Graduate, Faculty of Philosophy, Sciences and Letters, University of São Paulo; postgraduate diploma in Social Psychology, School of Sociology and Politics, São Paulo. 1969, joined Bradesco; 1984, Officer; 2009, Chief Executive Officer; concurrently, Chief Executive Officer, Bradesco subsidiaries. Chairman and President, Banco Bradesco. Chairman of the Board of Directors, Odontoprev; Chairman of the Board of Representatives and President of the Board of Executive Officers, Confederação Nacional das Instituições Financeiras - CNF; Member of the Deliberative Council, Federação Brasileira de Bancos (FEBRABAN). Former positions with various companies and associations worldwide, including: President, Grupo Segurador.