Market Monitoring Tools - Financial Services/Payments

• Strategic Planning• Business Plan• Market Analysis• Financial Analysis/Projections• Asset Valuation• Regulatory Advisory• Executive Education Seminars

• Competitive Strategy• Regulatory Advisory• Business Plan• Asset Valuation

• Business Intelligence • Pricing• Regional Expansion• Business Planning

• Strategic Planning• Business Plan Preparation• Executive Education Seminars• Market & Competitor Research• Financial Projections• Asset Valuation

• Corporate Governance (associated companies): member of Finance Committee (ELO), Business Strategy Committee (Stelo, Banco CBSS and Alelo, former VisaVale) and Business Review Committee (Fidelity and Cielo);• Participation in several M&A transactions: constitution of ELO (Brazilian card association of Bradesco, Banco do Brasil and Caixa Econômica Federal) and Holding ELO (association of Bradesco and Banco do Brasil); Sale of IBI Shops (distribution of credit products) and IBI Credit Portfolio (transaction of several hundred million dollars);• Strategic Planning: design of pricing models to support decision making related to reduction in interest rates and alternatives to preserve margins, as a consequence of regulatory action and government intervention.

• Accountable for Strategic Planning, Business Intelligence and Pricing teams;• Responsible for Budgeting (around US$1B/year of expenses) and Investment Analysis;• Worked on the design of business model with Cielo (the leading company in the merchant acquiring and payment processing industry in LAC) to capture Amex Cards transactions (valuation, negotiation, drafting of legal instruments and implementation – transaction of several hundred million dollars);• Awards: 2007 (individual performance) and 2009 (group performance).

• Responsible for managing a multinational team (sales & support);• Development and implementation of a variable compensation policy for sales teams;• Cost-benefit analysis to support investment decisions, such as key-merchant affiliation.

• Responsible for day-to-day management of the Marketing Services team (DBM routines);• In charge of the telesales channel (exceeded annual card acquisition target by 8%);• Project Management: improve card sales performance and reduce acquisition costs.

• Design and implementation of business management tools (CRM);• Customer portfolio analysis to support business decisions;• Award: "GES Most Valuable Player 2004 - Bahamas", for individual performance.

• Financial Planning