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Ana Zagalo is an experienced Risk Analyst with a strong background in monitoring, analysis, and reporting on the cost of risk across several financial institutions. Currently employed at Banco CTT since April 2018, Ana previously worked at Oney Portugal and BNP Paribas, where responsibilities included developing and updating Provision Models and calculating risk parameters. Earlier experience includes a scholarship at GPEARI/MCTES, focusing on scientific potential and technology inquiry. Ana holds a Master's degree in Information Analysis and Management from NOVA IMS and a Licenciatura in Gestão de Informação from Universidade Nova de Lisboa.