Previously, Fernando was Chief Executive responsible for Asset Management, Private Banking and Insurance of Grupo Santander while being member of its Management Comitee, as well as a Director of several companies of Grupo Santander.

He has also been a Director of the Caixa Gral Bank, Chairman of the Board of Directors of Sample Test (clinical analysis laboratory and diagnosis services in Spain and Portugal), Executive Vice-Chairman of Corporacion Eólica CESA (renewable energy company), Chairman of Transmol Logística (hydrocarbons logistics and natural gas management company) and Independent Board Member of Cortefiel and Zeltia.

Fernando has a degree from Deusto University.