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João Victor Teodoro Martins, CEA, is an emerging professional in the field of finance with extensive experience in both operational and credit risk at Santander Asset Management Brasil since January 2023. Currently serving as a research analyst at Liga de Mercado Financeiro ESALQ-USP since April 2022, João Victor previously held the role of business partner at Futuro Consultoria Financeira, focusing on financial planning for individuals across various financial domains. João Victor's academic involvement includes representation of economics students at Escola Superior de Agricultura "Luiz de Queiroz" and leadership positions within Grupo EducAÇÃO. With a Bachelor's degree in Economics and Finance expected in June 2024, João Victor has developed a strong foundation in both theoretical and applied finance.