Beatriz Ruiz Velasco De La Garza

Responsible for the operational strategy of the bank through effective communication with businesses, control, and global areas, ensuring service levels and adherence to policies and procedures.

This is achieved through 12 direct report areas, including Core Operation, Transactional Services, Contact Center, Operational Back Office of over 1250 branches and 10 thousand ATMs, Market Operational Back Office, Commercial & Corporate Banking, Consumer Banking, Complaints & Clarifications, Credit and Debit Card Authorization Levels, Fraud Prevention and Collections, all of which adhere to a control system that has ensured all audits in the last three years with positive ratings

Responsible for the operation of Grupo Financiero Scotiabank Mexico, implementing operational strategy, efficiency, operational processes, Fraud Prevention, Collections, Branch Back Office, ATMS, Credit and Debit card issuance and authorizations, Logistics, Real Estate, SMEs, Commercial Business and Corporate Banking operation through the BSC, Bank Complaints and Disputes, Accounting Reconciliation among others.

Responsible for the consumer business in 120 branches distributed in 7 states of the Mexican Republic: Querétaro, SLP, Aguascalientes, Guanajuato, Zacatecas, Hidalgo, Edo de México.

This new department, was built under my leadership, played a crucial role in the operation, administration, and control of the acquisition, placement, and financial services of all the bank's legal entities clients, in the four lines of business of the bank. In this position, I developed an expertise in the creation and modification of end-to-end processes, a function that is integral to our operations.

Responsible for defining and implementing the Commercial/Business Banking business strategy from budgeting, monitoring, and compliance, as well as developing, updating, and implementing commercial banking products.

Responsible for the definition and execution at a national level of the growth in the medium-sized business customer segment, that is, companies with credit requirements up to 10 million pesos and institutional business credit programs, as well as the cross-selling of the bank's products, seeking to root them in the bank and improve their customer experience.

Business Subdirector of the Northern Division (Nuevo Leon, Coahuila, Tamaulipas, Durango, Chihuahua, Sonora, and Baja California Norte), responsible for defining and executing the business strategies of the branch network and business centers in the northern part of the country. In 2002, I was appointed Business Director of the Northern Division.

Responsible for the management, operation, and coordination of the Tecnológico de Monterrey branch, achieving among the best branches in the north of the country both for its results in income, customer growth, and audits with favorable ranking as well as for the leadership obtained with his team.

Responsible for establishing credit lines for companies and their integral attention to all financial services.

Responsible for obtaining financing and government guarantees/collaterals through Nacional Financiera and their administration and management.