Ricardo is a Senior Treasury Manager with more than 15 years of experience in finance, specializing in treasury and credit management. He has led treasury teams in global organizations, focusing on process optimization, automation, cash management, FX trading, debt restructuring, and M&A support. Currently serving as Senior Credit and Treasury Manager at CTA Continental Tobaccos Alliance, Ricardo has also held senior roles at Rodoil, JTI, and Corteva. Fluent in English, Spanish, and Portuguese, he combines international experience with strong operational leadership and brings valuable expertise in treasury transformation and financial strategy.