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Ricardo Miguel Tavares is currently working at Crédito Agrícola as a Técnico in Gestão de Fraude em Cartões. With experience in various financial institutions, Ricardo Miguel has held positions such as Economista at Ordem dos Economistas and Consultor em Gestão de Produtos at SIBS. Ricardo also served as a Coordenador at Edenred Portugal and Gestor de Produtos Sénior at Cofidis Portugal and Banif. Their educational background includes degrees in Marketing, Economics, and Business Administration from institutions such as Católica Lisbon School of Business and Economics, INDEG-ISCTE Executive Education, and ISCTE - Instituto Universitário de Lisboa.