Summary
Overview
Work History
Education
Skills
Additional Information
Personal Information
Timeline
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ANTÓNIO RUI CUPERTINO CARDOSO

ANTÓNIO RUI CUPERTINO CARDOSO

Tomar

Summary

I am a professional with experience as CEO / CRO / HEAD OF COMPLIANCE. I have been working for 35 years in financial services . I am a multi-cultural professional, I have lived and worked in Portugal and other countries in Africa having traveled over the years to countries where BES/Novo Banco Group had representations (Cape Verde, Switzerland among others). I managed and coordinated several teams, in some cases with more than 500 people. I have relevant experience in corporate banking business management, in the development of the offer (especially credit) and in the structuring and evaluation of bank credit operations. At this point of my professional career, I am looking forward to engage a new professional challenge that fits within my area of knowledge where I have a lot of experience.

Overview

32
32
years of professional experience

Work History

Senior Chairman Advisor

Large Bank In Africa
  • Spearheaded development and implementation of corporate governance strategies, confirming compliance with regulations at all times.
  • Championed innovative growth strategies, resulting in the expansion into new markets and industries.
  • Represented organization at industry conferences and events.
  • Managed financial, operational and human resources to optimize business performance.

Vice Chairman

Large Bank In Africa
05.2015 - 05.2019
  • Led a team of executives to achieve organizational goals and drive revenue growth.
  • Streamlined operational processes for improved efficiency and cost savings.
  • Monitored key business risks and established risk management procedures.
  • Established corporate governance frameworks that ensured transparency, accountability, and adherence to industry best practices.

CEO

Bank In Africa
04.2014 - 05.2015
  • Expanded market share through successful acquisitions and mergers.
  • Made large-scale financial decisions and supervised company spending to reduce material losses and maximize profits.
  • Reviewed individual department performance and worked with leadership to improve processes, procedures, and practices.
  • Managed partnerships and strategic business relationships by negotiating contract terms and handling conflicts.
  • Delivered consistent revenue growth by identifying new markets and devising targeted expansion strategies.
  • Represented organization at industry conferences and events.
  • Established foundational processes for business operations.
  • Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
  • Negotiated terms of business acquisitions to increase business base and solidify market presence.

Executive Member, Chief Risk Officer and Head of Compliance

Former Bes Group
11.2012 - 04.2014
  • Participated in monthly training on latest technology trends and products in industry.
  • Evaluated potential mergers and acquisitions, providing expert analysis on their financial viability and strategic fit within the organization''s long-term goals.
  • Managed purchasing, sales, marketing and customer account operations efficiently.
  • Managed and organized internal communication to hold staff accountable to priorities.
  • Mitigated risk exposure through comprehensive analyses of internal controls and external factors affecting business operations.

Director in the International Department

Banco Espirito Santo, SA
05.2012 - 11.2012
  • Monitored office workflow and administrative processes to keep operations running smoothly.
  • Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.
  • Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
  • Monitored and coordinated workflows to optimize resources.
  • Strengthened internal controls by reviewing existing policies and procedures, ensuring compliance with regulatory requirements.

Executive Member and Chief Risk Officer

BES GROUP
04.2010 - 05.2012
  • Reduced operational risks by implementing robust risk management frameworks and policies.
  • Managed financial, operational and human resources to optimize business performance.
  • Strengthened internal controls by designing and implementing audit procedures to identify areas of potential vulnerability.
  • Managed regulatory compliance efforts by staying abreast of changes in legislation and ensuring timely implementation of required actions.
  • Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
  • Improved overall risk culture with targeted training programs for employees at all levels of the organization.
  • Fostered strong relationships with regulators, auditors, and other external stakeholders through open communication and collaboration on risk-related matters.
  • Formulated and executed strategic initiatives to improve product offerings.
  • Created succession plans to provide continuity of operations during leadership transitions.

Compliance and Internal Audit Management - Head of Risk

Banco Espirito Santo, SA
02.2005 - 04.2010
  • Demonstrated creativity and resourcefulness through the development of innovative solutions.
  • Cultivated interpersonal skills by building positive relationships with others.
  • Exercised leadership capabilities by successfully motivating and inspiring others.
  • Skilled at working independently and collaboratively in a team environment.
  • Excellent communication skills, both verbal and written.
  • Paid attention to detail while completing assignments.
  • Acted as a team leader in group projects, delegating tasks and providing feedback.

Commercial Management - Head of Retail and Corporate

Banco Espirito Santo, SA
01.2004 - 02.2005
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Strengthened communication skills through regular interactions with others.
  • Cultivated interpersonal skills by building positive relationships with others.
  • Adaptable and proficient in learning new concepts quickly and efficiently.
  • Learned and adapted quickly to new technology and software applications.
  • Acted as a team leader in group projects, delegating tasks and providing feedback.

Commercial Management - Head of Retail and Corporate

Banco Espirito Santo, SA
09.2000 - 01.2004
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Cultivated interpersonal skills by building positive relationships with others.
  • Proven ability to learn quickly and adapt to new situations.
  • Worked effectively in fast-paced environments.
  • Demonstrated leadership skills in managing projects from concept to completion.

Branch Manager

Banco Espirito Santo, SA
02.2000 - 09.2000
  • Launched new training program to boost employee skills and staff retention rate.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Completed filings and upheld strict compliance with regulatory agencies and supervisors.
  • Examined customer loan applications for loan approvals and denials.
  • Utilized financial software to prepare consolidated financial statements.
  • Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
  • Created financial dashboards to provide insights into key performance indicators.
  • Conducted financial due diligence on potential investments and acquisitions.
  • Complied with established internal controls and policies.
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Created and managed financial models to evaluate corporate investments and acquisitions.
  • Boosted sales and customer loyalty through incentive programs.
  • Optimized branch inventory management practices for improved product availability and reduced stock obsolescence costs.

Organization and Quality - Responsabile for the implementation of several Cross Cutting projects in the Commercial Area

Banco Espirito Santo, SA
01.1992 - 01.2000
  • Demonstrated creativity and resourcefulness through the development of innovative solutions.
  • Worked effectively in fast-paced environments.
  • Proven ability to learn quickly and adapt to new situations.
  • Skilled at working independently and collaboratively in a team environment.
  • Resolved problems, improved operations and provided exceptional service.
  • Gained strong leadership skills by managing projects from start to finish.
  • Participated in team projects, demonstrating an ability to work collaboratively and effectively.
  • Demonstrated a high level of initiative and creativity while tackling difficult tasks.
  • Delivered services to customer locations within specific timeframes.
  • Gained extensive knowledge in data entry, analysis and reporting.

Human resources- Senior training

Banco Espirito Santo, SA
02.1991 - 01.1992
  • Cultivated positive relationships with vendors to deliver timely and cost-effective supply of services and materials.
  • Improved project outcomes by conducting thorough market research that informed strategic marketing decisions.
  • Maintained database systems to track and analyze operational data.
  • Maintained overall safe work environment with employee training programs and enforcement of safety procedures.

Dividend Account Officer

Banco Espirito Santo, SA
11.1987 - 01.1991
  • Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
  • Managed and responded to correspondence and inquiries from customers and vendors.
  • Recorded deposits, reconciled monthly bank accounts and tracked expenses.
  • Developed monthly, quarterly and annual profit and loss statements and balance sheets.

Education

Banking Management Course -

IFB

Psychology Master Degree -

University of Psychology and Educational Sciences, University of Lisbon

Professional Training Certificate of Management Technician Trainers (IEFP Programme) -

Universus - Consultores de Gestão, Lda.

CAMS - Certified Anti-Money Laundering Specialist

Skills

  • Networking Expert
  • Leadership Expert
  • Microsoft Office Expert
  • Human Resource Management Experienced
  • Knowledge of Regulations and Expert Compliance
  • Commercial skills Expert
  • Coaching and Mentoring Experienced
  • Planning and coordination
  • Corporate Governance
  • Regulatory Compliance
  • Executive Leadership

Additional Information

Portuguese Native speaker

Spanish; Castilian Highly proficient

English Highly proficient

Personal Information

Date of Birth: 05/20/63

Timeline

Vice Chairman

Large Bank In Africa
05.2015 - 05.2019

CEO

Bank In Africa
04.2014 - 05.2015

Executive Member, Chief Risk Officer and Head of Compliance

Former Bes Group
11.2012 - 04.2014

Director in the International Department

Banco Espirito Santo, SA
05.2012 - 11.2012

Executive Member and Chief Risk Officer

BES GROUP
04.2010 - 05.2012

Compliance and Internal Audit Management - Head of Risk

Banco Espirito Santo, SA
02.2005 - 04.2010

Commercial Management - Head of Retail and Corporate

Banco Espirito Santo, SA
01.2004 - 02.2005

Commercial Management - Head of Retail and Corporate

Banco Espirito Santo, SA
09.2000 - 01.2004

Branch Manager

Banco Espirito Santo, SA
02.2000 - 09.2000

Organization and Quality - Responsabile for the implementation of several Cross Cutting projects in the Commercial Area

Banco Espirito Santo, SA
01.1992 - 01.2000

Human resources- Senior training

Banco Espirito Santo, SA
02.1991 - 01.1992

Dividend Account Officer

Banco Espirito Santo, SA
11.1987 - 01.1991

Senior Chairman Advisor

Large Bank In Africa

Banking Management Course -

IFB

Psychology Master Degree -

University of Psychology and Educational Sciences, University of Lisbon

Professional Training Certificate of Management Technician Trainers (IEFP Programme) -

Universus - Consultores de Gestão, Lda.

CAMS - Certified Anti-Money Laundering Specialist

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