Pablo Fernández Álvarez

Santander Holdings USA, Inc. is a parent holding company, which engages in the provision of banking services through Santander Bank. It operates through the following segments: Consumer and Business Banking; Commercial and Industrial Banking; Commercial Real Estate and Vehicle Finance; Corporate and Investment Banking; Santander Consumer USA Holdings Inc. and its subsidiaries (SC); and Other. The Consumer and Business Banking segment include consumer and business banking customers, including consumer deposit, business banking, residential mortgage, unsecured lending and investment services. The Commercial and Industrial Banking segment comprises commercial lines, loans, letters of credit, receivables financing, and deposits to medium- and large-sized commercial customers. The Commercial Real Estate and Vehicle Finance segment covers commercial loans to dealers and financing for commercial equipment and vehicles. The Corporate and Investment Banking segment focuses in the investment banking, institutional sales, and trading and offering research reports of Latin American and European equity and fixed-income securities. The SC segment encompasses consumer finance company focused on vehicle finance and third-party servicing. The Other segment involves in the certain unallocated interest expense on the company's borrowings and other debt obligations and certain unallocated corporate income and indirect expenses. The company was founded in 1987 and is headquartered in Boston, MA.

Clicars Spain SL engages in buying and selling of second hand cars. Its car portfolio includes Mercedes-Benz, BMW, and Skoda. The company was founded by Pablo Fernández and Carlos Rivera on February 18, 2015 and is headquartered in Madrid, Spain.

Ethos Angel Investment Fund Inc (Ethos Angel Investment) is a angel investment firm founded in 2018 by Nevin Markwart. The firm is headquartered in Alberta, Canada.

Clipiso Desarrollo SL, operating under the name Clikalia, is a Spanish proptech company founded in 2018 by Alister Moreno and Pablo Fernandez. The company is based in Madrid, Spain, and has subsidiaries in Mexico. The company aims to simplify and speed up the home buying and selling process by providing a fully digital experience. Clikalia guarantees sellers an offer on their property within 24 hours and a sale within 7 days. The company has grown to over 600 employees in 2021 and has received recognition from various awards. Clikalia has raised significant equity capital from angel investors and had the largest ever venture capital round in Spain in 2020.