Miguel Cordeiro

• Report to Portuguese Bank Authority of matters related to suspicion’s of money laundry, Company’s price list, statistic reports and approval of new credit products; • Monitoring of compliance of employees within government laws and regulations; • Management of the compliance second level controls and client’s complaints; • Responsibility for Company Quality Management System (ISO 9001), maintaining it with no recommendations from the certification authority for the last five years;

• Establishment of audit objectives, development audit programs, in Portugal, Spain and Greece with Corporate Audit team; • Development of audit summaries; complete and monitor field work, complete and review work papers, resolve appeals, edit preliminary drafts and coordinates the preparation of the final audit report; • Monitoring of work assignments and perform detailed quality assurance reviews of work papers.

• Team Leader (18 person’s) of Customer Service and Debt Collections team, definition of individual and team goals, measure grade of fulfillment, determine actions to correct deviations; • Analyze quality surveys, identify possible corrective measures – ensuring a result over a 90% average in all; • Credit analysis; • Control non-payment rates (analyze team members, correct measures to client’s situations, depending on the level of non-payment) – ensuring a target below 2% of no-payment;

• Team Leader (3 person’s), definition of individual and team goals, measure grade of fulfilment, determine actions to correct deviations; • Management of clients, point of contact (doubts; prepayments; renegotiations; new loans, etc.); • Analyze quality surveys identification of corrective measures; • Ensure retention of client’s portfolio; • Monthly report to Top management.

• Clients point of contact for Quality Services (ISO); • Preparation estimates for clients; • Monitoring of executions of work, and retrieve feedback from client.

Finance and Marketing