Bernardo Brazao R. Mello, Msc Email & Phone Number

Rio De Janeiro, Brazil

The Brazilian Development Bank (BNDES) is one of the largest development banks in the world with assets of around US$ 270 billion and is the main financing agent for development in Brazil. I am honoured to have the chance to do my best in contributing to make my home country a better place for everyone.Duties:• Develop and implement an international funding strategy, identifying potential funding sources, partners, and investment opportunities• Design and create innovative funding programs that attract international investors and foster partnerships• Maintain relationships with international financial institutions, development banks, and other stakeholders to establish strategic partnerships and secure funding for priority sectors in Brazil• Conduct comprehensive due diligence to assess program feasibility, budget viability, and alignment with BNDES's objectives• Collaborate with internal teams, government entities, and private sector partners to align funding programs with strategic objectives and ensure their successful implementation• Coordinate efforts to provide the necessary support, expertise, and resources to execute projects and attract investment• Monitor key performance indicators, financial outcomes, and project milestones to assess the effectiveness of strategies and make data-driven adjustments as needed

Canada

StackAdapt is a self-serve advertising platform that specializes in multi-channel solutions including native, display, video, connected TV, audio, in-game, and DOOH ads. Our state-of-the-art platform is where some of the most progressive work in machine learning meets cutting-edge user experienceDuties:• Managing customer credit limits and budget requirements• Monitoring credit risk of the entire portfolio• Reviewing accounts to ensure accurate provisions or insurance is in place• Analyzing reports from credit bureaus and rating agencies such as D&B Credit Scoring, Moody's, and S&P• Facilitating the customer onboarding process related to credit limits, margin to operate, and ratings• Created a Credit Monitor to assist the Credit Department with decision-making in credit analysis and related limits• Assisting with documentation of all credit processes• Assisting with internal and external audit process

Canada

Bison Transport is a multiple-award-winning Canadian transport company. We employ the latest technologies and operate one of the largest and most modern fleets in the industry. Bison Transport is a high-service, dependable and value-creating supply-chain partner.Duties:• Managed a portfolio of customers ensuring that KPI’s related to credit and collections are met on a weekly basis• Investigated creditworthiness of new and existing accounts • Approved credit limits and set payments terms• Investigated payment discrepancies in the credit portfolio as well as addressing actions to resolve issues• Reviewed and analyzed customers' accounts to detect payment trends and determine adequate collection actions• Communicated with customers to convey information regarding overdue accounts and to gather and clarify details to promote the timely payment of accounts• Developed a close working relationship with internal partners to achieve improvements and resolve issues in customer support and payment processing

Winnipeg, Canada Area

Assiniboine Credit Union financial and banking capabilities are demonstrated by robust membership base, the health of assets and branches from Winnipeg to Gillam and Thompson.Duties:• Supported market research activities from primary sources such as Bank of Canada, Statistics Canada, and CMHC• Maintained current and relevant knowledge of industry trends, accounting and regulatory practices, competitor products and strategies, and loan pricing/market data• Identified, made recommendations and supported the implementation of enhancements to operational and organizational policies, procedures and practices• Analyzed borrowers’ creditworthiness through qualitative and quantitative analysis and present credit submissions and recommendations to the credit solutions team• Examined and interpreted financial information in the context of assessing business credit quality, including review of financial statements, bank statements, credit reports and information obtained from other data sources• Performed underwriting and credit risk analysis on all credit submissions in a variety of industries• Analyzed the commercial loan portfolio and support the annual strategic goals

Rio De Janeiro Area, Brazil

The Brazilian Development Bank (BNDES) is one of the largest development banks in the world with assets of around US$ 270 billion and is the main financing agent for development in Brazil. I am honoured to have the chance to do my best in contributing to make my home country a better place for everyone.Duties:• Managed the credit portfolio risk level.• Worked towards strengthening the Bank’s action for promoting the implementation of the Sustainability Development Goals• Promoted the internalization of sustainability agenda in the Credit Policy Department, ensuring the socio-environmental analysis in credit risk models • Performed accounting allowance adjustments according to clients' risk level.• Prepared and consolidated normative instruments of credit risk management.• Developed credit risk models in respect of corporations, industries and project financing.• Prepared analytical reports associated with credit risk, limits and exposures• Participated in the discussions on the development and review of credit lines and programs• Implemented and monitored the execution of the projects as well as complying with the agreements • Carried out risk analysis of companies and/or economic groups, as well as financial agents• Participated in the planning of corporate projects involving improvement of work processes, implementation of new operational modalities and required controls• Participated in the planning, organization and executions of activities related to credit risk and human resources• Proposed audit work plan, setting scope, activities and milestones• Prepared and made available documentation and reports to meet requests from supervisory and control entities• Prepared analysis and monitoring reports of the audited objects• Produced sectorial studies and methodologies.• Analyzed the technical feasibility of financing projects.

Brasília Area, Brazil

The Central Bank of Brazil is the principal monetary authority of the country linked to the Ministry of Economy. Its main institutional mission is to maintain the purchasing power of the currency and the soundness of the National Financial System.Duties:• Supported the development of the quarterly budget planning and controlling of the Executive Secretariat.• Supported technological and administrative processes related to payment obligations.

Rio De Janeiro Area, Brazil

• Provided suspicious activity information related to the Anti Money Laundering (AML) analysis, based on "Know Your Client" (KYC) and "Politically Exposed Person" (PEP) instructions• Worked for the Back Office division, supporting operations from the Front Office, and controlled the receiving of dividends• Performed bank’s activities in accordance with the pillars of Corporate Governance (compliance, fairness, disclosure and accountability)

Rio De Janeiro Area, Brazil

• Planned, controlled and developed product strategies, purchasing and pricing for the e-commerce platform.

Rio De Janeiro Area, Brazil

• Developed Seasonality Study of Projects.• Developed graphic material and visual identity of the company.• Participated in projects related to internal marketing prospecting and customer loyalty.• Developed initiatives in accordance with PMBOK.

Master'S Degree, Business Administration And Management, General

Thesis: Industry Risk Evaluation Based on Weighted Influence Non-Linear Gauge System and Analytic Hierarchy Process Methods. Thesis was.

Formation Course, Finance, General

Bachelor'S Degree, Business Administration, Management And Operations