Sergio Chalbaud is the CEO & Founder of Fintonic, the number one Virtual Bank in Spain and Latin America. Chalbaud has extensive experience in the financial sector, building high growth companies in addition to 9 years of banking experience. He holds an MBA from the University of Chicago Booth School of Business, is a Chartered Financial Analyst (CFA) and a Financial Risk Manager (FRM). Prior to creating Fintonic, Chalbaud founded IDEON, a technology and consulting firm specializing in the development of innovative financial services solutions backed by his success in Banesto, Santander Group.