Jennifer Toivola holds a Master’s degree in law as well as in business administration from the University of Innsbruck, Austria, and is a Swiss Certified Accountant.

Jennifer has worked for many years as a regulatory consultant at KPMG. There she was consulting mainly Swiss Banks on matters related to AML, Compliance, and regulatory requirements.

Since September 2021 Jennifer is the Chief Compliance Officer of Banco Santander International SA.