João Manuel, studied Economic Sciences at PUCC Campinas, and has a Business Management degree from Fundação Dom Cabral. He also studied Financial Management and Administration at FGV and is a specialist in Advanced Leadership at Haggai Instute, United States. João has been working in the banking market since 1973 and has worked at Bradesco, Unibanco, Safra, Santander and Sofisa. Currently, João is CBDO of Travelex Bank.