Ricardo is the Managing Director and Head of International Operations and Financial Institutions Group for Grupo Financiero Banorte-Ixe. He formerly worked for Ixe Grupo Financiero as Corporate Director of Treasury and ALCO and previously as Corporate Director of Risk Management for the same Group before being merged with Banorte. He is part of the board of directors of Banorte-Ixe Fondos, and Advisory Director of the Inter National Bank in Texas, Chairman of the Board of Uniteller Transfer Services and also Chairman of Banorte USA. Mr. Velazquez holds an MBA from Texas University and has taught at Universidad Iberoamericana and participated in several ALM and Risk Management seminars as guest speaker. He is also member of the Trade Finance Committee in Mexico, and part of the ICC Mexico.