Ricardo Costa e Silva

− Responsible for the creation of a new framework within BES to exploit synergies between BES’ Individual Customers and Merchants (bringing together BES’ payment cards and POS’) − Responsible for BES acquiring Business and Partnerships for Consumer Finance − Responsible for the evaluation, negotiation and implementation of large partnerships associated with consumer credit and payments’ cards (debit, credit and prepaid), namely:  Evaluation, negotiation and set-up of a Joint-Venture with a food distributor

−Definition of GPRS products and services for a Spanish mobile telecommunications operator (in Madrid); − Definition and implementation of an Automobile Partnership Strategy for an insurance company; − Participation in the start-up of an Italian fixed telecommunications operator (in Rome); − Participation in the start-up of an Portuguese fixed telecommunications operator (in the Program Management Group);

Information Systems