Rafael Goncalves is a seasoned professional in product management and delivery, currently working in Cards Engineering at PayPoint plc since June 2024. Prior to this role, Rafael served as Product & Delivery Lead for Insurance at Vodafone and held the position of Senior Product Manager for Real Time Payments at Visa. Experience also includes Senior Product Owner at YOOX NET-A-PORTER GROUP and Product Manager at Sky. Rafael's career began at Betfair, where contributions spanned multiple roles, including Commercial Manager for New Products and fraud-related positions. Earlier positions include Marketing Executive at CW Eventos and Marketing Assistant at JCG. Educational credentials include a Diploma in Compliance from the International Compliance Association, a Master’s degree in Business Administration from FAAP, and a Bachelor’s degree in Marketing from Universidade Presbiteriana Mackenzie.