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Nilton Spengler Neto holds extensive experience in risk management and legal practice. Currently serving as Chief Risk Officer at PagueVeloz since December 2015, responsibilities include leading risk management, internal controls, fraud prevention, anti-money laundering, and cybersecurity while ensuring regulatory compliance and corporate governance. Nilton has also held roles as Chief Operating Officer and Chief Business Officer at PagueVeloz, focusing on operational efficiency and strategic planning. Additionally, Nilton contributes as a counselor at Hess & Arend Advogados and as a monthly columnist for Economia SC, sharing insights on entrepreneurship. Previously, Nilton founded and practiced law at Reinert & Spengler Advogados Associados and worked at Hess de Souza, Arend & Associados. Academic qualifications include an MBA from FGV and various specializations and post-graduate degrees in business administration and civil law.