• Degree in Law from the Lisbon Classical University, in 1982;
• Fellow at the Hans Seidel Stifung, in Munich, between 1982 and 1984;
• INSEAD Eureko Program in 1985;
• Postgraduate in Community Law by the Catholic University, in 1987;
• AESE Senior Management Program for Companies in 1996;
• Postgraduate in Internet Law by the Lisbon School of Law in 2002.

• Deputy to Hoechst Portuguesa Managing Director between 1984 and 1986;
• Legal expert at Banco Pinto e Sotto Mayor (BPSM) International Department until 1988;
• Joined Banco Comercial Português (BCP) In 1988, with the following work functions:

                - Marketing Director until 1993;
                - Director of Int. Private Banking until 1994;
                - Quality Director until 1995;
                - Chief Executive of Private Banking until 1997;
                - Responsible for Legal Advice until 1999;
                - Chief Executive of Banco 7 until 2002;
                - President and CEO of Activo Bank in Portugal and Vice-President in Spain until 2003;
                - Chief Executive of the Retail Network until 2006;
                - Chief Executive of the Corporate and Companies Network until 2021;
                - Director Coordinator of the Specialist Credit and Real Estate Department until 2024.


E-mail address: iapmei.conselho_directivo@iapmei.pt