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Born on October 6 1951. Graduated in Philosophy from the School of Philosophy Sciences and Literature of São Paulo post-graduated in Socio-Psychology from School of Sociology and Politics of São Paulo. He began his professional activities in Bradesco in April 1969. He held all positions of the hierarchical scale of a bank. In January 1984 he was elected a Department Director in March 1998 a Managing Director and in March 1999 an Executive Vice President position currently held. Since March 2003 he holds the position of Chief Executive Officer of Bradesco Seguros S.A. and held cumulatively the position of Member of the Board of Directors from March 1999 to March 2005. He also participates in the Administration of other Companies of Bradesco Organization. He is Member of the Managing Body and Managing Director of Fundação Bradesco and Member of the Board of Directors and Managing Director of the Foundation Institute for Digestive System and Nutrition Diseases (FIMADEN). Besides these activities he is President of the Supplementary Health National Federation FENASAÚDE Member of Honorable Council ANSP National Academy of Insurance and Plan Association Member of the Consultive Council of APTS -São Paulo Association of Insurance Technicians and Vice-President of the Supplementary Health Studies Institute (IESS) Board of Governors . He was a Sector Officer of the Brazilian Association of Sales Managers (ADVB) Chief Executive Officer of the National Private Pension Plan Association (ANAPP) Member of the Managing Council of the Brazilian Association of Publicly-Held Companies (ABRASCA) and of Rio de Janeiro Commercial Association Member of the Board of Directors of the Companhia Siderúrgica Belgo-Mineira Marketing Sector Officer and Member of the National Council of Bank Ethics (CONEB) of the Brazilian Federation of Bank Association (FEBRABAN). | 