Raphael has over 20 years of experience in IT, 14 of which were spent working in the insurance industry. He holds a degree in Computer Science from FMU, and postgraduate degrees in Project Management from FGV, IT Governance from Mackenzie, Innovation from Fundação Dom Cabral, and a master's degree from USP. He has worked for companies such as Caixa Econômica Federal, Banco Espírito Santo de Lisboa, BB Seguros, MAPFRE, Ernest & Young, Itaú, and BBCE, also working internationally in the finance and insurance markets in countries such as the USA, Portugal, Spain, Panama, and others. His professional experience encompasses all areas of IT, with a special focus on Cybersecurity, Development, Innovation, and infrastructure migration to the Cloud.



































































































