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Renato Oliveira has over 20 years of experience in finance and actuarial management, currently serving as Head of Actuarial, Finance and Asset Management at BNP Paribas Cardif in Chile. Renato's extensive career at BNP Paribas Cardif includes holding roles such as Chief Financial & Actuarial Officer, Chief Marketing Officer, and Chief Actuary, showcasing expertise in integrated financial management, business development, and regulatory compliance. Prior experience includes positions as Risk Manager at HSBC and Risk Analyst at Bank CCF, with a foundation in financial control and risk management from a trainee role at Itaú Unibanco. Renato holds a degree in Metallurgical Engineering from USP and an MBA in Finance from Ibmec.