As a Financial Fraud Specialist, I am responsible for specify, deploy and configure in financial clients the Thales-Gemalto IdCloud Fraud Prevention and Risk Management Platforms, anti-fraud and risk management cloud solutions, integrating top of the market anti-fraud products, like ThreatMetrix and NuData (from MasterCard) into multi-strategy platforms focused on digital financial institutions, in Latin and North Americas, reporting directly to the Global Head of Financial Risk Solutions, in France, and interacting with sales areas in Latin and North Americas, and operations, product and IT development areas in US, France, Czech Republic and Singapore.• In the Fraud Management scope, I led the Proof of Value and the Production Deployment of Thales IdCloud Fraud Prevention and Risk Management solutions in several Thales-Gemalto financial clients, in Brazil, Argentina, Colombia, US, and Spain, supporting the pre-sales activities, mapping the client´s fraud vulnerabilities and use cases, defining the suitable anti-fraud engines to be engaged in each use case, supporting the solution integration and tests, and establishing and fine tuning the rules, parameters and scores of the solution, in the beginning of the operation.• Interacting with product and IT areas I supported the evolution of the Fraud Prevention and Risk Management solutions by the onboarding of new anti-fraud engines (external partners) into Thales IdCloud platform, and work in the definition of new features and functionalities of the solution to better support client´s demands and needs.

In the 1st line of defense, I was responsible for the creation of the Fraud Prevention Area of Banco Sofisa Direto, reporting directly to the CEO of the bank, and interacting with business, operations, product, IT development and control areas.• I led the creation and structuring of the Fraud Prevention area of Banco Sofisa Direto, defining and specifying processes, customer services scripts and solutions focused on fraud prevention, detection and combat.• I specified the antifraud solution adopted at Sofisa Direto, based on electronic channels (Internet and Mobile banking) access and transaction analysis and risk score generation, evaluating and selecting the solutions available in Brazilian market.• I selected and trained professionals for working in fraud prevention area and from customer service and onboarding areas, in antifraud processes.• I acted as the PO of the antifraud and onboarding (client acquisition) development squads, following the Agile methodology, focusing on fraud prevention and onboard automated process – including biometric (face recognition) and geolocation validation solutions as well as automated validation of client´s identity documents.• I act identifying new fraud methods and mapping fraud risks in internal and external bank processes – proposing mitigation controls – and benchmarking fraud solutions with other digital companies.

Responsible for Corporate Fraud Management in Brazil and Latin AmericaFunctional report to the Regional Head of FM program, in Mexico, and matrix report to the Head of Security and Investigations in BrazilLeader of two FM professionals in Colombia and Panama• Acting in the 2nd line of defense, I was in charge of the Global Fraud Management Policy deployment and oversight in all Citi areas: business, back office and support• I generated fraud awareness activities in all company, including periodic fraud risk assessments in the organizational processes, creating a fraud prevention and control culture of the areas regarding fraud risks. I have duplicated, in two years, the number of processes identified with fraud risk, and defined and evaluated the controls, indicators and tests, not existent or mapped until then• I propounded and sponsored the bottom-up creation of a Multidisciplinary Workgroup to evaluate fraud and information leakage risks resulting from the divestiture process of Citi Brazil retail operations. I have engaged managers of relevant areas and coordinated the work of the Group, reporting the results directly to the country chairman of the bank. One of the main results was a 30% reduction related to the unneeded access of employees to systems and equipment, reducing organizational exposure to undue leakage of sensitive information• I participated in the analysis and containment of the main fraud cases, generating Lessons Learned Reports, with identification of vulnerabilities, root causes (technical and systemic) and correction and mitigation plans and activities• I coordinated, in conjunction with Operational Risk Area, periodic Fraud Oversight Committees, in Brazil and Latin America, involving representatives of all areas in the 1st line of defense, presenting major fraud cases, Lessons Learned Reports, fraud trends and new fraud attacks and threats, aiming generation of fraud awareness and action plans to mitigate and prevent fraud risks

In the 1st line of defense, I headed the Antifraud Strategy and Solutions Area and a team of 4 senior analysts, being responsible for the creation and implementation of antifraud strategy, processes and solutions in electronic channels, means of payment and branches of Santander and Banco Real (internet banking, ATM, call center, mobile, debit and credit cards, checks). I was also responsible for the identification and analysis of new fraud threats, attacks and trends and for the definition and evaluation of the alert generation rules for the client access and transaction on-line monitoring tools (PRM, Lynx)• I negotiated intensely with business and IT areas the specification and implementation of new antifraud solutions and procedures, always seeking for the correct balance between security/fraud prevention and business/client impact, and the celerity and safety in the development and deployment of these projects. In the integration process of Santander and Banco Real, I have defined and negotiated antifraud solutions that, once implemented, reduced 80% of fraud losses in internet and telephone channels, from 2009 to 2012• I participated in the merging process of Banco Real and Santander and, looking for synergies, I was able to keep the size and structure of my area in Banco Real and expand its scope of action to both merged banks• I developed the specification and followed the development, along the supplier, of a pioneering antifraud solution, based on a protection tool installed in client´s equipment. I defended the solution, presenting to the business and IT areas its advantages and potential, obtaining approval for the acquisition and deployment, virtually eliminating fraud losses on internet channel of Banco Real for almost two years. This solution ended up being adopted by most of the major Brazilian banks, reaching 80% of all the equipment (more than 20MM of computers) used to access the internet channel of the banks in the country.

Manager of a 10 people development team of analysts, programmers and designers, responsible for a wide variety of web solutions, for large clients as Febraban, Ericsson, Voith-Siemens, Alcatel, Bradesco e Grupo Abril (large Brazilian communication Group).

As a Project Manager in the Retail Unit, I controlled the development and deployment of projects of fiscal printers, electronic price tags, multimedia totems and Data Warehouse (Teradata) systems.

As a Product Manager and Project Manager I implemented the localization and the assembling lines for servers, computers and ATMs of NCR Manufacturing Unit in Brazil, internalizing the production of these systems in the country. I also worked in presale support of these products.

As a Senior System Engineer I designed software and communication protocols for hardware appliances and data collector terminals, in multi task environments.

As a Project Engineer I designed software and hardware for IMB 3270 compatible terminals and concentrators.