Management

Joined us in 1999. He has ample experience in the Chilean and international financial industry, having held positions such as Finance Manager of Citibank, Chile, Director of Investment Banking in Citibank, Mexico, Director of Investment Banking at Bank of America, Mexico and General Manager of Tanner Corredores de Chile. He is a civil engineer graduated from the Universidad de Santiago and has participated in management courses in Harvard and London Business School.

Has been with us since 1997. He gained experience in Empresas CMPC in marketing and sales and QUM Marketing y Comunicación in Madrid. He holds a Civil Industrial Engineering degree from Pontificia Universidad Católica de Chile and an MBA from IESE, Spain.

Mr. Spoerer holds a business degree from Universidad de Chile and an MBA from IESE, Spain. He joined Bci on August 1st, 1996, and he has led several areas within the Bci Corporation, such as Corporate & Investment Banking, Wealth Management, Asset Management, FX and Derivatives Sales, Asset Backed Securities and Corporate Market Risk. Currently, he is a member of the board of Bci Asset Management, Bci Securitizadora, Bci Asesorías Financieras and the Mutual Fund Association of Chile. Previously to Bci, he worked for BICE Group.

Joined Bci on April 1st, 2009 as Subgerente de Trading, until becoming Sales & Trading Manager. He has experience in finance managing, both local and international, and has actively contributed in forming and developing the current Sales & Trading division at Bci. Before joining Bci he worked 8 years for Deutsche Bank in Chile. Javier is a commercial engineer graduated from the Universidad de Chile and holds a degree in International Finance from Universitát Mannheim, Germany and graduated from the Advanced Management Program, Universidad de los Andes, Chile.

Has been with us since 2006. He gained experience in Bci Miami, Santander Investment Chile Ltda., American Express Bank and Empresas Jordan S.A. He holds a commercial engineering degree from the Pontificia Universidad Católica de Chile and an MBA at Columbia Business School.

Joined us in 2004 and has held diverse executive positions. He gained experience with the legal firm Carey y Cia. Ltda. He holds a law degree from the Pontificia Universidad Católica de Chile and an MBA from IESE, Spain.

Has been with us since 1985. Prior to taking on the position of Chief Corporate Risk Officer, he served as corporate, real estate and electronic banking manager. He is a member of the board of Bci Factoring, Bci Asesoría Financiera and Bci Securitizadora. He was director of Artikos Subsidiaries. Mr. Le Feuvre holds a commercial engineering degree from the Universidad de Chile and a MBA from the Universidad Adolfo Ibañez.

Joined us in 2006, having spent most of his professional career with Unilever in Chile, Central America and the United States as manager and Director of Human Resources. He holds a degree in commercial engineering from the Universidad Diego Portales and Postgraduates in Management in London and United States.

Civil Engineer from the Pontificia Universidad Católica de Chile, joined us in August, 2015. He has more than 30 years of experience in the national and regional finance sector. He started his career at Citibank, where he was the Chief Operating and Technology Officer for Chile and other countries.

Joined us in June 2011, and became Chief Financial Planning and Control Division on January 1, 2012. He has extensive experience, serving in positions as CFO and VP Finance Technical administrative telecommunications companies like Electrolux, BellSouth, Telefónica and Aramark both in Chile and internationally. He is a Certified Auditor graduated from the Universidad de Chile, and holds an Executive MBA from the Universidad Adolfo Ibañez.

Joined us in 2003 as Process Audit Manager. Mrs. Kutscher has extensive professional experience in the domestic and international financial system, with experience in auditing financial institutions in Chile and in Latin America, developing leadership roles in various areas related to internal audit functions and processes. She is Accountant Auditor IEB graduated in the Universidad de Santiago, holds an MBA from IEDE, Spain and has participated in the Advanced Management Program at Universidad de los Andes.

Joined us in 1987 as Senior Counsel in Acts and Contracts and, then, in 2011, Legal Manager of Corporate & Investment Banking Division. Presently holds the position of General Counsel of Bci. Before joining us, he was Legal Counsel of Ilustre Municipalidad de Valdivia and the Labor Division (Dirección del Trabajo) of Santiago. Mr. Carmash earned his law degree from the Pontificia Universidad Católica de Chile.