Ricardo Amaral has extensive experience in leadership and management roles within the financial services industry, primarily at Western Union since April 2013, where responsibilities have included head of Digital Banking for Latin America and the Caribbean, as well as overseeing operations in Brazil and various countries across South America. Previously, Ricardo held positions with GE in a management development program and served as a Commercial Manager, along with previous roles in marketing at Western Union and Danone. Educational qualifications include an MBA from IAE Business School and an exchange program at UCLA Anderson School of Management, along with a Bachelor's degree in Business Administration from FGV - Fundação Getulio Vargas.