As a seasoned C-Level Executive with dual expertise in Risk Management as a Chief Risk Officer (CRO) and Corporate Finance (Deputy CFO), I bring a wealth of experience in steering large financial institutions through complex risk and financial landscapes. With an MBA and executive development programs from leading US universities, I am equipped with advanced strategic insights and leadership skills.Core Competencies:Risk Management: Expert in Market, Liquidity, Credit, and Operational Risk Management, developed through extensive coordination and oversight in complex and challenging environments.Corporate Finance: Proven track record in Financial Planning (Funding, Resource Allocation and P&L Management), Budget Control, M&A, Tax Optimization, Investment projects and driving efficiency programs.Strategic Leadership: Adept at leading teams through transformative business integration processes and optimizing financial performance.Achievements:Spearheaded successful risk mitigation strategies that safeguarded assets and enhanced financial stability, saving more than USD 2 billion in invested capital.Led multi-million-dollar M&A projects, achieving significant value creation and integration success.Implemented robust financial control frameworks, improving operational efficiency in more than 10 percentage points and decision-making processes.My career is marked by a commitment to excellence, innovation, and strategic vision.My ability to drive strategic initiatives, manage risk, and optimize financial performance can be a valuable asset to organizations in various sectors.I am passionate about leveraging my expertise to drive organizational growth, manage risk effectively and lead teams toward achieving exceptional results, contributing to organizational growth and success across multiple industries.I am open to explore opportunities aiming to make a significant impact in new environments.
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DiretorAbrascaState Of São Paulo, Brazil
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Chief Risk Officer (Cro)Bradesco Dec 2022 - Dec 2023São Paulo, BrazilResponsible for Corporate Risks, Internal Controls, Compliance, Corporate Security and Governance, AML/ ATF, Independent Model Validation and Strategic Intelligence.Responsible for the coordination of a team of 1,600 professionals, reporting directly to the CEO and the Board.During this period:+ Led the implementation of the new Corporate Identity and Access Management Process and System in order to achieve more efficiency, security and resilience+ Spearheaded initiatives to review and implement a new corporate process to evaluate customer relationship risks and have a more balanced assessment and treatment of frauds+ Utilized data analytics to implement new KRI´s to monitor and treat Cyber risks+ Restructured the organization and report of the 2nd line of defense, enhancing organizational efficiency and readiness+ Managed almost daily high-level interactions with board members and regulatory bodies (not only representing the company, but as the Risk Director of FEBRABAN as well), e.g.: to negotiate the final terms to implement the IFRS9 and the new rules for Capital allocation for Credit and Operational Risks+ Developed a recurring process to minimize capital allocation, considering market, credit and operational risks, achieving gains over 1.5 percentage points in Capital Ratios+ Discussed on a periodic basis with investors about the risk profile of the company and to forecast potential risks+ Discussed with regulators about sector trends, the risk profile of the company and potential challenges to be managed in a monthly basis -
Managing Director For Organizational RisksBradesco Sep 2017 - Dec 2022São Paulo, BrazilResponsible for Corporate Risks (Market, Credit and Operational Risks, among others) and Internal Controls.Responsible for the coordination of a team of 350 professionals, reporting directly to the CRO and the CEO.During this period:+ Led the implementation of an integrated framework for Risk Management, allowing to have a complete and evolving picture of the risks the organization was positioned to and how they could develop in the future+ Structured and implemented new approaches to measuring and managing Market Risk (FRTB and IRRBB), resulting in equity capital savings of more than USD 200 million, including the discussion and approval of the final norms with regulators+ Reviewed and implemented a new process to monitor Credit Risk, allowing to discuss the organizational portfolio in a weekly basis, at least, and optimizing credit allowances in more than 10%+ Utilized data analytics to implement a new approach to measure and monitor environmental and social risks, allowing to evaluate risk for individual customers, operations or the portfolio+ Other achievements include a complete review of the SOX Corporate Program, reducing deficiencies in more than 60%, a complete review of the Stress Tests and Crisis Management Programs, establishing a more effective way to set capital and liquidity buffers, and the establishment of a new corporate program to evaluate the maturity of each department in managing its risks.
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Managing Director For Financial ControlsBradesco Mar 2013 - Aug 2017São Paulo, BrazilResponsible for the Financial Controlling area (Clients and Branches Results), Corporate Budget and Investment Analysis and Business Integration, coordinating a team of 250 professionals and reporting directly to the CFO.During this period:+ Led the implementation of RAROC in a corporate approach, allowing for better managerial and investment decisions as well as supplying more accurate information for the corporate strategic planning process+ Coordinated the Valuation and Negotiation process, as well as the Business Integration for many acquisitions carried out by the company, such as HSBC, INSS, among others+ Led cross-functional teams to structure an initial version of the Big Data and Data Analytics of the company+ Coordinated a complete review of the indirect costing method and its incorporation to the budget process+ Other achievements include periodic discussions with external auditors and regulators concerning quarterly results, impairment process and tax credit redemption period
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Executive Superintendent - Processes And EfficiencyBradesco Jan 2011 - Feb 2013São Paulo, BrazilResponsible for Processes Review, Reorganization and Efficiency Programs and Indirect Costing Methodology, coordinating a team of 180 professionals, reporting directly to the Managing Director of the area.During this period:+ Coordinated the implementation of a new structure for the Back-Office of the organization, centralizing and rearranging activities, allowing for important efficiency gains of 20% and better service for its clients+ Led the project to spin-off the ATM support structure to TECBAN, allowing for 25% cost reduction in the process.
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Executive Superintendent - Financial ControlBradesco Nov 2009 - Dec 2010São Paulo, BrazilResponsible for Financial Controlling area (Clients and Branches Results), Corporate Budget and Investment Analysis, coordinating a team of 200 professionals and reporting directly to the Managing Director of the area.
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Risk DirectorFebraban Mar 2019 - Dec 2023São Paulo, BrazilRisk Director for the Risk Committee of FEBRABAN, responsible for coordinating the debates and discussions among financial institutions and regulators regarding new regulatory frameworks, the competitive environment and economic scenarios.
Marlos Francisco Araujo Education Details
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Business Administration And Management, General -
Business Administration And Management, General -
Business Administration And Management, General
Frequently Asked Questions about Marlos Francisco Araujo
What company does Marlos Francisco Araujo work for?
Marlos Francisco Araujo works for Abrasca
What is Marlos Francisco Araujo's role at the current company?
Marlos Francisco Araujo's current role is Diretor.
What schools did Marlos Francisco Araujo attend?
Marlos Francisco Araujo attended Harvard Business School, School Of Economics, Business And Accounting At The University Of São Paulo, School Of Economics, Business And Accounting At The University Of São Paulo.
Who are Marlos Francisco Araujo's colleagues?
Marlos Francisco Araujo's colleagues are Nilson Martins De Araújo Junior, Felipe Cabral, Leandro Almeida, Daniela Alencar, Rogéria Rodrigues Machado, Hugo Leal, Fernanda Silva Leite.
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