Ricardo Miguel

Ricardo Miguel is a seasoned Trade-Finance Specialist at NOVO BANCO since 2012, with responsibilities including the analysis of various types of Letters of Credit, structuring commercial operations related to Export Documentary Credits, and controlling SWIFT messages. Prior experience includes a decade at Banco Espírito Santo S.A. as a Comercial Manager, where accountability extended to sales planning, retail contract analysis, customer negotiations, and lead management through CRM systems. Earlier experience at Caixa Geral de Depósitos involved technical support in payment systems, including credit recovery and fraud control. Ricardo holds a degree in History from Universidade Aberta.