Our
Company
About us
FERMAC RISK SL, is a Spanish company whose main objective is to train and advise executives of financial institutions on financial risk management issues.
FERMAC RISK, is the best training alternative for risk departments of banks, savings banks, telecoms, utilities, insurance companies and all those financial institutions.
At FERMAC RISK, we specialize in credit risk, operational market, liquidity, concentration, life insurance, non-life insurance and business risk, as well as Basel III and Solvency II projects.
Risk methodology, delivered as software.
Fermac Risk has spent since 2008 building credit risk methodology for banks, regulators and supervisors across Europe, Latin America, Africa and Asia. That methodology is now available as working software.
Platform
Two production suites — IFRS 9 ECL and Credit Scoring —
built on close to 100 embedded methodologies, with a node-based data ingestion canvas, AI agents for model documentation and review, full governance and traceability, and supervisory-grade reporting. Not a black box: every parameter, transformation and override is auditable end to end.
RiskLabs
Four interactive laboratories for parameter simulation and sensitivity analysis. Test how PD term structures, LGD assumptions, SICR thresholds and macroeconomic overlays move your ECL before you commit to them.
Methodology Library
Over 1,300 hours of methodology training in Spanish and English, spanning credit risk, IFRS 9, credit scoring, ALM and IRRBB, liquidity, stress testing, model risk, operational risk and Solvency II. Available as institutional subscriptions and as certification programmes for risk, validation and audit teams. The training and the software share the same methodology, so your team learns the model it will run.
Advisory
Implementation, model development and validation support, delivered by the author of the methodology.
Our Team
Fernando González Cervantes
Managing Partner
-
Managing Partner, Fermac Risk (2008 – present)
Fernando González Cervantes has spent over than 25 years in financial risk management, working with banks, regulators, and corporates across Europe, Latin America, the Middle East, and North America. His experience spans Spain, France, Germany, the United Kingdom, Portugal, Andorra, the United States, Mexico, Brazil, Peru. and Chile.
He founded Fermac Risk in Madrid in 2008. Under his direction, the firm has delivered consulting engagements including profitability modelling for Crédito Agrícola (Portugal), and has trained risk and modelling teams at ING, Santander, BBVA, BNP Paribas, Halifax, SAS Institute, MathWorks, Deloitte (Spain, Middle East, and Chile), Banco Estado, Banorte, Pemex, and Iberdrola.
Risk software and methodology development
Fernando has contributed to the design of commercial risk management software throughout his career:
-
Key contributor to the model validation tool developed by Oliver Wyman and SAS for the European market
-
Contributor to the SAS operational risk solution developed in Germany
-
Participant in a credit rating methodology project with Moody's and Axesor (Spain)
-
He is the author of the methodologies embedded in the Fermac Risk IFRS 9 ECL and Credit Scoring suites, and of the firm's certification programmes in credit risk, IFRS 9, ALM/IRRBB, stress testing and model risk.
Previous experience:
-
ASNEF-Equifax, Spain and Portugal — Data Science Director (2007–2008)
-
SAS Institute, Spain and Portugal — Risk Intelligence Manager (2005–2007)
-
BBVA, Spain — Credit Risk Director (1999–2005)
-
Citibank — Portfolio Manager (1997–1999)
Julia Tsedryk
Business development manager
Ms. Julia's responsibilities include enhancing the company's corporate image and the brand image of its products. To this end, she helps define the marketing strategy, carries out activities with clients, gives presentations on products and services, and represents the company at public events.
Mariana Ibancovichi
Sales Manager
Ms. Mariana, the sales manager for financial institutions in Spain and the Americas, has a background in business administration and logistics; she develops sales strategies and builds relationships with clients at banks and financial institutions in Latin America.
Martha Segoviano
Business Manager
Ms. Martha Segoviano Tapia has been a Managing Partner at Fermac Risk since 2008 and heads the Marketing and Sales departments. She worked in the sales department at Schering-Plough Laboratories from 2004 to 2008. She served as Head of Marketing at IMER from 2000 to 2004 and as Human Resources Manager at Costco from 1996 to 2000. She holds a master’s degree in Strategic Business Planning from the Universidad Iberoamericana, a specialization in International Marketing, and a bachelor’s degree in Communication Sciences from La Salle University.
Ernesto Tapia
Technology Manager
Mr. Ernesto Tapia holds a degree in Systems Engineering and is an expert in computer systems, AI agents, social analytics, networks, telemarketing call center management, data mining, text mining, and Big Data.
Fermac Risk Course Instructors
Fermac Risk Course Instructors
Jefa de Unidad de Modelos de Riesgo