Maria Theresa is the Chief Finance Officer and Head of Strategy and Finance of BPI. She is responsible for strategic planning, accounting, financial control, capital management, balance sheet management and analytics, corporate legal affairs, management and sales of bank assets, and investor relations. She is a member of BPI’s Management Committee, Asset and Liability Committee, Credit Committee, and chairs the Finance Committee. She is a board director of BPI/MS Insurance Corporation, BPI Europe Plc, and Global Payments Asia-Pacific Philippines, Inc. She is a fellow of Foundation for Economic Freedom, trustee and treasurer of World Wide Fund for Nature (WWF) Philippines, treasurer of BPI Foundation, and board director of the Philippine Inter-Island Sailing Federation. She joined BPI in 1995 through the Bank Officers Development Program. She has 25 years of banking experience with expertise in strategic planning and finance, corporate banking, debt and equity capital markets, portfolio management, trust, and wealth management. She previously served on the BPI Trust Committee and the board of BPI Investment Management, Inc. Prior to her banking career, she worked for the National Economic and Development Authority, and the Agricultural Policy Credit Council. She previously served as president of the Fund Managers Association of the Philippines, president of the Trust Officers Association of the Philippines, vice-chairman of Capital Markets Development Committee of FINEX, alternate governor of the Market Governance Board of Philippine Dealing and Exchange Corporation, and member of the National Advisory Council of WWF Philippines. Ms. Marcial obtained her Master’s Degree in Economics in 1995 from the University of the Philippines Diliman and BS Economics, Cum Laude, from the University of the Philippines Los Baños in 1990. She completed the Advanced Management Program at Harvard Business School in 2010 and the CFA Institute Investment Management Workshop also at Harvard Business School in 2006.