Fredes Montes, a Spanish National, is Senior Financial Specialist at the World Bank. She joined the World Bank in 2007 as a credit reporting systems specialist and since then has supported policy reforms in more than 40 projects worldwide. Currently also serves as Secretariat to the International Committee on Credit Reporting (ICCR) and recently co-authored the book “Responsible Finance and Credit Reporting Systems” which focuses on the links between insolvency and credit information. Ms. Montes centers on credit reporting policy including legal and regulatory framework, consumer protection and oversight.

Previously, she was legal director at Experian Spain, where she was responsible for the consumer protection and compliance unit of the credit bureau and value added services business lines.

Ms. Montes earned her five year degree in Law at the Universidad Complutense and studied Political Science at Universidad Nacional de Educación a Distancia in Madrid. Additionally she holds a Masters degree in Data Protection and New Technologies Law.

Fredes passions include food, sustainable development and women empowerment and serves as pro-bono Director at World Central Kitchen, organization devoted to promote access to safe cooking and enhancing people’s lives through food related innovative projects.