum of Contemporary Art

Main academic activities:- Chairman of the Centre for Economic Policy Research (CEPR) in London, since 1999- Chairman of the Board of the IE Business School, Madrid, since 2002- Chairman of the “Observatorio del BCE”, European Central Bank “Watcher”, Madrid, Since 1999- Chairman of NEREC, Network of Economic Research on Electronic Communications, Madrid, since 2007- Member of the “Group of Thirty” G30 in Washington, since 1989 and previously also a Trustee- Member of the Palais Royal Initiative, 2011- Member of the Bretton Woods Commitee, in Washington, since 1995- Member of the Euro 50 Group, in Brussels, since 2000- Monetary Expert of the Economic and Monetary Committee of the European Parliament, since 2001


12

Mr. Íñigo Fernández de Mesa Vargas

General Secretary of the Treasury and Financial Policy.

Ministry of Economy and Competitiveness.

1990- MA Economics, Madrid University.

1992- Economist of the State and trade specialist: Highest degree on economics awarded by the Ministry of Economy and Finance.

1992-1996. Senior Advisor for International Financing, Ministry of Economy and Finance.

1996-1999. Alternate Executive Director World Bank Group, Washington DC (representing Spain, Mexico, Venezuela, and Central America).

1999-2006 Deputy Director General of the Spanish Treasury.Executive Director European Investment Bank (EIB).Executive Director European Investment Fund (EIF).Head of Delegation of Paris Club.Member of the Economic and Financial Committee of the European Union.Responsible for the Changeover to the euro in Spain.

2006-2008 Lehman Brothers, Head Public Sector Iberia.

Dic-2008 – Dic-2011 Barclays Capital. Managing Director, Head of Spanish Public Sector.

Dic-2011 General Secretary of the Treasury and Financial Policy.

Mr. Xavier Gisbert Da Cruz

Director General of Evaluation and Territorial Cooperation at the Ministry of Education, Culture and Sport, Spain.

Xavier Gisbert Da Cruz has a degree in French Philology from the Complutense University of Madrid and is Professor of French. He has carried out most of his teaching career in different secondary education schools in Andalucía and Madrid. From 1997 to 2000 he held posts in the Ministry of Education, Sports and Culture such as Head of the Cabinet of the General Secretary of Education. After a short period in the National Institute for Assesment and Quality of the Education System (INECSE), he was appointed Counselor of Education at the Spanish Embassy inLondon and Dublin, post that he held until 2004. He later headed the Regional Centre of Innovation and Training “Las Acacias” and, from 2007 to 2011, he has been Director General for Quality Improvement in Teaching of the Department of Education of the Madrid Regional Government. Now, he is the Director General of Evaluation and Territorial Cooperation at the Ministry of Education, Culture and Sport in Spain.

During his stay in the United Kingdom, he was a member of the “International Learning and Research Centre Advisory Committee” and the “MFL Consultative Committee for ITT”. He has directed and taught in service-training courses, many of them related with language teaching and learning. He has also directed publications and studies such as“Estrategia Nacional de Lenguas para Inglaterra”, “Reforma Educativa en Inglaterra. Etapa 14-19”, “La Dirección de los Centros Escolares”, “Institutos Especializados en Inglaterra”, “El País de Gales. Sistema Educativo”, “Irlanda del Norte. Sistema Educativo”. Xavier Gisbert has published different articles concerning education and his experience in both the national and international field is outstanding.


13

Mr. Ignacio Izquierdo Saugar

Professional History

Ignacio Izquierdo is AVIVA Spain Chief Executive Officer since January 2009.

He is member of Aviva Corporación and Aviva Vida y Pensiones Boards. He is also member of the Boards of the life companies created as join ventures with six Spanish Cajas de Ahorro, related below:

- Aseval (50% Bancaja)- Unicorp Vida (50% Unicaja)- Caja España Vida (50% Caja España)- Caja Murcia Vida (50% Caja Murcia)- Caja Granada Vida (50% Caja Granada)- CxG AVIVA (50% Caixa Galicia)- Pelayo Vida (50% Mutua Pelayo)

Previously he worked for more than 12 years in the Santander Group, performing different management roles of responsabilities, mainly related with the Asset Management, Insurance and Wealth Management Business.

Education

- International Trading Graduate- Bachelor in Marketing and Sales Management Degree- MASTER in Finance

Mr. Fernando Jiménez Latorre

Secretary of State for Economic and Business Affairs

Born August 5th, 1957.

Education

- State Economist and Trade Expert. - Bachelor of Economics, Universidad Complutense de Madrid.

Professional Experience

- December 2011: Secretary of State for Economic and Business Affairs, Ministry for Economic Affairs and Competitiveness. - 2004-2011: Associate Director at NERA Economic Consulting (Marsh & McLennan Companies), and leads NERA’s Competition Policy Group in Madrid with expertise in the following areas: Antitrust and Competi- tion; Survey Research, Design, and Analysis; and Valuation.- 2002-2004: Director General of the Spanish Competition Policy Authority.- 2000-2002: Deputy Director of International Economy.- 1998-2000: Deputy Director of Economic Policy and International Economy.- 1993-1998: Economic Counsellor in Spain’s Permanent Representation to the European Union in Brussels.- 1989-1993: Advisor to the Minister of Economy and Finance.- 1986-1989: Head of Studies at The Economic and Commercial Studies Center.


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Mr. André Laboul

Head of the OECD Financial Affairs Division

Secretary General of the International Organisation of Pension Supervisors

Chairman of the International Network on Financial Education

André Laboul is the Head of the Financial Affairs Division at the Organisation for Economic Co-operation and Development (OECD). This Division is responsible for financial markets, private insurance and private pensions issues and services the eight OECD financial Committees and Groups (including the OECD Committee on Financial Markets and the OECD Committee on Insurance and Private Pensions).

Mr Laboul is also Secretary General of the International Organisation of Pensions Supervisors (IOPS), Chairman of the International Network on Financial Education (INFE) and Managing Editor of the Journal of Pension Economics and Finance, edited by Cambridge University Press. He is also currently expert to various bodies, including the European Commission Group of Experts on Financial Education.

Mr Laboul wrote the first major international studies on bank/insurance and on regulation of private pensions and was instrumental in the development of various major international policy projects by the OECD, including on financial education, terrorism insurance, financial management of catastrophic risks and financial risk transfers.

Before joining the OECD, he worked in Belgium at the Centre for European Policy Studies (CEPS), the Centre for Law and Economic Research (CRIDE) and the Prime Minister Services for Science Policy.

Mr Laboul is both an Economist and a Lawyer, with degrees from the universities of Liège and Louvain-La-Neuve.

Mr. José María Lamamié de Clairac

Director of Financial Institutions

Directorate General Banking Regulation

Banco de España

Born in Madrid, is a graduate in Law from Deusto University and in Business Administration from the ICADE (Catholic Institute for Business Administration).

He joined the Banco de España in 1981 as a bank examiner in the General Directorate of Supervision where he has hold different posts and responsibilities.

Since 2006 he is Director of Financial Institutions in the Directorate General Regulation, where his main duties relate to the national implementation of European and relevant international regulation, as well as to participating in the different stages of the regulatory process both at the European Union and the domestic levels.

He represents the Banco de España in several committees at domestic and international level, and since end-2007 he is also co-chair of the working group in charge of implementing the Financial Education Plan (a joint initiative of the Banco de España and the Spanish Securities Markets Commission).


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Ms. Lúcia Leitão

Ms. Lúcia Leitão is the Head of Banking Conduct Supervision Department at the Banco de Portugal. This Department is responsible for the regulation and supervision of the conduct of credit institutions in the relationship with their customers as regards selling practices and disclosure of information on retail banking products and services. This Department is also responsible for strengthening the rules of conduct and transparency to be complied with by credit institutions and for implementing initiatives regarding the supply of information to bank customers and the promote on of financial literacy.

Ms. Lúcia Leitão was appointed in June 2007 as Deputy Head of Banking Supervision Department in change of the banking conduct mandate assigned to the Banco de Portugal. In January 2011 she took the role of Head of the new Banking Conduct Supervision Department, one of the departments in which the former Banking Supervision Department split. The Banco de Portugal is the institution in Portugal in charge of banking supervision.

Ms. Lúcia Leitão is also the manager of the Coordinating Committee of the National Plan for Financial Education (PNFF), which embodies the strategy for improving financial literacy in Portugal. The National Plan is an initiative of the National Council of Financial Supervisors (the Central Bank of Portugal, the Portuguese Securities Market Commission and the Insurance and Pension Funds Supervisory Authority) which aims to promote and coordinate the action of a very large number of public and private stakeholders committed to the national strategy.

She had a long career in the area of financial markets, as an asset manager and a liability manager. Among different positions she was Head of Department at the Portuguese Debt Agency as well as Chairman and CEO of MTS Portugal, the Portuguese regulated market for public debt. She joined the Banco de Portugal in 1986 after some years working for the Ministry of Finance as macroeconomist.

She holds a degree in Economics from the Technical University of Lisbon, in 1974, and post-graduated in European Studies from the Catholic University of Lisbon, in 1981.

Ms. Sue Lewis

Sue Lewis is an independent consultant, advising policymakers on financial education, financial inclusion and other consumer aspects of the market for retail financial services. Sue is also a trustee of the Personal Finance Education Group (pfeg), a UK charity which promotes and supports personal finance education in schools, and the consumer advocate member of the UK Chartered Insurance Institute Professional Standards Board.

Prior to starting her own consultancy, Sue held a number of senior roles in the UK civil service, in the Treasury, Department for Education and the Cabinet Office.

Most recently, as Head of Savings and Investments in the UK Treasury, Sue advised government ministers on financial education, financial inclusion, mutual financial institutions, institutional investment, and regulation of financial products. Her earlier roles include leading policy on early years, children and young people, and gender equality issues. Sue also led the Cruickshank Banking Review team, an independent review which examined competition in banking markets.

Sue has a Bachelor of Science degree in Mathematics from the University of London and a Masters degree in statistical methods from City University, London.


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Ms. Annamaria Lusardi

Annamaria Lusardi is the Director of the Financial Literacy Center, a joint Center of Rand, Dartmouth College, and the Wharton School, created with the support of the Social Security Administration. She has taught at Dartmouth College, Princeton University, the University of Chicago Public Policy School, the University of Chicago Booth School of Business, and Columbia Business School. In 2008 she was a visiting scholar at Harvard Business School. She is currently at the George Washington School of Business. She holds a Ph.D. degree in economics from Princeton University.

Dr. Lusardi’s main areas of research are financial literacy and financial education, saving, Social Security and pensions. Her book, Overcoming the saving slump: How to increase the effectiveness of financial education and saving programs, was published by the University of Chicago Press in 2008. Dr. Lusardi has won numerous research awards. Among them is a research fellowship from the Irving B. Harris Graduate School of Public Policy Studies at the University of Chicago, a faculty fellowship from the John M. Olin Foundation, and a junior and senior faculty fellowship from Dartmouth College. She is the recipient of the Fidelity Pyramid Prize, awarded to authors of published applied research that best helps address the goal of improving lifelong financial well-being for Americans.

She is a member of the Technical Review Committee for the Bureau of Labor Statistics’ National Longitudinal Surveys Program, a member of the Advisory Board of the Pension Research Council at the Wharton School, and a member of the Scientific Committee of the Center for Research on Pensions and Welfare Policies (CeRP), Turin, Italy. Moreover, she has advised the U.S. Treasury, the U.S. Social Security Administration, the Dutch Central Bank, and the Dartmouth Hitchcock Medical Center on issues related to financial literacy and saving. She is also the consultant to the Subgroup on the Evaluation of Financial Education Programs, International Network on Financial Education at the OECD.

Ms. Flore-Anne Messy

Principal Administrator

Financial Affairs Division

Directorate for Financial and Enterprise Affairs, OECD

Ms. Flore-Anne MESSY is Senior Policy Expert in the Directorate for Financial and Enterprise Affairs of the Organisation for Economic Co-operation and Development (OECD).

She is responsible for the OECD financial education project and is the Executive Secretary of the International Network on Financial Education and its dedicated website the OECD International Gateway for Financial Education (www.financial-education.org).

She joined the OECD in June 2000 originally to work and develop the activities of the Secretariat for the Insurance and Private Pensions Committee (IPPC). As such, she was in charge of a series of projects in the financial sector including the governance of insurers; the financial management of large-scale catastrophes; work related to ageing and insurance; private financing of health care and the coverage of medical malpractice. Prior to the OECD she worked at Deloitte and Touche Tomatsu Audit Paris, in the insurance and banking field. She graduated from the Institute of Political Studies of Paris and received her thesis in international economies from University Pantheon-Sorbonne of Paris in 1998.


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Ms. Victoria Nye Director, Training and Education

Investment Management Association (IMA)

Biography

Victoria represents the UK asset management industry on consumer education, information and generic advice. She is responsible for policy on “financial capability” and consumer communications on investment funds.

In 1997 she was a founder of the Personal Finance Education Group (Pfeg) campaigning for more lessons in schools and is still a trustee of this leading charity. She was a member of the European Commission’s Expert Group on Financial Education from 2008 to 2011.

Victoria’s role is also to improve professionalism in amongst the association’s 150 member firms and to increase business awareness among policy makers and regulators. IMA runs workshops, seminars and training courses. It also inputs to qualifications development.

Prior to IMA, Victoria worked for Fidelity Investments, as an investment analyst and has a MA in Politics, Philosophy and Economics from Oxford University.

Ms. Delia Rickard

Senior Executive Leader, Consumers, Advisers and Retail Investors, ASIC

Delia Rickard has over 20 years of experience working in the area of consumer protection and financial services. She joined the Australian Securities and Investments Commission in 1999 and is presently their Regional Commissioner for the Australian Capital Territory and also their Senior Executive Leader for Financial Literacy, Consumers, Advisers and Retail Investors, working closely with the consumer sector, industry and other areas of government.

Her present role includes responsibility for leading Australia’s financial literacy work; regulating financial advisers, overseeing dispute resolution systems and a range of co-regulatory initiatives designed to further consumer protection for financial consumers.

In January 2011, Delia was awarded the Australian Public Service Medal for her work in the development of consumer protection for financial services.

Before joining ASIC, Delia ran the Australian Competition and Consumer Commission’s consumer protection branch and also worked on the Secretariat for the Wallis Inquiry into Australia’s financial system.

Mr. Javier Santamaría

Born in Madrid (Spain), Javier has been working in banking since 1992, with a parenthesis spent as advisor to the Ministry of Public Works and Communications in Spain (1996 - 1999). He returned to Banco Santander as head of Operations and Business Services (until 2002). Currently, he represents the Bank in several organisations: European Payments Council (EPC, where he is Chair elect since March 22nd, 2012, and Chair of the SEPA Payment Schemes Working Group since 2009), Euro Banking Association (EBA; member of the Board since 2006), Iberpay (the Spanish Clearing House; member of the Board since 2005), SWIFT cooperative (Director, since 2009).

An engineer by studies and with an MBA degree (INSEAD, 1991), he also continues to be actively involved in academic matters.


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Mr. Olaf Simonse

Olaf Simonse leads the Money Wise Platform and – in this role – is responsible for executing the National Strategy for Financial Education in the Netherlands.

The Money Wise Platform was initiated by the Ministry of Finance in order to coordinate financial education efforts. In the platform, more than 40 partners from the financial sector, government, public information and consumer organisations, and the field of science have joined forces to strengthen the consumer’s position in the financial domain. Each contributes to the effort from its own role and responsibilities. In September 2010, Her Royal Highness Princess Máxima of the Netherlands assumed the role of Honorary Chair of the Money Wise platform.

Working toward financial self-sufficiency for consumers is a matter of requiring long-term, consistent effort. With the Money Wise Action Plan, the partners seek to add an extra impulse to strengthening the consumer’s position. This is done by joining forces in projects and programs such as the National Money Week, the Pension3day, a financial education website and activities aimed at increasing awareness.

Mr. Julio Segura

Mr Julio Segura joined the Spanish Securities and Exchange Commission (CNMV) in 2006 where he was appointed first Commissioner and, in May 2007, Chairman.

He is also member of the Spanish Royal Academy of Moral and Political Sciences since 1971 and Professor of Economic Theory at the Universidad Complutense (Madrid) since 1970.

Prior to joining the CNMV, Mr Segura held since 1990 the position of member of the Governing Council of the Bank of Spain (Banco de España). Before then, since 1974, he was Director of the Program for Economic Research at the Fundación INI (National Industry Institute).

Mr. Segura gained its position as State Statistician (government- accredited public servant) in 1966 and held several positions, dealing with economic studies, in the Spanish National Statistics Institute (Instituto Nacional de Estádistica) until 1971.

He has always been actively involved in the academic field specially in the area of economic research. He taught at the Centre for Monetary and Financial Studies (CEMFI) from 1988 to 2006, he was Director of the Economic School of the Menéndez Pelayo International University (1998-2003) and Director of Fundación Empresa Pública (1983-1988).

Mr Segura has published and edited more than 20 books, participated in over 30 joint publications and published over 80 articles in professional journals on financial and monetary issues.

Julio Segura studied Economics at Universidad Complutense (Madrid) where he graduated in 1965 and obtained a Ph.D, with mark of distinction, in 1968.

Mr. Hidehiko Sogano

Deputy Director-General

Financial Markets Department

International Department

Bank of Japan

Hidehiko Sogano graduated from Keio University in 1983 and joined the Bank of Japan. In his 27 years career at the BOJ, he has worked in the Financial Markets Department, International Department, Bank’s Management Office and Public Relations Department. In 1991 he was named Deputy Representative of the Representative Office of Japan Center for International Finance in Brussels. He was appointed in 2006 to Branch Manager of Naha (Okinawa) Branch. Since July 2009 he is Deputy Director-General in the Financial Markets Department and the International Department.

He received a BA in Economics from Keio University in 1983 and his certificate from the Institut d’Etudes Politiques de Paris in 1989.

He is currently a member of the Committee on the Global Finance System of the BIS and a Vice Chairman of the Committee of the Financial Market of the OECD.

He was born in Tokyo in 1960 and has married Chizuko in 1986.


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Ms. Carina Szpilka

CEOING DIRECT Spain

Carina Szpilka, Spanish born in 1968, is married and has three daughters. On 1st September 2010 she became the new CEO of ING DIRECT Spain, assuming the highest responsibility after 13 years working in the bank.

Among her international responsibilities, thanks to her extensive experience in the bank, it is worth mentioning her memberships in the Advisory Board of ING Direct European Treasury, the Advisory Board of ING Bank in Romania and the Advisory Board of ING Direct Spain.

Education

- Degree in Business Administration (E-2), ICADE (Madrid 1991)- Executive MBA in Instituto de Empresa (Madrid 1996)

Career

Carina Szpilka started her professional career at 22 in Banco Santander de Negocios. Later on, she joined Argentaria in the Alternative Channels area, where she became the highest responsible for telephone banking strategy.

This experience took her in 1998 to the founding team of ING DIRECT in Spain as VP of Customer Services and Sales and, six years later, as VP Mortgage Business Line. In October 2007, she jumped to the position of Deputy CEO of the bank until her appointment as CEO of ING DIRECT France, a position she held until September 2010, heading the transformation of ING DIRECT France from a savings bank to a complete one, with the launch of the payroll account and mortgages project.

From 2008 – 2011 she was a member of the Supervisory Board of the German mortgage broker Interhyp, run by ING DiBa (subsidiary of ING DIRECT in Germany).

Others

Since 2010 she is Member of the Management Boards of Instituto Español de Analistas Financieros and of ADigital (Asociación de la Economía Digital) as well as Member of Madrid Chapter at YPO (Young Presidents Organization).

Mr. Rinato Tamaki

Deputy Secretary General, OECD

Mr. Rintaro Tamaki was appointed Deputy Secretary-General of the OECD on August 1, 2011. His portfolio includes the strategic direction of OECD policy on Environment, Development, Green Growth, Financial Affairs and Taxes.

Prior to joining the OECD Mr. Tamaki, a Japanese national, was Vice-Minister of Finance for International Affairs at the Ministry of Finance, Government of Japan.

During his prominent 35-year career at the Japanese Ministry of Finance, Mr. Tamaki has worked on various budget, taxation, international finance and development issues. He worked as part of the OECD Secretariat from 1978 – 1980 in the Economic Prospects Division and from 1983 – 1986 in the Fiscal Affairs Division of the Directorate for Financial, Fiscal and Enterprise Affairs (DAFFE). In 1994 Mr. Tamaki was posted to the World Bank as Alternate Executive Director for Japan and in 2002 as Finance Minister at the Embassy of Japan in Washington DC. He then became Deputy Director-General (2005), before becoming Director-General (2007) and subsequently Vice-Minister for International Affairs (2009) at the Ministry of Finance.

Mr. Tamaki graduated in 1976, L.L.B. from the University of Tokyo and has held academic positions at the University of Tokyo and Kobe University. He has published books and articles on international institutions, the international monetary system, development, debt and taxation.


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Mr. David Thomas

David Thomas qualified as a lawyer and worked in private legal practice for 29 years. In 1997 he became the banking ombudsman.

On the creation of the unified Financial Ombudsman Service, he became corporate director and principal ombudsman. From 2009 to 2010 he was chief ombudsman and chief executive.

In active retirement, David Thomas is:

- adviser on strategy at the statutory Financial Ombudsman Service, which covers consumer complaints against all types of financial businesses in the United Kingdom;- a non-executive director of the statutory Legal Ombudsman, which covers consumer complaints against all types of lawyers and legal businesses in England and Wales;- independent reviewer of service complaints against the Scottish Public Services Ombudsman, which covers complaints against the Scottish government, health service, local authorities and other public bodies; and- a member of the governing Council of Queen Mary, University of London (including Barts and the Royal London Medical School) and chairman of its Audit and Risk Committee.

He has extensive international experience. He:

- is chairman of INFO (the worldwide network of financial ombudsmen, with 50 member schemes in 33 countries);- was for six years a member of the steering committee of FIN-NET (the European Union network of financial ombudsmen);- has co-authored two reports for The World Bank on resolving disputes between consumers and financial businesses; and- has advised and/or given seminars on complaint-handling in more than 20 countries worldwide.

Mr. Luis Teijeiro Pita da Veiga

Head of Regulation and Research at the Spanish Confederation of Saving Banks (CECA) since March, 2010, in charge of the following departments: Regulation, Research, Regulatory reporting, Social Responsibility and Innovation and Interest Representation. He is a member of the Financial Regulation Committee and the Supervision and Capital Adequacy Committee at the European Saving Banks Association (ESBG), and member of the Economy Commission at the Spanish Confederation of Employer’s Organizations (CEOE). He is also Assistant Professor of Financial Economics at Carlos III University in Madrid, and teacher at the Saving Banks Business School (ESCA). Before joining CECA, he spent more than eleven years as a consultant to financial institutions, both in Accenture (1999-2007) and Afi (2007-2010). Luis has a bachelor’s degree in Economics and Business Administration, a Master in Banking and Finance and has completed doctoral courses in Financial Economics.

Ms. Alicia Valencia García

Deputy Director for Financial Support Measures

General Secretariat of the Treasury and Financial Policy

Ministry of Economy and Competitiveness

Born in Madrid, she has a Degree in Economics (Universidad Autónoma de Madrid, 1984) and a Master on Public Finance, Public Expenditure and Economic Programming (Instituto de Estudios Fiscales, 1989).

She joined the Ministry of Economics and Finance in 1985 and, since March 2002, she has developed different tasks in the Spanish Treasury, where she is Deputy Director for Financial Support Measures at present.

At international level, she has participated in different financial education initiatives and she is the OECD International Network on Financial Education Spanish coordinator since 2008.

She joined the European Commission Expert Group on Financial Education, created to assist the EC in promoting financial education in the EU, in August 2008.


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Mr. Juan Manuel Valle Perena

Head of The Banking, Securities and Savings Unit

Ministry of Finance, Mexico

Juan Manuel Valle Pereña has a Master’s Degree in Economics and Public Policies from the Woodrow Wilson School of Public and International Affairs, Princeton University and Degree in Economics from the Instituto Tecnológico Autónomo de México (ITAM).

Mr. Valle Pereña is Head of the Banking, Securities and Savings Department at the Mexican Ministry of Finance, where he is responsible for designing and implementing public policies to develop the Mexican financial system, including improving access to financial services, strengthening consumer protection and financial education. He is responsible, on behalf of the Ministry, for works at the Financial Stability Board, the G-20 Global Partnership for Financial Inclusion and the Committee on Financial Markets of the OECD.

Mr. Valle Pereña has a distinguished career in the public sector. He has worked at the National Commission for the Pension System, regulator and supervisor of Mexico´s pension system, at the Institute for the Protection of Bank Savings, which is Mexico’s deposit insurance agency, and at Financiera Rural, a development bank focused on economic programs for rural areas. He has contributed to many legal reforms in Mexico’s financial system.

Ms. Anna Zelentsova

Anna Zelentsova is the Head of the project consultancy group assigned by the Russian Ministry of Finance to implement the National Financial Literacy Program running in the partnership with the World Bank. Anna is the Member of the OECD-INFE Advisory Council. From 2012 she also represents Russia as Co-Chair of the G20 Global Partnership for Financial Inclusion.

Anna holds an honor degree in teaching social studies and law and PhD in Education. She also got MA course in public policy and economics at Moscow School of Political Studies as well as MBA course.

Anna was accredited in 2008 by the Overseas Development Institute (UK leading think tank on international development) and the IBLF (internationally recognized leader in cross-sector partnerships) as a professional broker of multi-sector Partnerships for Sustainable Development.

Previously working as the Head of the Russian Branch of the Prince of Wales International Business Leaders Forum (2006-09), she started cross-sectoral partnership initiatives in financial literacy in Russia. She also co-chaired the Coordination Committee on Financial Literacy under the Federal Duma and the Ministry of Finance umbrella aimed to advocate and coordinate public policy initiatives and share best practices.

Anna has about twenty years of experience in managing and participating in various international and national wide projects. She had been written or co-authored over 30 publications, including monographs and text books; her recent publication is the Overview on the International Experience and Russian Practice of the Financial Literacy (2012). Anna holds a number of awards from Russian and international organizations.


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1 Main Entrance / Entrada Principal2 Registration / Acreditaciones3 Conference (Salón Real) / Conferencia (Salón Real) 4 Co�ee / Café5 Lunch / Comida

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Sponsors / Patrocinadores

Main sponsors / Principales patrocinadores

Other collaborators / Otros colaboradores

plan de educaciónfinanciera

OECD - Spain Conference on Financial Education

Conferencia OCDE-España sobre Educación Financiera

“Challenges Ahead: Turning Policy Guidance into Efficient Practices”

“Próximos retos: de la política a las prácticas eficientes”

Madrid, Spain10-11 May 2012

With the support of the Russian/World Bank/OECD Trust Fund

programme programa oecd - spain conference on financial ... · oecd - spain conference on financial...

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