Mr. Deu created Grupo Misame, a Spanish firm that developed a new approach to allow the dual ownership of residential real state by families and investors, and allow for securitization of such mortgage related product. Under Grupo Misame, developed several consulting projects among them for the Government of Andorra and the Government of Catalonia in Spain. Prior to Grupo Misame developed several consulting tasks, among them as Consultant for the Homebuilders Association of Andorra, the Ministry of Economics in Andorra, in de development and implementation of future economic laws. In the US, worked at The Riskmetrics Group, spin-off of J.P. Morgan, in the sales & Marketing department. Before joining Riskmetrics worked as a trader for several years and before developed several tasks on distribution for financial products for several firms in the US. Xavier holds a degree in Economics from the University Autonomous of Barcelona and a Masters in International Finance and Economics from Brandeis University.