Luis Santos is a Senior Economist and Head of Corporate Clients at Totta Ireland plc, part of the Santander Group. With over 30 years of experience in banking, he specialises in corporate strategy, financial product development, and international business. Luis has a strong track record of driving performance and implementing high-impact strategic initiatives. He also brings extensive academic experience, having lectured in finance, risk management, and financial modelling at leading international business schools, including ICD Business School.