Professor
Universidad del País Vasco - Euskal Herriko Unibertsitatea
Biographical Sketch: Ph. on Economics and Bussines Administration. Actuary. Teacher at the Unibersity of the Basque Country-Universidad del País Vasco/Euskal Herriko Unibertsitatea and Academic Secretary of the Financial Economics Department at the Faculty of Bussines Administration in Bilbao. . Member of the board of the Colegio de Actuarios del País Vasco (Colegio Profesional). He has been Subdirector of the Quality Service at the Unibersity. It is external referee into several Agencies for the quality ot the Unibersity –ANECA, ACSUCyL, EUSKALIT-. He is a National excelellence Assessor (EFQM). The nowadays subjets at the Faculty of Economics in Bilbao are Social Security, Private Pension Plans and Immunization Theory for insurance industry and pension plans.