Professional with over 19 years of experience in Fraud Prevention, Risk Management, Credit Underwriting, Compliance, and Internal Audit, with a background across various industries, including Retail, Technology, Insurance, and Payment Methods. Strong expertise in developing and implementing fraud prevention strategies, focusing on risk mitigation and regulatory compliance. Skilled in leading complex corporate investigations, mapping vulnerabilities, and defining preventive controls. Experienced in managing credit underwriting processes and risk analysis, as well as configuring score models and conducting third-party due diligence. Recognized for leading process optimization projects, reducing losses, monitoring critical indicators, and fostering collaboration among multidisciplinary teams to deliver solid results.Resolução CMN 4.658/2018 | Resolução CMN 4.753/2019 | Circular BACEN 3.682/2013Resolução CMN 2.682/1999 | Circular BACEN 3.644/2013 | Resolução CMN 4.557/2017 | Resolução CMN 4.606/2017 |Resolução CMN 4.753/2019 | Lei nº 9.613/1998 | Circular BACEN 3.978/2020 | Lei nº 13.260/2016 |Lei nº 12.846/2013 (Lei Anticorrupção) | Decreto nº 8.420/2015 | Lei nº 8.429/1992 | Circular BACEN 3.040/2002 |Resolução CMN 2.554/1998 | Resolução CMN 4.595/2017 | Circular BACEN 3.467/2009.Prevenção a Fraudes | Prevenção a Perdas | Concessão e Risco de Crédito | Investigação de Fraudes | Política de Crédito | Controles Internos | Regras de Negócio | Indicadores de Performance | Compliance Regulatório | Políticas e Procedimentos | Due Diligence | Auditoria Interna | Diagnostico de "Modus Operandi" | Reporte de Compliance | Redução de Quebras | Investigação Interna | Relatórios Executivo | Gestão de Riscos | Indicadores de Riscos | Testes de Controles | ISO 31000-2028 | PDCA | COSO ERM