Board of Executive Officers
The Board of Executive Officers is in charge of establishing and monitoring the performance of the strategic guidelines of the Board of Directors, as well as managing and representing the Company.
Members | Position |
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Marcelo de Araújo Noronha | Chief Executive Officer |
Chief Executive Officer (CEO) of Banco Bradesco S.A. since November 2023, noted for his professional experience, acquired over more than 38 years in the financial market, 20 of which were dedicated to the Bradesco Organization, where he worked in the areas of Cards, Wholesale, Marketing, and Retail. At Bradesco, he held various leadership positions throughout his career, including vice presidencies in areas such as Corporate, Bradesco Empresas, Bradesco BBI, International, and Foreign Exchange. He was also responsible for Bradesco Cartões and affiliated payment and payment institution companies, including positions on the Boards of Directors of companies such as Alelo Instituição de Pagamento S.A. and Cielo S.A. – Instituição de Pagamento. His management style is results-oriented and focused on the continuous pursuit of innovation. He has been recognized for his ability to lead complex projects and for his strategic vision, which has helped strengthen Bradesco’s position in the financial market. He holds a degree in Business Administration from Universidade Federal de Pernambuco (UFPE), with a specialization in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), in Financial Institutions Management (Banking) from Escola de Administração de Empresas de São Paulo da Fundação Getulio Vargas (EAESP – FGV), and an Advanced Management Program (AMP) from IESE – Instituto de Estudios Empresariales of Universidade de Navarra in Barcelona. He is a certified advisor by Instituto Brasileiro de Governança Corporativa (IBGC). |
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Cassiano Ricardo Scarpelli | Vice President |
Vice President of Banco Bradesco S.A., where he began his career in 1984 as a messenger. Since then, he has dedicated his professional life to the Bank, being elected Officer in 2007, Deputy Executive Officer in 2015, and Vice President in 2018, a position he still holds today. He has consolidated his career in areas such as: Capital Markets, Budgeting and Control, Shares and Custody, Treasury, and Prime. He currently holds the position of CFO (Chief Financial Officer) of the Organization, responsible for the Financial Planning and Controllership and Market Relations structure; and concurrently, he acts as CTO (Chief Transformation Officer), responsible for leading the Operational Transformation Office of Banco Bradesco and CIO (Chief Information Officer) on an interim basis. Graduated in Economics from Faculdade de Ciências Econômicas e Administrativas de Osasco (FEAO), he complemented his education with the International Executive Program at Queen’s School of Business – Queen’s Executive Program, in Ontario, Canada. |
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Moacir Nachbar Junior | Vice President |
Vice President of Banco Bradesco S.A., appointed in 2018 as Chief Risk Officer (CRO) of the Bank, responsible for the Organization’s Risk Management. He began his career at the Organization in June 1979, where he held various positions at the Bank. In 2005, he was elected Department Officer, becoming Deputy Executive Officer in January 2012 and Managing Executive Officer in February 2015. In January 2022, he was promoted to the position of Vice President. He is currently responsible for the areas of Corporate Risk Management, Financial Risk Management, Compliance, Non-Financial Risk Management, AVIM (Independent Model Assessment), Corporate Security, Ombudsman, Legal, Legal Advisory, Purchasing, and Assets. Graduated in Accounting Sciences and post-graduated in Financial Administration from Faculdades Integradas Campos Salles, with an MBA in Controlling from Fundação Instituto de Pesquisas Contábeis, Atuariais e Financeiras (FIPECAF – USP), having participated in an international executive program, the Tuck Executive Program at Tuck School of Business at Dartmouth, held in Hanover, New Hampshire, USA. |
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José Ramos Rocha Neto | Vice President |
Vice President of Banco Bradesco S.A. since December 2022, with experience gained at Banco Bilbao Vizcaya in the areas of Trade Finance, Business Development, and Middle Market Platform. He joined Bradesco in 2003, where his solid track record and expertise in Loans and Financing, in addition to his experience in the Operations, Cash Management, and Investments areas, led him to the position of Vice President. He holds positions on the Boards of Directors of companies, including Cielo S.A. – Payment Institution, Alelo Payment Institution S.A., Elo Participações LTDA, Elo Serviços S.A. and Livelo S.A. He was Chairman of the Board of Directors of ABECIP – Associação Brasileira das Entidades de Crédito Imobiliário e Poupança, Vice-Chairman of the Executive Board of FEBRABAN – Federação Brasileira de Bancos, Titular Advisor to the Council of Representatives of CNF – Confederação Nacional das Instituições Financeiras, President of the Distribution Forum of ANBIMA – Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais and Alternate Member of the Board of Directors of CIBRASEC – Companhia Brasileira de Securitização. He holds a degree in Economics from Universidade Federal de Pernambuco (UFPE) and a postgraduate degree in Business Administration CEAG from Fundação Getúlio Vargas Escola de Administração de Empresas de São Paulo (FGV – EAESP). He has also participated in several international executive programs at renowned institutions, including those offered by the Wharton School of the University of Pennsylvania, Authentic Leadership Development by Harvard Business School, the Corporate Management III Program from IESE Business School at the University of Navarra (Spain), the Leadership at the Peak Program by the Center for Creative Leadership, and Excellence in Leadership by Stanford University School of Business. He has also participated in important leadership and executive development programs, including: the Integrative Leadership Program at Desenvolvimento e Educação and Programa de Desenvolvimento (PDE) at Fundação Dom Cabral (FDC). |
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Guilherme Muller Leal | Vice President |
Vice President of Banco Bradesco S.A., where he has enjoyed a successful career since February 1990, when he began working at Banco de Investimentos Garantia. Over the years, he held various positions in both Rio de Janeiro and São Paulo in the Corporate Banking area until his transfer to Banco Bradesco S.A. in September 2003. His rise in the organization culminated in 2011 with his election to the position of Officer. After his entire career on the Board of Directors of Banco Bradesco, in February 2024, he was promoted to Vice President. He holds a degree in Economics from Universidade Santa Úrsula (USU) and a postgraduate degree in Corporate Finance from Pontifícia Universidade Católica do Rio de Janeiro (PUC/RIO). He participated in the Executive Development program at Fundação Dom Cabral (FDC). He also distinguished himself in international executive programs, including Authentic Leadership and Behavioral Economics at Harvard Business School, the Executive Education Program at New York Trend Consulting, the Wharton Advanced Management Program, Executive Negotiation Workshop at the University of Pennsylvania – The Wharton School, and the Leadership at the Peak Program at the Center for Creative Leadership Staff and Leadership at the Peak Participants, Colorado Springs, USA. |
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Bruno D’Avila Melo Boetger | Vice President |
Vice President of Banco Bradesco S.A. since February 2024. He began his career in 1990 at Citi and Salomon Brothers Inc, where he held positions in New York (USA) and São Paulo (Brazil). In April 2007, he joined the Bradesco Organization through Banco Bradesco BBI as Executive Superintendent, reaching the position of Officer in April 2008. In 2011, he was General Manager of the New York Branch (USA). He brings with him extensive experience in investment banking, acquired throughout his career at renowned financial institutions in Brazil and abroad. His work at Bradesco includes leadership in several strategic areas, mainly in wholesale banking, contributing significantly to the organization’s growth. He holds a degree in Business Administration from Fundação Getúlio Vargas (FGV) and has participated in international executive programs such as: Advanced Management Program at Harvard University, Senior Executive Program at London Business School, and Master in Business Administration at Cornell University. |
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João Carlos Gomes da Silva | Executive Officer |
Executive Officer of Banco Bradesco S.A. He began his career at the Bank in June 1981, where he held several key positions, being elected Regional Officer in 2009, Departmental Officer in 2012, Deputy Officer in 2017, and finally becoming Executive Officer in January 2019. He has extensive knowledge of banking products and services, acquired through his activities in the branch network, including two years as Regional Officer. He was Officer-Secretary of the Associação Brasileira das Empresas de Leasing (Abel) and Vice President of the Board of Directors of tda Associação Nacional das Instituições de Créditos, Financiamentos e Investimento (Acrefi). He holds a degree in Accounting from Faculdade de Administração e Economia (FAE) and also has a postgraduate MBA in Business Management and an Executive MBA in Business Administration with an emphasis on Banking from Fundação Getúlio Vargas (FGV), in addition to the AMP – Advanced Management Program from IESE Business School – University of Navarra, São Paulo. To strengthen his performance, he obtained certification as a Board Member from Instituto Brasileiro de Governança e Corporativa (IBGC). |
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Roberto de Jesus Paris | Executive Officer |
Executive Officer of Banco Bradesco S.A. since 2019, appointed due to his professional experience acquired over more than 38 years in the financial market. He began his career in the sector in January 1987 at Banco Bradesco S.A. He worked in the areas of Foreign Exchange, Treasury and was responsible for the area of Research and Economic Studies. His career, in several leadership positions, has brought significant contributions to the Organization. In addition, in 2021, he was elected Officer of Bradesco Asset Management S.A., becoming Managing Officer that same year, an area in which he has extensive experience. Graduated in Administration from Universidade Paulista (UNIP), he holds an Executive MBA in Finance, with an emphasis on Market Finance, from Instituto de Ensino e Pesquisa (Insper) and participated in important international executive programs, such as: Executive Education Program by the Graduate School of Business – Columbia University, New York, USA, in addition to the Chartered Financial Analyst (CFA) Certification by the CFA Institute, in Virginia, USA. |
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Oswaldo Tadeu Fernandes | Executive Officer |
Executive Officer at Banco Bradesco S.A., responsible for the Bank’s finance areas (Controllership, Accounting, and Tax Auditing). He has extensive knowledge of tax, accounting, and corporate matters, and has worked in the Bank’s Capital Markets areas as a financial advisor in acquisitions and mergers, in Controllership in relation to budget preparation and investment evaluation, and in Accounting in the preparation of financial statements for the entire Organization. Graduated in Accounting from Faculdades Metropolitanas Unidas (FMU), with two postgraduate degrees and an MBA, including a postgraduate degree in Controllership from Fundação Armando Alvares Penteado (FAAP), a postgraduate degree in Financial Management from Faculdade de Economia e Administração (FEA/USP), and an MBA in Controllership from the University of São Paulo (USP). |
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Edilson Dias dos Reis | Executive Officer |
Chief Information Officer (CIO) and Executive Officer responsible for Innovation and Systems. He began his career in the financial market at Banco de Investimentos BBM in 1997. He joined Banco de Investimentos CR2 in 2002, where he became a Officer and Partner. Edilson took over IT at Banco Bradesco in 2012, leading the Systems Engineering team. In January 2022, he was appointed Executive Officer and CIO of Bradesco. He led the areas of IT Infrastructure and Cloud Journey, Customer Experience, Data Intelligence, and CRM. Member of the Board of Directors of Fundação Bradesco, graduated in Data Processing from Pontifícia Universidade Católica do Rio de Janeiro (PUC/RIO), with a Lato Sensu MBA in Cloud Engineering & Architecture (CLBRA) from Faculdade de Informática e Administração Paulista (FIAP). |
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Juliano Ribeiro Marcílio | Executive Officer |
Executive Officer at Banco Bradesco S.A. and works in the Transformation Office. He began his professional career in 1994 at Citibank Brazil in São Paulo. From 2002 to 2012, he worked at UNIBANCO – União de Bancos Brasileiros S.A., Teleperformance Brazil, and Serasa Experian. In November 2013, he joined HSBC Bank Brasil S.A. – Banco Múltiplo as Head of Human Resources, remaining there until October 2016. Throughout his career, he has held prominent positions in companies in the financial market and credit analysis. In 2016, he was elected Officer, responsible for Human Resources, and served as HR Director at Bradesco Seguros, Latin America’s largest insurance company in the automotive, residential, health, life, capitalization, and pension segments. In August 2023, he was promoted to Executive Officer. He holds a degree in Business Administration from Pontifícia Universidade Católica de São Paulo (PUC-SP), with a specialization in Banking & Financial Services Program from the University of Michigan – Executive Business School. He has also participated in important international executive programs, such as: General Management Program at Harvard Business School, General Management Renewal at Harvard Business School in Shanghai, China, and AMP – Advanced Management Program at ISE/IESE – Business School through the University of Navarra. |
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André Luís Duarte de Oliveira | Executive Officer |
Executive with 30 years of experience in the financial market, with extensive knowledge in the areas of credit, data, machine learning, AI, and risk. He joined Banco Bradesco in May 2019 as Officer responsible for the CRM and Data Intelligence areas. In March 2024, he assumed responsibility for the Credit Business Unit as Executive Officer of Banco Bradesco. He holds a degree in Mechanical Engineering from the Escola Politécnica da Universidade de São Paulo (POLI-USP) and an MBA with honors from the Kellogg School of Management at Northwestern University in Illinois, United States. |
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Cíntia Scovine Barcelos de Souza | Executive Officer |
Chief Technology Officer (CTO) and Executive Officer of Technology at Banco Bradesco since February 2024, responsible for architecture, infrastructure, IT operations, cybersecurity, data, and artificial intelligence. Member of the Board of Banco Bradesco Europa and Vice Chairman of the Board of Kunumi. A technology executive with over 32 years of experience leading teams in search of innovative and creative solutions, she has in-depth knowledge of hybrid cloud, data, and artificial intelligence, as well as resilient solution architecture and infrastructure technologies. Graduated in Electrical Engineering with an emphasis on Electronics from Universidade Federal do Rio de Janeiro (UFRJ), she completed the Advanced Management Program (AMP) at Harvard, holds an MBA in Business Administration from Universidade Federal do Rio de Janeiro (IBMEC Rio) and in Cloud Engineering & Architecture from Faculdade de Informática e Administração Paulista (FIAP). She has an extension course in Software Projects in UML from Pontifícia Universidade Católica do Rio de Janeiro (PUC/RIO) and has participated in important international executive programs as: Directing Innovation at Smith College and Leadership at the Peak at the Center for Creative Leadership – CCL. She was CTO (Chief Technology Officer) at International Business Machines Corp (IBM) for financial markets and the first woman to be recognized as a Distinguished Engineer in Latin America. |
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Fernando Freiberger | Executive Officer |
Executive Officer at Banco Bradesco S.A., where he leads the Ultra Corporate Segment, Bradesco Payments, and Banking as a Service. He began his career in the banking sector in 1993 at BankBoston and has held prominent positions, including Executive Officer – Head of Commercial Banking at HSBC Bank Brasil. He has over 30 years of experience in the banking sector and more than 20 years in team management, always focusing on solutions, both commercial banking and investment banking for corporate clients. Graduated in Economics from Faculdade Católica de Administração e Economia (FAE) in Curitiba/PR, he honed his skills through various courses in Brazil and abroad, especially the Credit Analyst Program, a long-term training course (6 months) at BankBoston in Boston (USA). |
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José Augusto Ramalho Miranda | Executive Officer |
Executive Officer at Banco Bradesco S.A., responsible for Private Banking. He began his banking career in October 1999 at Banco Safra S.A., where he held positions in trading desks, where he was responsible for product distribution (equity); prospecting new clients and managing Private portfolios. In September 2007, he joined HSBC Bank Brasil as Executive Superintendent, where he was responsible for managing areas such as investments and Commercial Investment Strategy, where he remained until October 2016, when the institution was acquired by Banco Bradesco S.A. He has extensive experience in trading desk operations, investments, and Private Banking. Graduated in Business Administration from Pontifícia Universidade Católica de São Paulo (PUC-SP), he specialized through the following courses: High Perf Leadership Program (HPLP) – Harvard Business School; Leadership Developing Skills (EE) – NYU Stern; Post for Management Development (PMD) – ISE/IESE; Leadership at the Peak (LAP) – Center for Creative Leadership; and Stanford Executive Program (SEP) – Stanford University. |
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Marcos Valério Tescarolo | Executive Officer |
Executive Officer at Banco Bradesco S.A., working with retail banking, digital platforms, consortiums, and vehicle financing businesses. With over 40 years of experience in the financial market, he has extensive experience acquired throughout his career, having been responsible for managing the branch network, leading bank acquisition processes, business management, planning, branch expansion and incorporation, administrative and audit processes, and dealing with regulatory agencies, among others. He also worked on the Bank’s segmentation process, contributing to the creation of the following segments: Corporate, Companies, Private, Prime, in addition to the processes of creating Regional Management and Directorates. He is an executive with extensive experience in the areas of Retail Banking, Consortiums, and payment methods. He was assigned to take on a project in Mexico when C&A Mexico’s card operations were acquired. In August 2023, he took over as director of the Retail Network, and in March 2024, he was elected Executive Officer. Graduated in Business Administration from Universidade São Francisco (USF), Postgraduate in Business Economics – Financial Area from Pontifícia Universidade Católica de Campinas (PUC – Campinas), with an MBA in Financial Strategies and Marketing from Fundação Instituto de Administração (FIA). He has also participated in international executive programs, such as: High Level Management – Senior Executive Management of Companies from IPade Business School – Mexico; Urban101x: CitiesX from Harvard University; and LEAD1X: Exercising Leadership: Foundational Principles from Harvard University. |
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Renata Geiser Mantarro | Executive Officer |
Executive Officer of Banco Bradesco S.A., with expertise in the financial industry, in the areas of Internal Audit, IT Governance, Compliance, Risk Management, Basel II, among others. She works in the centralized management of Audit, Consulting, Inspection, Specific Examinations, Monitoring and Training within the Bradesco Organization, reporting to the Board of Directors. In her 41 years at the Organization, she has demonstrated expertise in several areas, including systems analysis and development. She worked for 4 years in the Overseas Units and held the positions of Executive Superintendent of IT Audit and Business (Brazil and Abroad), Administrative Director of Banco Bradesco de Investimentos (BBI), Compliance Officer and IT Governance Officer. Graduated in Literature – Full Degree and Literature – Qualifications as Translator and Interpreter, both from Faculdade Ibero-Americana. She has a postgraduate degree “Lato Sensu” with a specialization in Foreign Trade from Universidade Presbiteriana Mackenzie; a postgraduate degree “Lato Sensu” with a specialization in Strategic Management from Faculdade de Administração e Negócios (FIA); an MBA with a specialization in Information Technology from Universidade de São Paulo (FEA/USP); an MBA in International Management Program – Euromed Marseille – École de Management – France (FEA/USP); and an MBA in Strategic Business Management – Fundação Getúlio Vargas (FGV). She completed the Program for Management Development (PMD) – IESE Business School – University of Navarra, the Essential Leadership Skills for Organization – ELOS and the Leadership at the Peak Program – Colorado Springs – Center for Creative Leadership – CCL. |
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Vinicius Urias Favarão | Executive Officer |
Executive Officer and Chief of Staff of Banco Bradesco S.A., since March 2024, being responsible for the areas of New Business/BHI, Institutional Relations, Strategy and Regulatory Relations, Corporate Strategy, Governance Secretariat, Private Equity and Venture Capital. With over 30 years of experience in the financial market, he worked in corporate client management, in the direct consumer credit, cards and payment methods segment. He was responsible for the operation of the American Express Establishment Network in Brazil after its acquisition by Bradesco, and was Product Officer at Bradesco Cartões, managing the Visa, Elo, Mastercard and Amex portfolios. He took over Bradesco Promotora in 2013 and, in 2017, became head of operations at Bradesco Cartões. In early 2021, he took over the operation of Bradesco Financiamentos, an operation focused on financing for the acquisition of light and heavy vehicles. He serves on the Boards of Directors, Executive Boards and Committees of companies such as Cielo S.A., Alelo S.A. Livelo S.A and Elo Serviços. Graduated in Business Administration from Universidade Paulista (UNIP), with a “Lato Sensu” Postgraduate Degree – Executive MBA in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), “Lato Sensu” Postgraduate Degree – Executive MBA with Emphasis in “General Management” from Instituto Brasileiro de Mercado de Capitais (IBMEC), MBA in Administration and Retail Business from the Fundação Instituto de Administração (FIA), AMD (Advanced Management Program) Bradesco from ISE Business School, CCA+ Professional Advisor Certification from Instituto Brasileiro de Governança Corporativa (IBGC) and AMD (Advanced Management Program) from Harvard Business School. |
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Silvana Rosa Machado | Executive Officer |
Executive Officer of Banco Bradesco S.A., since April 2024, also assuming the position of Chief Human Resources Officer (CHRO). Responsible for the Human Resources and Sustainability Department, she has expertise in strategic projects in the financial services segment and human capital management, having worked in renowned companies such as: Booz-Allen Hamilton Inc., Kearney Consultoria de Gestão Empresarial Ltda., Banco ABN Amro Real S.A., Banco Santander (Brasil) S.A., Egon Zehnder International Ltda. and Advent International Ltda. Executive with more than 35 years of professional experience in multinational consulting and financial institutions, she is recognized for her strategic vision and in-depth knowledge of the financial market. She has experience in leading organizational transformations and stands out as an agent of change. Her personal resilience, ability to mobilize and competence in serving clients are valued qualities. She has a degree in production engineering from the Escola Politécnica da Universidade de São Paulo (Poli-USP) and an MBA from the Universidade de Chicago. She is also certified as a coach by the Instituto Ecosocial and has a postgraduate in psychoanalysis from the Fundação Armando Alvares Penteado (FAAP). She is also certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC). |
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Túlio Xavier de Oliveira | Executive Officer |
Executive Officer of Banco Bradesco S.A. since April 2024, responsible for Digital Retail. An experienced and respected executive in the financial services and digital market sector, he has built a solid career in the market. His experience includes several executive positions in renowned companies, including Itaú Unibanco, PayPal and Mercado Pago. Throughout his career, he has developed a reputation, being recognized for his in-depth knowledge of the financial market and his leadership skills in executing strategic plans and implementing business initiatives. Graduated in Electrical Engineering from Universidade Estadual de Campinas (UNICAMP), he also has an MBA in Strategic Management, Economics and Finance from Universidade Estadual de Campinas (The University of Chicago – Booth School of Business), in the United States. |
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Francesco Di Marcello | Executive Officer |
Executive Officer at Banco Bradesco S.A. since August 2024, responsible for joining the team in charge of Bradesco’s digital transformation, promoting change, and increasing agility and efficiency at the bank. His experience in the areas of Digital Transformation & Agile Service Line in Multinationals and with a solid career in the national and international market, covers several executive positions in renowned Multinationals, including McKinsey & Company, where he served as Lead Partner in the Agile and Digital Transformation and Agile service lines in Brazil and international markets, in addition to Optima Group and Accenture. He has participated in digital transformation projects in several companies in Brazil and abroad. Lead Partner of the Agile service line in Latin America, Global Co-leader of Digital & Agile Service Line/Financial Institutions. (São Paulo, Brazil) at McKinsey & Company, Chief Executive Officer (CEO) and Chairman of the Board of Optima eXcange Services (Optima Group) – (Moscow, Russia), Managing Director of Tescom Group (Optima Group) – (Moscow, Russia), Managing Director – Financial Services at Optima Group – (Moscow, Russia), Project Manager at McKinsey & Company – (Moscow, Russia) and Junior Project Manager at Accenture – (Turin, Italy). Graduated in Aerospace Engineering from Politecnico di Torino (Italy). |