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Ricardo Capaz is a commercial manager at Ageas Seguros since May 2022, bringing prior expertise as an area manager and business partner manager at Liberty Seguros in Portugal from June 2016 to April 2022. Ricardo's experience also includes working as a real estate agent at Keller Williams Realty, Inc. from September 2015 to December 2016, where responsibilities included client management, consulting, and market research. Earlier, an internship at Os Mosqueteiros was completed in April 2010. Ricardo holds a postgraduate degree in Financial Analysis from ISEG - Lisbon School of Economics & Management, completed in 2017, and a Bachelor's degree from the same institution earned between 2011 and 2015, alongside earlier education at Colégio São Miguel - Fátima from 2007 to 2010.