José Iván began his career as an analyst in the financial sector. In 2010 he founded with Lorenzo Serratosa KAU Gestión de Activos, S.L. (currently called KAU Markets EAF, S.L.), and Substrate AI. He has been Director of Strategic Management and member of the Investment Committee of KAU Markets EAF and has worked as an advisor to several financial institutions such as Renta 4 Banco, Inversis and Andbank. He currently advises Fonvalcem FI and the three funds of the Formula KAU range and is CEO of Substrate AI and partner of GBR Almazaf, S.L., a company specialized in the real estate sector. José holds a degree in Business Administration and Management from the University of Valencia, with a specialization in Financial Management. He is a member of the executive and supervisory board.

Senior financial professional with extensive experience in different industries: energy and utilities (water, oil and gas), B2B and B2C services, etc.

Carmen started her career as a marketing assistant at Dior and later worked for Cecotec Innovaciones S. L. as Product Manager working in the Kitchenware and Small Appliances department. She holds a double degree in Business Administration and Marketing from CEU Cardinal Herrera University, a Master's Degree in Luxury Brand Management from Istituto Marangoni and another Master's Degree in Digital Marketing Analytics.

Lorenzo began his career as an advisor to various investment funds and family-owned companies and has more than 25 years of experience in the financial sector and business management. In 2010 he founded together with José Iván García, KAU Gestión de Activos, S.L. (currently KAU Markets EAF, S.L.), a financial advisory firm exclusively for Andbank Wealth Management's investment fund Fonvalcem FI, and Substrate AI where he has provided financial training and regulated advice.
From KAU Markets EAF he has worked as an advisor for institutions such as Renta4, Inversis and Andbank, where he remains as advisor to its Fonvalcem FI Fund and the three funds of the Formula KAU range.
He is currently a director of Valpisan, S.L., a family office focused on the real estate, agricultural and industrial sectors, and Substrate AI. Lorenzo holds a degree in Philosophy from the University of Valencia.
Lorenzo is a member of the executive and supervisory board.

Tawhid is an international expert and serial entrepreneur in the field of higher education and learning. He is the founding President of Aivancity Paris-Cachan, a school of Artificial Intelligence and Data, and President of EDVANTIS GROUP (ISGA & ARTCOM SUP), a management and engineering school based in Morocco. After leading the development and management of Emlyon's activities in Africa for three years, he was Chairman of the Board and CEO of Emlyon Business School Group in 2019. He has held scientific and leadership positions in several other business schools in France. He holds a PhD in Management Sciences from Paris Dauphine University and completed Harvard University's Higher Education Leadership Development Program.