Gema Moreno Novo

Gema Moreno Novo has experience in supporting the commercial and risk analysis department at Garántia. Gema has been involved in creating files, commercial reports, and risk analysis studies for self-employed individuals and small and medium businesses. Additionally, Gema has worked in the financial support department during the Covid-19 pandemic, managing liquidity operations and informing business owners about available financing options. Their background also includes roles in administration, accounting, and auditing for ISO certifications. Gema has a strong educational foundation with a Master's degree in Economics, Business, and Commerce and a Master's degree in Taxation and Fiscal Advisory.