The system draws on our colleagues' professional experience and personal expertise and combines it with Santander’s own internal client data, as well as the wealth of data available around the world to build recommendations for our investors. ‘Kairos’ is able to show how a business is impacted by micro and macro economic indicators and events, and what it’s supply chain and business ecosystem looks like. It is also able to provide a global map of multinationals and their subsidiaries, which are Santander clients, show which products or services have already been positioned and where the potential sales opportunities are.
With this technology, we will be even better placed to anticipate and meet the needs of our clients. We can predict patterns, risks and opportunities, and keep up with rapidly changing events globally, which could affect our investment decisions. By having all this information at our fingertips, we can improve our performance with a better understanding of the market, the client and the services they need.
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At Santander Corporate and Investment Banking we are leveraging technology in many ways, both to improve our internal ways of working and to better service our clients. A core element of this is data intelligence, which can help us to make faster and smarter decisions that recognize commercial opportunities, spot risks and make predictions. In combination with our professional expertise, technology gives us the competitive edge we need to get the best results for our clients, by matching them with the right products at the right time.
One of the ways we are evolving this is through intelligent advisory engines. At Santander CIB we have developed ‘Kairos’, an AI advisory engine which is designed to help our investment professionals understand our clients and markets more deeply, and make even smarter decisions.
Global head of Markets
Mike Bagguley
Mike Bagguley is global head of Markets for the Santander Corporate and Investment Banking (Santander CIB) division.
He reports to José M. Linares, Group Senior Executive Vice-President & global head of Santander CIB, and is a member of the SCIB Executive Committee.
Mr. Bagguley spent most of his over 30 year career at Barclays where he held multiple leadership roles within the markets business, leading Macro products, Trading for FX, Commodities, Linear and Options. He was also head of the Markets Business at ABSA Bank, where he was responsible for integrating it and turning it around following Barclays´ acquisition. Most recently, he was Chief Operating Officer of Barclays International and Barclays Investment bank, responsible for technology, operating platforms, risks and controls with a strong focus on improving commercial agility.
Mike Bagguley holds a bachelor's degree in Mathematics from Warwick University.
Global head of Global Transaction Banking
Mencía Bobo
Mencía Bobo is the Global Head of Global Transaction Banking at Santander CIB.
With more than 20 years’ experience in the financial sector, Mencia has held several senior positions in Global Debt Finance (GDF), Structured Finance Risks, and Global Transaction Banking (GTB) since she joined Santander Corporate & Investment Banking in 2006.
Since March 2024, Mencia has been appointed global head of Global Transaction Banking (GTB), being responsible for Cash Management, Trade Finance, Working Capital Solutions and Export Finance. Previously she led the Trade & Working Capital Solutions team globally within GTB, where she consolidated Santander’s global leadership position in Trade Finance.
Prior to joining Grupo Santander Mencia worked at KPMG as senior auditor.
She holds a degree in Business Administration from the Universidad Pontificia de Comillas (ICADE) and an international Executive Programme from INSEAD (Inter-Alpha Banking).
Regional head of Santander CIB South America
Rafael Noya
Rafael Noya is the Regional head of Santander CIB South America.
Since he joined Santander Brazil in 2007 as Senior Banker in the Corporate and Investment Banking Division, he has held several senior roles. From 2015 to 2017, Rafael was the head of GDF Brazil and more recently, before his appointment in 2020 as Global head of GDF, he was the head of Banking and Special Situations Group. He also served as board member of Santander Leasing Company in Brazil.
Rafael started his career at Citibank, where he worked from 1996 to 2007 in several positions across the firm. He holds a degree in Business Administration from the University of São Paulo and attended extension leadership courses at Harvard Business School, IMD International, IE Business School and IESE Business School.