VP of Non-Financial Risk · Rímac Seguros

Risk governance that protects the business.

I lead operational, technology and fraud risk governance for the financial and insurance sectors — with a tech & data-driven approach that is taking our division toward agentic AI.

GRC · Cybersecurity · Systems Engineer · Executive MBA · ~19 years in financial services
Portrait of Luis José Saldaña
Rímac · BCP · ASBANC · APESEG
Luis José SaldañaLima, Peru · Enterprise risk leadership
~19Years in financial services
3Non-financial risk pillars I lead
17Years building a career at BCP
Tech & DataLeadership approach toward agentic AI
About

From security engineering to executive risk leadership.

I am VP of Non-Financial Risk at Rímac Seguros, with a mandate spanning operational risk and business continuity, technology, cybersecurity and data risk, and fraud prevention: I protect the company, its policyholders and shareholders from operational, financial, cyber and reputational impacts — and enable the business to innovate and grow with confidence.

I lead with one conviction: well-governed risk is a competitive advantage. I combine governance, culture, processes, technology and innovation to build world-class non-financial risk capabilities — strategic design, digital transformation and data-driven decisions, on a solid ethical foundation.

My career was forged over 17 years at Banco de Crédito BCP, with a progression that spans the business end to end: three years on the commercial side — where I learned the business from the customer's perspective —, seven leading the corporate cybersecurity strategy, governance and architecture from the IT Division.

Seven more directing cyber-fraud and digital forensics in Corporate Security: I transformed an incipient lab into the reference Digital Forensics Lab of Peruvian banking and created the FERT, the emergency response team that integrated every fraud line of the bank — capabilities that still protect millions of customers of Peru's largest bank today.

I chaired the ASBANC Cybersecurity Technical Committee and sit on the APESEG Fraud Prevention Committee, contributing to the resilience of Peru's financial and insurance system.

Areas I lead

Three pillars of Non-Financial Risk.

I consolidate three fronts under a single governance strategy, applying the Playing to Win framework to decide where to play and how to win in risk management.

PILAR 01

Operational Risk & Business Continuity

Operational risk management and resilience against business disruption.

  • Operational risk framework & appetite
  • Business continuity & resilience
  • Events, issues & action-plan management
PILAR 02

Technology Risk, Security & Data

Cybersecurity, technology risk and data governance as one integrated capability.

  • Cybersecurity strategy & architecture
  • Technology & third-party risk
  • Data governance & AI applied to risk
PILAR 03

Fraud Prevention

Prevention, investigation and forensics against fraud risk across the company.

  • Fraud-risk strategy
  • Fraud investigation
  • Digital Forensics Lab
Tech & data-driven approach

A risk executive who also builds.

A systems engineer by training, I understand software architecture and development first-hand. That lets me govern risk with real technical judgment and decide with data — not from theory.

TECH · DATA

Technologist at the core

Architecture design and hands-on grasp of software development as the basis for governing technology and cybersecurity risk.

  • Cybersecurity & systems architecture
  • Real understanding of software development
  • Data-driven decisions in risk management
IA AGÉNTICA

Toward an agentic risk division

Together with my EVP, I lead the division's evolution toward an agentic model: AI applied to governance, RCSA and prevention.

  • Agentic AI applied to risk management
  • RCSA and control automation
  • A tech & data-driven risk culture
Experience

A career built on the front line of risk.

2025PresentRímac Seguros

VP of Non-Financial Risk

Rímac Seguros y Reaseguros · Lima

I lead the enterprise non-financial risk strategy, strengthening governance, culture, process, technology and innovation toward a world-class prevention model.

20242025Rímac Seguros

VP of Fraud Prevention

Rímac Seguros y Reaseguros · Lima

Protecting the interests of the company, policyholders and shareholders against fraud risk, focused on governance, ethical culture and digital transformation.

20212024Banco de Crédito BCP

Manager, Fraud Emergency Response Team (FERT)

Banco de Crédito BCP · Lima

I led the end-to-end response to operational, accounting, financial and cyber fraud events, with specialized teams and high-capacity resources.

20172021Banco de Crédito BCP

Cyber-Fraud & Digital Forensics Manager

Banco de Crédito BCP · Lima

I defined the cybercrime strategy and built the bank's Digital Forensics Lab with leading talent and technology.

20102017Banco de Crédito BCP

IT Infrastructure Security · Network Security

Banco de Crédito BCP · Lima

I led infrastructure security under international standards (ISO 27001, PCI, SOX), building the technical foundation of my risk career.

20072010Banco de Crédito BCP

Commercial line · Banking Services Officer

Banco de Crédito BCP · Trujillo

The starting point: direct client and business exposure — the base on which I built my whole path to the vice-presidency.

20152024ASBANC · APESEG

Chair, Cybersecurity Technical Committee · ASBANC

ASBANC · APESEG · Industry leadership (in parallel)

I led the Peruvian banking cybersecurity agenda and contribute to insurance-sector fraud prevention, driving synergies to strengthen the financial system.

How I lead

I develop people and make things happen.

I build specialized teams, grant autonomy and lead in a tech & data-driven way: decisions rest on data and execution rests on trust. These are the ideas that guide how I work.

“Risk is governed with data, managed through process, and overcome by people.”

Luis José Saldaña

“Only when the tide goes out do you discover who's been swimming naked.”

Warren Buffett

“Talent wins games, but teamwork and intelligence win championships.”

Michael Jordan

“Let no one ever come to you without leaving better and happier.”

Mother Teresa of Calcutta
Insights

A public voice on risk, fraud and cybersecurity.

I contribute to the financial and insurance industry conversation through trade committees, specialized forums and publications.

Industry leadership

Cybersecurity Technical Committee · ASBANC

Chaired the committee coordinating the Peruvian banking system's defense against cybercrime, connecting banks, regulators and law enforcement.

Innovation

Digital Forensics Lab · BCP

Transformed an incipient lab into the reference digital forensics lab of Peruvian banking: dedicated infrastructure, state-of-the-art forensic software and world-class OSINT intelligence for cyber-fraud investigation.

Speaking

Conferences and specialized forums

Speaker at cybersecurity, fraud prevention and technology risk forums for the financial and insurance sector.

Publications

People management and mobility

Author of publications on HR management for specialized teams and mobility (MDM).

See profile and publications on LinkedIn
Education & credentials

Academic rigor and international certification.

Education

  • Executive MBA LATAMU. Adolfo Ibáñez · 2019–2021
  • Computer & Systems Eng.U. Privada Antenor Orrego · 2003–2007
  • Management 3.0CENTRUM PUCP
  • Machine Learning · BlockchainMIT Professional Education

Certifications

Certified in Cybersecurity — ISC2Certified Ethical Hacker — EC-CouncilCyber Security Analyst — EC-CouncilCSFPC — CertiProfCEHv7Neo4j Certified ProfessionalAsana Ambassador

Public voice & industry leadership

Chair, Cybersecurity Committee · ASBANCFraud Prevention Committee · APESEGPublications on HR management & mobility (MDM)Speaker at cybersecurity & fraud forums

Let's build resilience against risk.

Available for boards, advisory, speaking and industry collaboration on risk, fraud and cybersecurity.