Board of Directors and Management

Innovative and tireless, always searching for disruptive solutions, Marciano Testa is one of the main entrepreneurs in the Brazilian financial market today. Testa is the founder and CEO of Agibank, one of the first digital banks in the country, responsible for creating the revolutionary QR Code payment technology. The executive is also co-founder of HypeFlame, a technology company that drives the transformation to the highest standards of international quality. The purpose is to make people’s daily lives better and make financial life easier for the real Brazil, the deep Brazil, which is not digitally literate and not even served by the incumbents. This same vision inspired Marciano to found, together with other businessmen, the Instituto Caldeira, a private initiative to accelerate the digital transformation in Rio Grande do Sul, of which he is the current President. Graduated from Unisinos in Economic Sciences, he has a specialization in the financial area and in recent years he graduated from the Executive Program at Singularity University.

Beatriz Bernardi is the Credit and Data Officer, besides partner at Agibank and has over 18 years of experience working in financial institutions. At Agibank, Beatriz is responsible for strategic credit and date decisions, working in the dissemination of data-based decision-making in the organization. She has worked in areas such as Credit, Risks, Products, Pricing, Collections, Portfolio Management, Payment Methods and Data Science. The executive spent more than 15 years at Santander and holds a degree in Business Management from the Municipal University of São Caetano do Sul, with specializations and training from the University of Chicago and the Saint Paul Institute of Finance.

Fernando Castro is the CEO of HypeFlame, a technology company created in 2020 as a spin-off of the digital bank Agibank, and a partner at the bank. Before that, he was director of the Technology, Products and Marketing areas of the digital bank and has over 21 years of experience in the financial market. The executive had extensive experience at Sicredi, being responsible for leading the technology and strategic planning areas, as well as the organization’s digital transformation. He graduated in Business Administration with an emphasis on Systems Analysis at PUCRS and studied Innovation and Technology (Advanced Executive Certificate) at the MIT Sloan School. Fernando has also participated in the Rabobank Talent Program, in the Netherlands, the Gartner Academy for Leadership Development for Aspiring CIOs, in Chicago, and the Executive Program, at Singularity University, in Silicon Valley.

Glauber Marques is Chief Channels, Growth, CRM & Business Officer and partner at Agibank. He is responsible for the areas of Channels, Customer Acquisition, Customer Service, Mobile Banking, CX, UX and Digital Engagement, being responsible for more than 760 stores spread across all states and leading the expansion plan of these service hubs. With a long career at Caixa Econômica Federal, the executive has a master’s degree in Corporate Finance from Universidade Presbiteriana Mackenzie, an MBA in Finance from Universidade Nove de Julho, a degree from the Executive Program at Singularity, in Silicon Valley, as well as a degree in Civil Engineering and Technology of Information.

Lucas Aguiar leads the People and Governance front, and is also a partner at Agibank. With experience in the people area at XP Inc and in the management area at Falconi consultancy, the executive has more than 13 years of experience and a degree in Administration from the Federal University of Minas Gerais, with an MBA from the London Business School.

With over 15 years of professional experience, Marcelo Oliveira is executive director of new businesses and partner at Agibank. The executive has experience in major players in the financial industry, such as Cielo, Alelo Brasil, Getnet Brasil and Itaú Unibanco, and has worked in the areas of Products, Technology, Planning and Digital Channels. Marcelo has a degree in Economic Sciences, Economics and Business Management from the Pontifical Catholic University of Campinas, and is a professor at the FIA ​​Business School.

Chief Financial and Investor Relations Officer and partner at Agibank, Thiago Souza Aor has over 20 years of experience in the financial market. He has held leadership positions in the areas of administration, finance, controllership, M&A and investor relations, and has an important experience at Caixa, in addition to having been a Board member in several companies. The executive has a degree in Accounting from the University of Brasília and a Master in Economics from FGV/SP.

Vinicius Aloe heads the Products and Open Banking area and is a partner at the institution. The executive leads the business area and orchestrates the different fronts of the company with a strategic view of the market. With over 14 years of experience in Retail, Credit, Analytics and Pricing, Aloe spent nine years at Banco Santander – 3 of them still at Banco Real, before being acquired – and in the last two years he led fintech as co-founder and CEO Loan YES, which belongs to the bank. Graduated in Business Administration from the University of São Paulo (USP), he also holds a postgraduate degree in Risk Management from INSPER.