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Ricardo J Garnier B currently serves as a CDD Risk Analyst and KYC Operations Analyst at Adyen, beginning in March 2023. Prior to this role, Ricardo held various positions at Intelcia Spain & Latam from July 2019 to March 2023, primarily functioning as a Customer Service Representative, where management of the customer service process for over 40 real estate developments across Spain was a key responsibility. Additionally, Ricardo's earlier experience spans over a decade at General Cargo International, where roles included Administrative Director, Human Resources Manager, Billing Officer, Accounting Administrative Assistant, and Administrative Office Assistant. Educational qualifications include a Master of Business Administration (MBA) in Business Administration and Management from EF Language Abroad in 2009, and a Bachelor of Business Administration (BBA) from Universidad Nueva Esparta, completed in 2007.