Extensive professional experience at the financial market and with risks and auditing.

Bachelor and Master degrees in Economics from University of Brasília (UnB). Ph.D. in Economics from University of São Paulo (USP).
Mr. Aldo worked for over 29 years at Banco do Brasil S.A., and his main positions are as follow: International Finance Manager, Market Risk Superintendent , Chief Financial Officer, Chief Officer of Capital Markets, Financial Vice-President, Capital Markets Vice-President, and Investor Relations Vice-President (2005-2009).

Mr. Aldo was CEO of Cia de Seguros Aliança do Brasil (June to December 2009), Officer of Monetary Policy of the Central Bank of Brazil (December 2009 to July 2016) and Executive Officer of Banco Original S.A. (January to December 2017).

Also, Mr. Aldo was as a member of the Board of Directors of B3 – Brasil, Bolsa, Balcão (January 2003 to December 2006), member of the Board of Directors of Previ – Caixa de Previdência dos Funcionários of Banco do Brasil  (March 2003 to June 2008 – Chairman as of August 2004); member of the Board of Directors of CSN – Companhia Siderúrgica Nacional (March 1999 to March 2000), RGE – Rio Grande Energia (March 2002 to March 2004),and holding the same position at TNL – Telemar Norte Leste – currently denominated as Oi – (March 2004 to July 2005), Neoenergia S.A. (August 2005 to March 2006), Visanet – currently denominated as Cielo – (April 2006 to September 2009), CIP – Central Interbancária de Pagamentos (March 2007 to March 2009) and BB Tecnologia e Serviços (May 2008 to April 2009).

Currently, Mr. Aldo holds the positions as a member of the Fiscal Council of Ambev S.A. and a member of the Risk and Capital Committee of Banco Votorantim S.A.

Extensive professional experience at the financial segment.

Mr. Carlos Motta has a degree in Administration with an MBA in Business Management.

Career employee of Banco do Brasil S.A. since 1986, occupying several positions, among them, general manager of the natural person, legal and agro business Unit, retail superintendence of Bahia State, and executive management of the Strategy and Organization Executive board and the Brazilian Southeast Distribution Board.

Mr. Carlos Motta currently holds the position of Vice-President of Banco do Brasil S.A., as well as a member of the Board of Directors of BB Seguridade S.A.

Extensive professional experience at the financial segment.

Mr. Edson has a degree in Art Education from FATEA (Faculdades Integradas Tereza D’Ávila) and in Electrical Engineering from UNISANTA (Universidade Santa Cecília).

In October 1996, Mr. Edson joined Banco Excel Econômico S.A., an institution acquired by Banco Bilbao Vizcaya Argentaria Brasil S.A., later called Banco Alvorada S.A. and incorporated by Kirton Bank – Banco Múltiplo S.A. In September 2003, Mr. Edson was transferred to Banco Bradesco S.A. in the position of Credit Manager, and, in August 2010, he was promoted to Executive Superintendent. In March 2014, Mr. Edson was elected Executive Officer; in February 2015, Chief Department Officer; and, in January 2019, Deputy Executive Officer.

Currently, Mr. Edson holds the position of officer of the following companies of the Bradesco group, as follow: (a) Executive Officer of Banco Bradescard S.A.; (b) Executive Officer of BBC Processadora S.A.; (c) Executive Officer of Bankpar Brasil Ltda.; (d) Executive Officer of MPO – Processadora de Pagamentos Móveis S.A. and (e) Executive Officer of Tempo Serviços Ltda.

In addition, Mr. Edson is also a (a) member of the Managing Body of Fundação Bradesco, (b) member of the Board of Managers of Bradescard México, Sociedade de Responsabilidad Limitada, (c) member of the Credit Committee of Elo Serviços S.A., (d) department officer and sitting member of the Credit Environment of Executive Comission of FEBRABAN – Brazilian Bank Federation, (e) alternate member of the Board of Directors of Gestora de Inteligência de Crédito S.A.- QUOD, (f) member of the Board of Directors of RCB Investimentos S.A. and (g) member of the Board of Managers of RFS Human Management, Sociedade de Responsabilidad Limitada.

Extensive professional experience at the financial and payment methods industry.

Degree in Accounting Sciences from Centro Universitário de Brasília (UniCEUB), MBA in Finance from FIPECAFI/USP (State of São Paulo University) and MBA in Strategic Leadership from INEPAD/UNISINOS.

Career employee of Banco do Brasil S.A. since 1985, working as Officer of Payment Methods since 2019. Previously, Mr. Edson held the position of Executive Officer of the Credit  (07.2015 to 10.2016); Executive Officer of Corporate Bank (02.2014 to 07.2015); General Manager of the Governance Unit of Related Entities (02.2012 to 02.2014); Corporate Superintendent (06.2011 to 02.2012); Business Superintendent (07.2009 to 06.2011); Corporate Agribusiness General Manager (11.2008 to 07.2009); Corporate Industries General Manager (02.2006 to 11.2008) and Market Manager – São Paulo Business Superintendence (06.2003 to 02.2006).

Mr. Edson also holds position as a (a) member of the Board of Directors of Alelo S.A.; (b) member of the Board of Directors of Elo Serviços S.A.; (c) member of the Board of Directors of Parati S.A. Participações em Ativos de Energia Elétrica; (d) member of the Board of Directors of Luce Empreendimentos e Participações S.A. – LEPSA; (e) alternate member of the Board of Directors of Light S.A.; (f) alternate member of the Board of Directors of Light Energia S.A. and (g) alternate member of the Board of Directors of Light SESA.

Mr. Ênio Mathias Ferreira holds a bachelor’s degree in Law from the Unified Teaching Association of Distrito Federal – AEUDF and in Business Administration from the University of Brasilia – UnB. He holds specialization in Public Management from FUNDACE/USP, Marketing from PUC-RJ, Executive MBA in Financial Business from UFC and extension courses at the University of Chicago Booth School of Business in Leadership and Innovation from Harvard Kennedy School. During his professional career at Banco do Brasil S.A., he held executive positions in the Government and Technology areas. Currently, he is Corporate Vice President at Banco do Brasil S.A. He is also a member of the Fiscal Council of EloPar and member of the Deliberative Council of BB Previdência.

Extensive professional experience in corporate law, compliance, corporate governance, and capital markets.

Degree in Law from Rio de Janeiro State University (UERJ) (1972) and Executive MBA from COPPEAD, Rio de Janeiro State University (UERJ) (1987).

His professional career unfold at the Brazilian Development Bank (BNDES), where Mr. Francisco started working as an attorney in 1974 through a public-service admission process. During his career as an attorney at BNDES, he held several positions, among which stands out the position of BNDESPAR’s Legal Superintendent. Mr. Francisco also worked as an executive of the BNDES System, occupying the Superintendent position of Financial and International, Capital Markets, and Administrative Areas. Mr. Francisco also held the position as Executive Officer at BNDESPAR and BNDES. During such period, Mr. Francisco held positions as a member of the Boards of Directors of Fundação de Assistência e Previdência Social do BNDES – FAPES (Welfare and Social Security Foundation) and the Rio de Janeiro Stock Exchange.

After working one year and a half as Chief Officer of the Brazilian Securities and Exchange Commission (CVM), Mr. Francisco was nominated President of the Commission in August 1995, a position he held until the end of January 2000. During this period, he was a member of COMOC (Currency and Credit Commission), an advisory body to the National Monetary Council and the Management Board for Supplementary Pension Plans.  He chaired the Council of Securities Regulators of the Americas (COSRA) and was a member of the Executive Committee of the International Organization of Securities Commissions (IOSCO), organizations that gather, at the regional and international levels, respectively, securities and exchange commissions from around the world.

Mr. Francisco held positions as a member of the Boards of Directors of several companies, including Banco do Brasil S.A. (from 2001 to 2009), Vale S.A. (from 2007 to 2010) and Usiminas S.A.

In the academic field, he worked as Business Law Professor at UERJ’s Law School, Cândido Mendes Law School and the Public Law and Political Science Institute of Fundação Getúlio Vargas (FGV). He is also a lecturer and speaker at conferences in several other entities.

Currently, besides working as an attorney and partner of the law firm Bocater, Camargo e Costa e Silva Advogados, he is also a member of the Advisory Board of COPPEAD – UFRJ (Coppead Institute of Administration) and of the Development Council of Pontifícia Universidade Católica do Rio de Janeiro (PUC-Rio).

Extensive professional experience at the financial markets, especially cards, payment methods, and payment processing.

Degree in Economic Sciences from Pontifícia Universidade Católica de São Paulo.

Mr. Francisco worked at Banco Citibank for 17 years, in the areas of Credit Control, Market Risk Credit Control (Treasury), Regional Division of Legal Entities (except São Paulo), Financial Controllership, also as Deputy Officer.

Between 2005 and 2009, Mr. Francisco worked at Banco Ibi S.A. as Controller, responsible for regulatory information and for attending the Central Bank of Brazil (indirect inspection) and, between 2008 and 2009, Mr. Francisco was the Controllership and Financial Planning Officer. As of 2009, Mr. Francisco joined Bradesco Cartão as a statutory officer, responsible for the financial areas of the Cards Department. In 2020, Mr. Francisco was elected as Executive Officer of Banco Bradesco S.A.

Currently, Mr. Francisco also holds the position of Executive Officer of the following Bradesco group companies, as follow: (a) Crediare S.A.; (b BradesCard S.A.; (c) Bradescard S.A. and (d) BBC Processadora S.A.

In addition, Mr. Francisco holds positions as (a) member of the Board of Directors of Alelo S.A.; (b) member of the Board of Directors of Banco Digio S.A.; (c) member of the Board of Directors of Livelo S.A.; (d) member of the Ethics and Self-Regulation Council of the Brazilian Association of Credit Card and Services Companies (ABECS) and (e) alternate member of the Fiscal Council of the Brazilian Association of Credit Card and Services Companies (ABECS).

Extensive professional experience in the financial and technology markets, as well as solid knowledge in the areas of risk, compliance, audit, capital markets, and corporate governance.

Degree in Business Administration from the São Paulo School of Business Administration of Fundação Getúlio Vargas (1972).

In his professional career, Mr. Gilberto worked, from 1994 to 2008, as general officer of BOVESPA – São Paulo Stock Exchange, currently B3 (Brasil, Bolsa, Balcão), and CBLC (Cia Brasileira de Liquidação e Custódia).

During this period, Mr.. Gilberto was responsible for creating the Novo Mercado, integrating the Brazilian stock exchanges, demutualizing, and carrying out B3’s IPO, negotiating the merger of BOVESPA with BM&F, among others.  Later, Mr. Gilberto was elected as the first Chairman of the Board of BM&FBOVESPA S.A – Bolsa de Valores, Mercadorias e Futuros.

At the international level, for eight years, Mr. Gilberto held the positions as a member of the executive committees of the World Federation of Exchanges (WFE) and of the Ibero-American Federation of Exchanges (FIAB).

Between 1971 and 1994, Mr. Gilberto worked as executive and executive officer of banks, and companies in the financial and technology segment as (French and Italian; Serasa; Northwest; Business and Industry; General of Commerce; Sudameris), working mainly with credit, planning, information technology, products, marketing.

Between 2005 and 2012, Mr. Gilberto held the position as a board member, Vice-Chairman, and Chairman of the Board of Directors of the Brazilian Institute of Corporate Governance (IBGC).

Extensive experience as a member of the audit, risk, and finance committees of several companies.

Mr. Gilberto currently holds the positions as a (a) Independent Member of the Board of Directors, Member and Coordinator of the Audit Committee and Member of the Nomination and Governance Committee of Totvs S.A., (b) Independent Member of the Board of Directors and Member of the Audit Committee, Risk Management Committee and Finance Committee of Natura S.A.; (c) Member of the Board of Directors of Pacaembu Construtora S/A.; (d) Member of the Fiscal Council of CIEB – Centro de Inovação para a Educação Brasileira; (e) Member of the Fiscal Council of Fundo Patrimonial Amigos da Poli; (f) Member of the Fiscal Council of Instituto Arapyaú de Educação e Desenvolvimento Sustentável; (g) Member of the Advisory Council of Pragma Gestão de Patrimônio Ltda. and (h) Member of the Advisory Council of RAPS – Rede de Ação Política pela Sustentabilidade.

Mr. José Ricardo Fagonde Forni holds a bachelor’s degree in Economics from the University of Brasília-UnB, an MBA in Finance from IBMEC and advanced certification in Innovation from IMD (Switzerland), in addition to several courses on finance and risk in Brazil and abroad. At Banco do Brasil S.A. he served as Assistant Manager at BB London (United Kingdom) and held the positions of Chief Internal Control Officer of BB (2017-2019) and Chief Supply, Infrastructure and Assets Officer (2019-2021). Also, he held the position of Administrative, Financial, Risk and Compliance Officer at Brasilcap Capitalização S.A. (2016-2017). He is currently Vice President of Financial Management and Investor Relations at Banco do Brasil S.A. and Member of the Board of Directors at Banco Votorantim S.A. (“BV”) and Elo Participações Ltda (“EloPar”).

Extensive professional experience at the financial markets, especially cards, payment methods, and payment processing.

Degree in Business Administration from Pernambuco State Federal University (UFPE). Specialization in Finance from Brazilian Institute of Capital Markets (IBMEC) and Advanced Management Program (AMP) from IESE – Business School – Universidad de Navarra in Barcelona.

Mr. Marcelo started his career at Banco Banorte, and, as of July 1996, he worked as Commercial Executive Officer of Banco Alvorada S.A., formerly Banco Bilbao Vizcaya Argentaria Brasil S.A., where he became Vice-President, responsible for products, trade finance, middle market and retail.

In February 2004, Mr. Marcelo was elected Department Executive Officer at Banco Bradesco S.A. In December 2010, he was elected Deputy Executive Officer and in January 2012, Executive Managing Officer. Mr. Marcelo is currently the Executive Vice-President of Banco Bradesco S.A.

Currently, Mr. Marcelo also holds the position of executive officer of the following companies of the Bradesco group, as follow  (a) Vice-President of Banco Bradescard S.A.; (b)Vice-President of BEM – Distribuidora de Títulos e Valores Mobiliários Ltda; (c) General Executive Officer of Banco Bradesco BBI S.A.; (d) Vice-President of Banco Bradesco BERJ S.A.; (e) Managing Executive Officer of Banco Bradesco Financiamentos S.A.; (f) Vice-President of Bradesco Administradora de Consórcios Ltda.; (g) Vice-President of Bradesco Leasing S.A.- Arrendamento Mercantil; (h) Vice-President of Banco Losango S.A. – Banco Múltiplo; (i) Vice-President of Kirton Bank S.A. – Banco Múltiplo; (j) Executive Officer of Nova Cidade de Deus Participações S.A. and (l) Managing Executive Officer of Fundação Bradesco.

Mr. Marcelo is also a member of the Board of Directors in the following companies: (a) member and Vice-Chairman of the Board of Directors of Alelo S.A.; (b) member and Chairman of the Board of Directors of Banco Bradesco Europa S.A.; (c) member of the Board of Directors of BBD Participações S.A.; (d) member and Vice-Chairman of the Board of Directors of Banco Digio S.A.; (e) member and Chairman of the Board of Directors of Bradesco Securities Hong Kong Limited.; (f) member and Chairman of the Board of Directors of Bradesco Securities UK Limited; (g) member of the Board of Directors of Cidade de Deus – Companhia Comercial de Participações; (h) member of the Board of Directors of Elo Participações Ltda. and (i) member of the Governing Body of Fundação Bradesco.

Mr. Marcelo also worked as CEO of the Brazilian Association of Credit Card and Services Companies (ABECS) from 2013 to 2017.

Extensive professional experience at the financial markets, especially cards, payment methods, and payment processing. Degree in Business Administration, MBA in Capital Markets from IBMEC/SP, MBA in Business Management from INSPER, MBA in Retail Business: Strategy and Management from Fundação Instituto de Administração (FIA) and Advanced Management Program (AMP) from ISE Business School.

Mr. Vinícius started his career in banks in 1992, at Banco Excel S/A, and remained there until September 1995. From September 1995 to November 2003, Mr. Vinícius worked at the banks Pontual S/A. and Zogbi S/A. At these companies, he worked in the area responsible for the business relationship with medium and large companies, more specifically in the management of credit and fundraising operations.

Between 2002 and 2003, Mr. Vinícius worked at Banco Zogbi S/A. as Deputy Business Officer, responsible for structuring partnerships with Retailers to originate direct consumer credit operations. In November 2003, Banco Zogbi S/A. was acquired by Banco Bradesco S.A, and, as of this date, Mr. Vinícius works at the Finasa Promotora de Vendas as Executive Superintendent, responsible for direct consumer credit operations with large retailers.

In July 2006, due to the acquisition of the Brazilian operation of American Express by Banco Bradesco S.A., Mr. Vinícius became responsible for the network of American Express clients in Brazil. In August 2010, Mr. Vinícius also became responsible for managing the product portfolio for individuals and companies under the American Express brand, when he was appointed as Executive Officer at the Cards conglomerate of Banco Bradesco S.A. Mr. Vinícius was also responsible for the product portfolio of Visa, Mastercard, and Elo cards.

In July 2013, Mr. Vinícius was appointed Executive Officer at Banco Bradesco Financiamentos S.A, operation responsible for the sale of payroll-deductible loans to retirees, pensioners and civil servants, remaining in this position until February 2017, when he was appointed as Executive Officer of Banco Bradesco Cartões. In 2019, he was elected as Department Executive Officer of Banco Bradesco S.A.

Currently, he also holds the position of Executive Officer of the following Bradesco group companies (a) Banco Bradescard S.A.; (b) CEO of Elo Participações Ltda..

Mr. Vinícius is also a member of the Board of Directors at the following companies: (a) member of the Board of Directors of Alelo S.A.; (b) member of the Board of Directors of Banco Digio S.A; (c) member of the Board of Directors of Crediare S.A. Crédito, Financiamento e Investimento; (d) member of the Board of Directors of Elo Participações Ltda.; (e) member and Vice-Chairman of the Board of Directors of Elo Serviços S.A. and (f) member of the Board of Directors of Livelo S.A.

Mr. Vinícius is Vice-President of the Brazilian Association of Credit Card and Services Companies (ABECS).

Executive Director of People, Management and Performance since September 2020.
Mr. Fernando has a degree in Business Administration from Fundação Getúlio Vargas/EAESP-FGV, in Psychology from PUC-SP and an International Executive MBA from FIA/USP. In addition, he has several specializations in People Management and Cultural and Digital Transformation at institutions such as INSEAD, Michigan University, Hyper Island, Barrett/Crescimentum and Prosci. Developed his entire career in the area of ​​People and Culture, with solid experience in cultural transformation, business structuring, turnaround processes, M&A and integration, including consumer goods, entertainment, finance and consulting in companies such as The Walt Disney Company, ESPN, Santander, Credicard, Unilever and Accenture. Since 2017 he has been leading the People department at ESPN International, being based in the United States, he has served as the head of HR in projects related to Cultural/Digital Transformation, Diversity and Inclusion and preparing the global HR team to drive business goals. In the last year he worked directly in the integration process between Disney, ESPN and Fox on fronts such as organizational design, communication flow and synergy analysis.

Chief Executive Officer since May 2021 and IRO since March of 2019.
MBA from Columbia Business School, a Master in Business Economics Management from the University of Brasilia, an MBA in Financial Administration from Fundação Getúlio Vargas and graduated in Business Administration from the Federal University of Rio Grande do Norte. Mr. Gustavo Sousa has held several noticeable positions in large Brazilian companies, having last served as Chief Financial Officer and Investor Relations Officer of Klabin. In addition to Klabin, Mr. Gustavo Sousa was the Chief Financial and Investor Relations Officer of CPFL Renováveis, Controlling, Treasury, Investor Relations and Tax Executive Director of Companhia Siderurgica Nacional and Controller and General Manager of Investors Relations of Banco do Brasil.

Risk Executive Officer since January 2019.
Mr. Toniolo holds a degree in Business Administration with emphasis in systems, with graduate studies in Administration from EASP FGV/SP and a master’s degree in Computer Engineering from Technological Research Institute of the University of São Paulo (IPT/USP). Over the last three years, Mr. Toniolo worked as Compliance and Corporate Risk Statutory Officer at Paypal, previously he worked in other financial institutions, such as American Express, Itau-Unibanco, Safra, and HSBC. He joined the company in January 2019 to head the Corporate Risk, Compliance and Internal Controls area.

Executive Vice President of Commercial – Own Channels since January 2020.
Mr. Paulo Naliato holds a bachelor’s degree in Law from Faculdades Metropolitanas Unidas – FMU and a specialization degree in Global Business Management from IESE. During his career, he developed a solid experience in people management, business structuring, processes, M&A, integration and cultural transformation, having worked at companies such as Banco Nacional/Unibanco, Excel Econômico/BBVA and ABN AMRO Real/Santander. In the last six years, he was part of the senior management of Via Varejo (Casas Bahia and Ponto Frio), having held the position Vice-President of HR, leading a profound transformation of the business and contributing to the company’s IPO. Subsequently, as COO, he led a team of 40,000 people, including the sales teams of physical stores, the sales management and development of the digital channels, and management of the logistics operation.

Mrs. Daltro holds a Bachelor’s Degree in Business Administration from DeVry Educacional do Brasil, with an Executive MBA in Marketing from the University of São Paulo and extension courses from Business School São Paulo – BSP and Harvard Business School. She has over 22 years of experience in the financial services industry, working in several companies, such as: Citibank, Alelo and Interfile, acting in commercial areas and focusing on Key Accounts, with emphasis on her roles in CRM, digital transformation and customer segmentation projects.