Areas of expertise in Financial Institutions: Risk Management - Credit Assessment - Renegotiation of Distressed Assets - Banking Business Management; - Experience as Financial Advisor, assessing the operational, credit, legal, reputational and compliance risks in financial companies, recommending remediation plans and developing internal policies and guidelines; - Background in Banking Business Management, having worked for 3 years as SR Executive in the Mid-West and North region in Brazil, developing Middle Market business focused on companies with annual turnover from BRL 30M to BRL 1 bn, and also for 12 years in several positions in Branches and as Regional Manager in São Paulo; - 13 years of experience in judgemental credit approval of Retail and Middle Market companies, with individual authority approval for new deals and for renewals, and also authority to approve high end requests for Private Banking and Personal Banking; - 2 years of experience in Corporate Credit Restructuring and Recovery, from Small Business to Multinationals, from amicable discussion to Legal Credit Protection, with individual authority approval for restructuring deals and impairment charges; - Responsible for the periodical review and approval of credit policies and guidelines for Retail and Middle Market and management of corporate portfolio risk; - Liaised with members of external audit (KPMG and PwC), Brazilian Central Bank, BNDES and Bank of England - PRA (Prudential Regulation Authority), representing the Bank for Risk matters; - International experience in the USA and Canada, in professional exchange sponsored by Rotary, and also in workshops provided by HSBC in Argentina, Mexico and Canada;