Antonio Gamez Munoz is a highly experienced senior executive and seasoned credit professional with with 28 years of experience in risk management. He joined The Commercial Bank (Qatar) as the Chief Risk Officer in September 2021. Before that, he was the Head of Global Debt Finance Asia-Pacific in the group of Banco Santander based in Hong Kong from March 2021 to September 2021. Prior to that, he served as the Chief Risk Officer Asia-Pacific in Banco Santander based in Hong Kong from January 2018 to March 2021. Between February 2011 and January 2018, he worked as the Deputy Chief Risk Officer in Santander Poland. Before that, he held the position of the Chief Risk Officer in Banco Santander Private Banking from February 2008 to February 2011 and also he held the same title in Banco Santander International Private Banking from May 2004 to February 2008. He also held various other credit and risk positions within the Santander Group between August 1995 and May 2004. Mr. Gamez Munoz holds a Master’s degree in Finance from Instituto de Estudios Bursatiles (Spain) and a Post-Degree in Risk Management from Instituto de Empresa (Spain). He obtained his undergraduate degree in Economics from Universidad de Navarra (Spain).  He joined the Board of Directors of Alternatif Bank in September 2022.