Renan Torres Email & Phone Number

Denver, CO, US

• Leading the team responsible for designing and implementing credit, debit, and prepaid card solutions for the Latin America and Caribbean (LACA) region.
• Supporting product specifications and designing technical solutions in collaboration with the development team for efficient implementation.Highlights:
• Led a strategic project for the development of a prepaid card, focusing on securely facilitating the receipt of money.
• Participated in the development of WU’s digital bank in Brazil (Wallet), collaborating with the team to detail functional requirements and create efficient processes between product and technology teams. Focused on.

Campinas, São Paulo, BR

• Led the technology team in creating innovative digital products aimed at optimizing commodity trading journeys and market risk management (stock exchange).
• Managed the complex challenges associated with the startup's rapid growth, adopting agile practices (Scrum) and emerging technologies to scale the solution while ensuring the MVP's stability and scalability.
• Supported the creation of new product features and the transformation of the technology team, with responsibility for hiring, strategic replacements, and establishing an organizational culture focused on innovation and.
• Adopted new technologies, including migrating from PHP to.Net C#, improving cloud solutions, and reducing costs.
• Developed new solutions using modern service paradigms, domain separation, and implemented the frontend with React, while applying the legacy strangulation technique.Results | Highlights:
• Implemented DevOps practices, resulting in operational efficiency gains and a 50% reduction in cloud costs.

São Paulo, São Paulo, BR

• Managed the software engineering team in developing solutions for B3 Equities and Derivatives, focusing on "Retail Variable Income Trading."
• Sustained and enhanced the Order Management System (OMS) and risk authorizer (leverage), implementing observability work that enabled the identification of latency metrics and transaction volume across all OMS.
• Reduced latency bottlenecks in trading, decreasing the 99th percentile (P99) latency from 300 milliseconds to 30 milliseconds.
• Led the project to unify the Rico and XP brands, promoting system reuse, reducing infrastructure costs, and achieving operational gains. The project involved registration, back-office, settlement, customer service, and.
• Actively participated in the architecture committee to create a new OMS trading solution for the XP group.
• Supported the technical and cultural development of employees, resulting in the promotion of a new partner for the company.

São Paulo, São Paulo, BR

• Led the development teams for the Forex (FX) squad.
• Resolved internal team issues, including employee replacement and people management.
• Reorganized the backlog, improving the refinement of new features and adopting agile methodologies (Scrum).
• Identified high-potential employees and made strategic decisions regarding terminations.
• Implemented an automatic settlement system, increasing operational efficiency and reducing settlement time.
• Adjusted the use of technologies, as directed by the architecture team, to improve performance and scalability.Results | Highlights:

São Paulo, São Paulo, BR

• Managed the development team for the Credit Origination squad, focusing on "Credit Origination," as well as leading the FX team.
• Built an entirely new team, including hiring highly qualified professionals with technical expertise and cultural alignment.Results | Highlights:
• Developed the credit card origination and maintenance pipeline for the XP card, implementing a fully cloud-based solution using Kubernetes on Microsoft Azure.
• Implemented a scalable, cost-optimized architecture, composed of an ecosystem of 15 event-driven microservices, ensuring security and efficiency in the launch of XP’s credit card.
• The solution reached 1 million active cards by 2023, generating R$232 million in revenue.
• The ecosystem was also used for credit and loan offerings, expanding XP's financial product portfolio.

São Paulo, São Paulo, BR

• Managed the team in developing solutions for the Derivatives squad (structured products and COE).
• Built a solution for managing the proprietary treasury book of the XP Group, aiming to optimize cash management and the creation and distribution of structured products and COE.
• Hired and recruited qualified professionals, focusing on strengthening the organizational culture.Results | Highlights:
• Democratized investments, providing access to products typically available to private clients to all XP customers.
• Pioneered and developed the first fully digitized over-the-counter derivatives platform (internal back-office processes, front-office, and digital experience for investment advisors).

London, UK, GB

• Client: Ágora Investimentos - Bradesco
• Technical leadership in the Digital Transformation project for Ágora Investimentos - Bradesco, focusing on the delivery of the Public Offering project.
• Contributed to adjusting various business functionalities, utilizing specialized knowledge of the financial market and experience gained over the years.

• Identified and resolved recurring problems in condominium management, focusing on process optimization and facilitating management for building managers.
• Gathered requirements and defined essential functionalities, in partnership with building managers and a lawyer specializing in real estate law, ensuring that the system met legal and operational needs.
• Fully developed an MVP system, including the creation of an interactive portal that enabled efficient communication between residents and the condominium administration, optimizing task and daily demand management.

São Paulo, São Paulo, BR

• Supported the development team in the architecture of a new reservation system aimed at managing fund positions, ensuring the system’s scalability and efficiency.
• Led the product discovery phase, conducting meetings with the trading desk and back-office staff to gather requirements and define the system’s key functionalities.
• Delivered a detailed roadmap and a transition model, enabling Pragma’s team to continue the project development autonomously and in a structured manner.

São Paulo, São Paulo, BR

• Invited to the challenge of learning and mastering all skills related to the Brazilian fixed income market, focusing on applying technical knowledge to reshape processes and systems in the trading desk.
• Maintained contact with banks to negotiate CDB, LCA, LCI, and LF, and interacted with institutional trading desks for negotiations of government bonds (NTNB, NTN-F, LTN, LFT) and private bonds (Debentures, CRA, CRI).
• Developed an automated system to manage the daily cycle of the retail trading desk, covering everything from market opening, unit price calculation, position checking, settlement process, to tracking operations by.

São Paulo, São Paulo, BR

• Coordinated the development and maintenance of systems for the Derivatives (BM&F) and Equities (Bovespa) segments, covering the complete settlement and trade confirmation process with clients.
• Integrated Derivatives trades with JP Morgan by developing middleware to send trade confirmations between the Sinacor post-trade system and JP Morgan’s OpenBlotter.
• Integrated Equities and Derivatives trades with Goldman Sachs by creating middleware to send trade confirmations via FTP.
• Completely refactored the post-trade confirmation system, automating the sending of confirmations via email and FTP for institutional clients.
• Developed a post-trade system for the trading desk, based on Exchange DropCopy, consolidating trades and eliminating dependency on the Sinacor system, while integrating with the financial system to correctly identify.

São Paulo, São Paulo, BR

• Developed automated trading strategies for XP’s algotrading team, focusing on meeting the needs of institutional clients.
• Worked closely with the trading desk team to validate and apply knowledge gained from B3 courses, tackling highly complex technical and operational challenges.

Zurich, CH

• Worked as a hands-on systems analyst, developing robust trading systems using.Net Framework/C#.
• Faced and solved complex challenges, ensuring the delivery of high-quality products with agility while sharing technical knowledge with the team to achieve desired results.
• Self-taught and self-motivated, learning new technologies and skills to support the squad in creating innovative and efficient solutions.
• Developed the "Broker-dealer" post-trade equity system, with the capability to process 10,000 messages per second from BMFBovespa, using a gateway component developed in C#.
• Integrated with DropCopy sessions from the exchange via FIX Protocol and STM Hub sessions via EuroNext MMTP Protocol, translating and identifying messages (Order, Replace, Cancel, Trade) and distributing them through.
• Implemented GUI forms for traders to confirm trades, check average prices, and generate confirmations in the front office, as well as manage orders, allocate trades, and generate confirmations in the middle office.

São Paulo, SP, BR

• Developed and architected systems for various industry segments, gaining broad technical experience.
• Led projects, driving and delivering software solutions with a focus on quality and meeting established deadlines.
• Conducted meetings with clients to gather requirements, understand business needs, and prepare technical proposals.
• Developed web-based distributed systems, focusing on complex integrations with a proprietary ERP system.
• Created custom e-commerce websites to serve a wide variety of industry segments, ensuring scalability and integration with existing systems.

Mba In It Management

Mba In Investments And Private Banking, Financial Market

Associate Degree In Information Technology For Business Management

Technical Degree In Computer Networks

Technical Degree In Systems Analysis And Development