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Pedro Sousa Cardoso possesses extensive experience in digital banking and management, currently serving as the Chief Digital Officer within Retail Banking & Wealth Management at Emirates NBD. Previously, Pedro held the position of Head of Digital Bank at Liv. Bank and was a Senior Managing Director at Standard Chartered Bank, leading Global Digital Commerce and overseeing operations in the ASEAN and South Asia regions. Pedro is also a member of the Board of Directors at both Quorus and Efma. Academically, Pedro has pursued advanced studies in Business Administration and Management and is currently focused on Digital Transformation at the University of California, Berkeley.