Begoña Ramos

Partner, Climate Risk & Strategy

KPMG in the UK

Begoña Ramos Justo is a Partner in the Climate Risk and Strategy Team leading the Financial Services proposition.

Begoña has more than 20 years of experience across the financial services consulting and banking industries in different European countries. During her time in Grupo Santander, she was the Head of Enterprise and Climate Change Risk. She led several transformational programs: RWA Optimization and Economic Capital Integration, Risk Appetite Statement & Framework Embedding and the European Central Bank Asset Quality Review. From 2018, she led Santander's efforts in embedding climate change risk, specifically she developed firm-wide climate risk framework and embedded it into risk management policies and processes. She also established a process to integrate climate into strategy & business planning. Acting as programme lead for the Bank of England Climate Change Stress Testing (CBES), she also chaired the Climate Change Stress Testing Steering Committee and reported on progress to Executive and Board Committees.

  • MSc (Hons) Finance and Banking / Instituto Tecnologico y de Estudios Superiores de Monterrey, Mexico

  • MSc (Hons) Finance and Banking / CUNEF, Spain

  • Climate Risk

  • Stress testing