Patricia Pajuelo is a Partner at Management Solutions with more than 15 years of experience advising financial institutions on risk management, regulatory transformation, and model governance. She specializes in model risk management and validation, credit risk, capital management, financial crime, and the application of advanced analytics and AI to risk and compliance. An economist by training, she brings a distinctive combination of quantitative rigor, strategic judgment, and execution expertise to the design and delivery of effective risk frameworks.