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Margarida Almada Cardoso is an experienced financial professional with a strong background in private banking and wealth management, currently serving as Gestora Select at Banco Santander since April 2017 and as a Private Banker at Banco Santander Totta since December 2015. Prior roles include Private Banker positions at Banco Internacional do Funchal (Banif) from September 2003 to December 2015 and at Banco Espirito Santo from December 1996 to March 2003. Margarida holds a degree in Economics from Universidade Nova de Lisboa and has completed certifications in financial advisory and advanced finance programs at ISGB and Universidade Católica Portuguesa, respectively.