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Arsénio Ramalho is an Operations Manager IT Department and Chapter Lead Scrum Master at Crédito Agrícola since October 2022. Previously, worked as a Project Manager at Accenture Portugal from December 2010 to September 2022, specializing in digital transformation, core systems replacement, and core banking. With a Master's degree from Universidade da Beira Interior, Arsénio has over 10 years of experience in banking systems integration projects, including mergers, acquisitions, and the development of new functionalities. Involved in end-to-end implementation projects of business solutions, digital transformation, and integration of digital platforms with core banking platforms.