Mr. Flores, 49, has served as Executive Vice President of BPPR’s Specialized Business Group since January 2026, with responsibility for the mortgage, auto, and insurance businesses. From January 2023 to December 2025, he served as Division Manager of Popular Mortgage, BPPR’s mortgage business. From March 2015 to December 2022, Mr. Flores served as Division Manager of deShow, a BPPR division he helped establish to manage the bank’s foreclosed properties. From 2010 to 2015, also as Division Manager, he led several strategic initiatives, including the reorganization of BPPR’s auto lending business and the acquisition of significant consumer and mortgage loan portfolios. Before joining BPPR, Mr. Flores was a management consultant with McKinsey & Company from 2005 to 2007, advising clients in the telecommunications, utilities, banking, and consumer goods industries. From 1998 to 2003, he held various leadership roles at The Coca‑Cola Company, where he managed channel marketing and distribution systems in the Caribbean region.