I'm passionate about delivering amazing experiences for people with measurable insights to maximize retention and return on investment. Lead people with expertise to design and develop digital products by identifying customer needs and generating impact on business results.I develop innovative digital products, solutions and partnerships on a global scale that generate a new revenue stream for the company and maximize ROI. Able to create a healthy and relevant operation as a lever in the Growth agenda to serve and transact with consumers in a more digital way and that generates positive customer perception for each relationship channel, product and service using Bank as a Service.In Retail PF: Strong creator of personalized multichannel Payments experience in payment solution journeys with strategy by design with agile adoption of offers to generate greater engagement. Making payment methods a universal way for customers, providing a complete user experience. Built payment arrangements (P2P, BNPL, QR Code, PiX, NFC, digital wallet, wallet, onsite/offsite, blockchain and cryptocurrency). I have collaborated with brand companies to develop and improve rewards programs associated with cards and digital accounts, making them more attractive to customers.In Wholesale: Enhanced the investor client's journey, designing an ideal trajectory by creating solutions with opportunities that we have identified to create new and innovative ways to help clients manage, protect and maintain control of their finances at the Bank in a democratized way. I launch new products and services to evolve the shelf of sophisticated fixed income and variable income investment products with greater profitability in order to capture new customer segments.[The Bank should not be a place for the person to go, it is a place from which the person does something "Phygital". 30% of the result of the work comes from well-done communication and 70% is the result of the customers' experience with the bank.]