Boanerges Ramos, 40 years of experience focused on financial services, president of Boanerges & Cia Consultoria since 2001, more than 200 projects developed. Previously, for 20 years, he was an executive in this sector (vice president of Visa, director of CSU CardSystem and director of Credicard). He was founder and president of the Prepaid Sector Group – currently Pagos. He graduated and took a Master’s degree in Economics from Universidade São Paulo (USP), post-graduated in Business Administration at ESSEC – École Supérieure des Sciences Économiques et Commerciales – Paris/France and at FGV. He also served as a professor in executive training courses, specialization courses, MBAs and as a counselor.