Nora Gavira Durón holds an Economic Science Phd Instituto Politécnico Nacional, graduated with honors. Masters on Systems Engineering from Universidad Nacional Autónoma de México. Masters in Finance from Instituto de Estudios Universitarios de Puebla. Bachelor degree on Actuary from Universidad Nacional Autónoma de México. Member of Sistema Nacional de Investigadores (One level) Twelve years consulting experience on the financial sector in firms suchs as, Numeravi Valuación y Análisis de Riesgos (Risk Management Assessment) has assisted as auditor for financial and insurance institutions also has twenty years’ experience as academic for public and private universities also has delivered courses for Comisión Nacional Bancaria y de Valores y Banco de México. Dr. Gavira has written manuals for risk management, market risk, operational risk, credit risk valuation, mitigation and control.