Mariana Bettencourt

Mariana Bettencourt is an experienced Legal Advisor currently working at Banco Santander Totta since March 2017, focusing on legal issues related to cards, payments, accounts, insurance, and personal loans, while also collaborating on digital transformation projects utilizing Agile methodology. Prior to this role, Mariana served as a Legal Advisor at UTAP, where responsibilities included launching, monitoring, and renegotiating Public-Private Partnerships contracts. An earlier position at the European Commission involved contributing to the Equal Treatment Legislation unit, gaining insight into EU policies on equality and non-discrimination. Mariana's legal career began at PLMJ, where work spanned public law, administrative law, and environmental law, alongside an initial role as a Trainee Lawyer handling various legal matters. Educational achievements include a law degree from Universidade Católica Portuguesa and numerous certifications in fintech and human rights.