He is the former Chairman of the board of directors of the Philippine National Bank (PNB), former President and CEO of Rizal Commercial Banking Corporation (RCBC) and Asian Bank (ASB), and former President of AB Capital and Investment Corporation. He has been involved in banking for the past 40 years. Currently, he is the Chairman and President of Pacific Northstar Inc., (PNI), a boutique financial advisory and a fund management firm, and Project Quest Corporation, a venture capital fund and investment holding company and Chairman of BPO International, a human resource and finance and accounting outsourcing services provider. He is also a Director of Sun.Star Publishing Inc. (Cebu), which publishes a chain of community newspapers across the country. He finished his Master’s degree in Business Management at the Asian Institute of Management (AIM) in 1975 and earned his Bachelor of Arts in General studies from the Ateneo De Manila University.