Miguel Díez Asenjo is a Group Vice President for Transformation in Retail and Commercial Banking at Santander. With over 15 years of experience in the financial services industry, Miguel specializes in strategic transformation, operating model design, and managing complex global programs. A Harvard Business School graduate, he has held leadership roles at Microsoft, Gartner, and Accenture. Miguel's career has spanned significant roles in driving digital transformation, innovation, and growth for global banks and financial institutions. He is passionate about enabling people and businesses to excel.