XII Breakfast Conference · Thursday, November 26, 2026
Credit risk in the digital era: innovation, compliance and resilience
A Club event with Deloitte speakers on how to use technology in lending without losing control of risk.
The Club’s XII Breakfast Conference brings together Deloitte specialists to discuss how financial institutions can take advantage of artificial intelligence, advanced analytics and digital channels in lending without losing control of risk.
The morning includes a panel on the future of credit risk, a keynote on the role of valuation in integrated credit risk management and a panel on regulatory compliance and risk management in digital banking.
Program of the day
Thursday, November 26, 2026Registration, welcome breakfast and networking
Welcome remarks by Carlos J. Rijo Montás, president of the Club.
The future of credit risk: AI, advanced analytics and decision-making
A 45-minute panel and 15 minutes of questions.
Objective: to show real cases and discuss how financial institutions can use technology without losing control of risk.
Includes a 20-minute practical case: fully digital credit origination, use of predictive models, early warning of deterioration and continuous portfolio monitoring.
- Patxi BernalesAudit and Assurance and Actuarial Services Partner · Deloitte
- Alexis ChacónAudit and Assurance Partner · Deloitte
Networking
The role of valuation in integrated credit risk management
Presentation followed by 10 minutes of questions.
Topics of the conference:
- Valuation as an input for credit origination
- The influence of valuation on credit pricing and profitability
- Valuation and integrated portfolio risk management
- International trends and best practices
- Closing and key messages
- Esteban BrenesAdvisory and Consulting Partner in Central America and Valuation and Modeling Partner | Spanish Latin America · Deloitte
Regulatory compliance and risk management in digital banking
A 45-minute panel and 15 minutes of questions.
Objective: to discuss how to balance digital innovation, consumer protection and regulatory compliance.
Questions that will guide the conversation:
- What are the main regulatory challenges for digital credit?
- How can AI models used in credit decisions be validated?
- What controls does the regulator expect over algorithms and models?
- How can third-party and fintech risk be managed?
- What is the impact of cybersecurity on credit risk?
- Pedro Rosa GarcíaAudit and Assurance Partner · Deloitte
- Aracelli CardozoLead Audit and Assurance Partner for Central America, Panama and the Dominican Republic · Deloitte
Speakers and moderators
Patxi Bernales
Audit and Assurance and Actuarial Services Partner · Deloitte
First panel
See biography
Esteban Brenes
Advisory and Consulting Partner in Central America and Valuation and Modeling Partner | Spanish Latin America · Deloitte
Keynote conference
See biography
Aracelli Cardozo
Lead Audit and Assurance Partner for Central America, Panama and the Dominican Republic · Deloitte
Second panel
See biography
Venue, date and registration
How to take part
The XII Breakfast Conference is an event exclusively for CGR members and seats are limited. Active members reserve their seat on the Upcoming events page, with their member account.
If you are not a member yet, learn about the categories and how to join.
Connect with our networks