Fredes Montes
Fredes Montes, a Spanish National, is Senior Financial Specialist at the World Bank’s Payment System Development Group. She joined the World Bank in 2007 as a financial infrastructure specialist and since then has supported policy reforms in more than 100 projects worldwide involving the development or enhancement of financial infrastructure and inclusion, financial consumer protection, digital identification, data protection, privacy and cybersecurity. Fredes also served as Lead Secretariat to the International Committee on Credit Reporting (ICCR) since its inception in 2009 till January 2018 and currently co-chairs the Financial Inclusion Global Initiative (FIGI) working group on Cybersecurity for Financial Infrastructure and the FIGI working group on Digital Identity. In addition she contributes to international cooperation exercises in the context of the Financial Stability Board (FSB), the Global Partnership for Financial Inclusion (GPFI) of the G20 and the Financial Action Task Force (FATF) in aspects related to financial inclusion, data protection and Digital ID. In 2016, she co-authored the book “Responsible Finance and Credit Reporting Systems” which focuses on the links between insolvency and credit information. Prior to joining the World Bank, she was legal director at Experian Spain, where she was responsible for the consumer protection and compliance unit of the credit bureau and value-added services business lines. Ms. Montes earned her five-year degree in Law at the Universidad Complutense and studied Political Science at Universidad Nacional de Educación a Distancia in Madrid. Additionally, she holds a Masters degree on Data Protection and New Technologies Law and served as exchange student at Universiteit Instelling Antwerpen focusing on EU comparative law