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Senior Management

Chief Executive Officer

Eduardo Ebensperger Orrego

Chief Executive Officer since May 2016. Prior to this position, he was our Commercial Division manager from 2014 to 2016 following the merger [...]

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Chief Financial Officer

Rolando Arias Sanchez

Chief Financial Officer since June 2014. Prior to this position, Mr. Arias was Research and Planning Area manager since 2006. [...]

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General Counsel and Secretary of the Board

Nelson Rojas Preter

General Counsel and Secretary of the Board since 2004. In 2002, he joined Banco de Chile as deputy general counsel. Mr. Rojas joined Banco de A. Edwards in 1987 as [...]

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Commercial Division

Joaquín Contardo Silva

Commercial Banking Division Manager since December 2017. Prior to that, he was the Commercial and Branch Division Manager (May 2016 – December 2017)[...]

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Corporate Banking Division

José Miguel Quintana Malfanti

Corporate Banking Division Manager since December 2017. Prior to that, he was the Corporate and Investment Division Manager (March 2016 – December 2017). Before that, [...]

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Marketing and Digital Banking Division

Claudia Marcela Herrera García

Marketing and Digital Banking Division Manager since October 7, 2019. Previously, she was the Division Manager in charge of Digital Transformation, a strategic program that she will continue to lead. [...]

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Wholesale Credit Risk Division

Paola Alam Auad

Wholesale Credit Risk Division Manager since September 2018. Before she took on the role of acting Corporate Credit Risk Division Manager since August 2018. Previously, she was manager of the Business Risk Area. Mrs. Alam joined the Risk area of [...]

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Retail Credit Risk Division

Julio César Cubillo

Retail Credit Risk Division Manager since October 2018 and Global Risk Control Division interim Manager since June 2019. Previously, between May 2017 and July 2018, he was Head of Credit Risk at BBVA [...]

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Global Risk Control Division

Julio César Cubillo

Global Risk Control Division interim Manager since June 2019 and Retail Credit Risk Division Manager since October 2018. Previously, between May 2017 and July 2018, he was Head of Credit Risk at BBVA Chile. [...]

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Global Compliance Division

Felipe Echaiz Bornemann

Global Compliance Division manager since 2008. Mr. Echaiz worked for Citibank for ten years and was Vice President and Country Compliance Officer for Citigroup Chile between 2006 and 2007. [...]

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People and Organization Division

Cristián Lagos Contardo

People and Organization Division manager since May 2012. From 2008 to March 2012 he was the Corporate Human Resources and Reputational manager of Compañía General de Electricidad [...]

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Internal Audit Division

Oscar Mehech Castellón

Internal Audit Division manager since July 2008. Before that, he was our Regulatory Policies Division manager, Global Compliance Division manager and deputy general counsel. Prior to joining [...]

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Operations and Technology Division

Esteban Kemp De La Hoz

Operations and Technology Division Manager since August 2018. Before he was our Acting Global Risk Control Division manager since March 2018. Previously, he was manager of the Process Engineering Area, and later [...]

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Cyber Security Division

Salvador Danel

Cybersecurity division manager since January 2019. Prior to joining Banco de Chile, he was Cybersecurity manager for Microsoft from 2015 to 2018, advising clients in diverse industries throughout Latin America. [...]

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Chief Executive Officer of Banchile Corredores de Bolsa S.A.

Hernán Arellano Salas

Chief Executive Officer of Banchile Corredores de Bolsa S.A. since September 2016. Previously, between 2007 and 2016, Mr. Arellano held different positions at IM Trust S.A., including Chief Executive Officer, Managing Director of Capital Markets, and Director and [...]

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Committees composed of Banco de Chile’s senior management

Below are the main committees composed of Banco de Chile’s senior management executives, jointly with a summary of their main objectives and functions:

A.- Management Committee

The management committee, the highest coordinating body of our management, is chaired by our chief executive officer, and its principal function is to discuss main strategic guidelines and to analyze the market and the banking industry.

This committee resolves issues relating to our internal policies and analyzes our performance. In this committee, numerous divisions exchange their points of view as to our business and prioritize joint initiatives. Each year, this committee outlines the foundations for our annual plan. After the individual annual plan for each business area is agreed upon by our chief executive officer and each division manager, under the coordination of our chief financial officer, the overall plan is submitted to our board of directors for approval. This committee also reviews progress and budgets for approved plans on a regular basis.

B.- Disclosure Committee

It was established to ensure accurate market disclosure of our and our subsidiaries’ consolidated financial information. Its objective is reviewing annual, mid-year and quarterly financial reports and in general all financial information disclosed by us prior to each disclosure.

The members of the disclosure committee include the chief financial officer, the chief accountant, the chief legal counsel for international, financial and investment banking matters, the manager of the Global Risk Control Division, the manager of the Research and Planning Area, the manager of the Financial Control & Treasury Area and the manager of the Wholesale Risk Monitoring Area. The manager of the Internal Audit Division may participate in the Committee as well.

C.- Ethics and Conduct Committee

This committee’s objective is to define, promote and regulate behavior of professional and personal excellence consistent with our philosophy and values to be followed by all our staff.

To meet these goals and promote a culture of ethical behavior, the ethics committee sets policies on ethics and ensures their compliance, develops training plans related to ethics in our business, and reinforces positive behavior among our staff. The ethics committee also acts as a forum to address, discuss and resolve any conduct by our staff that is inconsistent with Banco de Chile’s values. This committee is chaired by the manager of the People and Organization Division and includes the general counsel, the manager of the Internal Audit Division, the manager of the Global Compliance Division, the manager of the Commercial Division, and the manager of the Operational and Technology Division.

D.- Operational Risk Committee

The operational risk committee is responsible for (i) identifying our operational risk management model and ensuring the implementation of policies, rules, methodologies and associated procedures in connection therewith; (ii) validating the plans and initiatives for the development of the operational risk management model and monitoring them; (iii) approving the acceptable levels of tolerance and appetite for operational risk and maintaining a permanent control over their compliance; (iv) ensuring compliance with the current regulatory framework, in matters that are limited to operational risk; (v) ensuring the dissemination in the organization of the comprehensive operational risk management model; (vi) ensuring that the units establish continuous improvement systems for the existing control structure; (vii) promoting a culture of operational risk at all levels of the bank, especially aimed at raising awareness of risks, assuming responsibility and integration in management; (viii) being cognizant about the main frauds, incidents and operational events, their root causes, impacts and corrective measures; (ix) knowing about alerts coming from risk indicators and cybersecurity incidents and the different mitigation measures implemented by the Bank; (x) ensuring the progress of the main action plans and mitigation initiatives associated with frauds, incidents, events or operational risk assessments; (xi) identifying and prioritizing the strategies to mitigate the main operational risks, whether they have materialized or not and following up on the implementation of said strategies; and (xii) ensuring the long term solvency of the organization by avoiding those risk factors that may jeopardize the Bank’s continuity.

This committee is chaired by the manager of the Global Risk Control Division, and includes the chief financial officer, the general counsel, the manager of the Operations and Technology Division, the manager of the Cybersecurity Division, the manager of the Operational Risk Area, the manager of the Technology and Infrastructure Area, the manager of the Operations Area and the manager of the Clients Area.

E.- Quality Committee

This main objective of this committee is to generate strategic guidelines for decision-making on issues related to the attention of customers, through all channels available at the bank, by means of the analysis of customer perception and relevant competition. In addition, this committee supervises projects and initiatives aimed at increasing the permanence and referrals of our clients.

This committee is chaired by our chief executive officer, and composed by the manager of the Commercial Division, the manager of the Corporate Division,, the manager of the Operations and Technology Division, the manager of the Marketing and Customers Division and the manager of the Clients Area. The chairman of the board of directors and the manager of the Consumer Finance Area also attend and participate in the meetings as permanent attendants.

F.- Subsidiaries Risk Committee

The Subsidiaries Risk Committee is responsible for managing and monitoring internal coherence in our subsidiaries’ operational, credit, liquidity and market risk compliance policies; establishing mechanisms for the identification, monitoring and measurement of those risks; and adopting the relevant corrective measures to be applied by our subsidiaries. Likewise, this committee must verify the adequacy of our subsidiaries’ policies related to these risks in relation to our own policies. The members of this committee are the manager of the Global Compliance Division, the manager of the Wholesale Credit Risk Division, the manager of the Global Risk Control Division, the deputy manager of the Global Risk Management Area, and the deputy manager of the Market Risk Area.