Mr. Santos is an economist and holds two MBA degrees: in Brazil by IBMEC/SP and in the United States by Vanderbilt University/Tennessee, where he also obtained a specialization in Latin American Affairs; Studied a Master’s Degree in Psychotherapy from Escola Paulista de Psicodrama; Post-Master in Global Business from IESE Madrid; specializations by London Business School in Business Leadership and Digital Transformation, by IMD Lausanne in Diversity and Inclusion, by Cambridge School in Sustainability and by Consciousnesses EEUU in Applied Quantum Physics – Access Bar. He also concluded the Course on Best Practices for the Board of Directors, the Audit Committee, and IRB’s Management Responsibility, taught by the Brazilian Institute of Corporate Governance (IBGC). He has received, for four times, the “Executivo de Valor” award as the Best CEO in the Sector by Valor Econômico newspaper, and he is one of the 5 most influential executives in Latin America in the insurance sector according to Insurance Business Review. With over 40 years of experience in the area, he chaired the Brazilian Federation of Life and Pension at the beginning of the last decade. Among the main positions he has held include i) before joining IRB and for the past 5 years he held positions on the Board of Directors of various units around the world at Assicurazioni Generali S.p.A, where, until March 2020, he held the position of CEO for the Americas and Southern Europe Regions; (ii) He was CEO of Zurich Insurance Group for Latin America when he also held the position of Chairman for Latin America and Member of the company’s Global Advisory Board from 2011 until 2015; iii) as Executive Chairman, he chaired the Mapfre Brasil Seguros Group between 2000 and 2011; iv) worked at Whirlpool in various senior management positions in Brazil and the United States between 1992 and 2000; and v) between 1979 and 1992, he developed his career passing through several companies in the sector, from the position of “clerk” to reaching at age of 24 the CFO position. In addition, he is a representative member of Brazil in the Genéve Association, an important entity that brings together relevant personalities from the insurance world and is considered the main think tank in the sector.