Born on July 3 1955. Degree in Economics from Faculdades Padre Anchieta. He joined Bradesco in October 1973. He held all the positions of the hierarchical scales in a bank. He was elected as Regional Director in January 2005 and as Department Director in March 1998 which position he held until September 1999. In June 2003 he returned to the Board of Executive Officers as a Managing Director position currently held. He is Member of the Managing Body of Fundação Bradesco and the Board of Directors of the Foundation Institute of the Digestive System and Nutrition Diseases (FIMADEN). He is also Member of the Full Board of Officers of the Commercial Association of São Paulo since August 2003 and was Member of the Decision Making Body of that Association from February to September 1999. At Banco Baneb S.A. he also held the positions of Director and Managing Director from June 1999 to October 2001. At BCN S.A. he acted as Managing Director from October 2001 to March 2004. He was Sitting Member of the Board of Directors of the Association of Banks of the State of Goiás (ASBAN) from January 1995 to January 1997.