Since September 2008, Pilar Clavería is the Payments, Operations and Procedures Advisor at the Spanish Banking Association. Currently she is member of numerous European and national committees and working groups related to payments, cybersecurity and digital issues: Member of the European Payments Council; Member of the Payment Systems Committee and of the Cybersecurity Working Group of the European Banking Federation. At national level she is Member of the National Payments Committee chaired by Bank of Spain and of the Commission on the Digital Society at the Confederation of Employers and Industries of Spain, among others