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Francisco is a Partner in the Financial Services Advisory group at KPMG with more than 15 years of experience in advising financial institutions. His areas of expertise include analysis and adoption of new trends in the risk and regulatory space from a strategic standpoint (i.e. changes in business models, P&L / Capital impact and optimization, governance and organizational change and evolution). Over the past few years, Francisco has been focused on the Corporate and Investment banking space helping Tier 1 Banks succeed in the implementation of key regulatory developments (i.e. Volcker, Ring-Fence, FRTB, TRIM); he has also been involved in projects for retail banking. He also holds interest in evolving areas like Fintech and industry utilities.