Banking · Finance · Data Quality

Ricardo Serôdio

Finance professional with experience in banking operations, wealth management and regulated financial environments, currently building a public portfolio focused on financial data quality, banking analytics, AI finance and business intelligence.

Olhão, Portugal · Open to remote, hybrid and international opportunities across Europe.

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Professional summary

Finance background with a data-driven portfolio direction.

I am an EU-based banking professional with experience across retail banking operations, personal wealth management, investment advisory support and regulated financial environments. My background includes financial products, credit processes, client relationship management, documentation review and regulatory compliance, including AML/CFT, KYC/CDD and MiFID II.

I am currently combining practical banking experience with financial data quality and banking analytics through public portfolio projects covering Python/Streamlit financial tools, term deposit comparison, source mapping, net yield simulation, validation workflows and human-in-the-loop review.

Experience

Banking and regulated financial environments.

May 2025 – Present

Crédito Agrícola

Banking Assistant – Retail Banking Operations · Tavira, Faro, Portugal

Retail banking operations within a Portuguese cooperative banking group, supporting client service, credit processes, documentation review and regulated banking workflows.

Managed high-volume daily retail banking operations, including client service workflows, cash handling, treasury activities, ATM-related tasks and safe procedures.
Supported consumer and mortgage credit processes, including documentation review, financial analysis, affordability assessment and client risk profile evaluation.
Performed KYC and Customer Due Diligence procedures, supporting compliance with AML/CFT regulations, internal policies and regulated onboarding requirements.
Reviewed client documentation, onboarding data and account opening requirements, supporting accurate records, operational quality and client data validation.

May 2023 – May 2025

Banco BiG

Client Manager – Personal Wealth Management · Loulé, Faro, Portugal

Personal wealth management and investment advisory experience in a Portuguese investment bank, supporting portfolio structuring, client relationships and regulated investment processes.

Delivered investment advisory support under the MiFID II framework, helping clients align portfolios with risk profiles, investment objectives and financial needs.
Managed and developed relationships across a dedicated personal wealth management client portfolio, delivering tailored wealth management solutions and supporting client retention.
Contributed to portfolio structuring and asset allocation across equities, fixed income instruments and investment products.
Monitored financial markets, investment products and client portfolios, identifying rebalancing opportunities and supporting investment decision-making.
Supported client onboarding and account setup processes, ensuring regulatory compliance, documentation accuracy and operational efficiency.

Portfolio projects

Public work connecting finance, data quality and analytics.

Live public project

Portugal Term Deposit Comparator

Banking analytics and financial data quality project comparing Portuguese term deposits by estimated net yield, maturity, eligibility criteria, liquidity conditions and official source validation status.

Live app GitHub

Public portfolio project

DSTI Calculator – Viabilidade

Educational affordability and credit effort simulator focused on financial viability, debt-service-to-income analysis and responsible credit simulation using fictitious or anonymised inputs.

Learning / portfolio project

Credit Risk Prediction

Portfolio project exploring credit risk concepts, model interpretation, validation logic and responsible use of analytics in financial decision-support contexts.

In progress

Financial Modeling Case Study – Portuguese Listed Bank

Public-source financial modeling case study focused on a Portuguese listed bank, covering profitability, asset quality, capital ratios, valuation multiples and scenario analysis.

Skills

Finance, operations, data quality and analytics.

Banking & Finance

Compliance & Operations

Data & Analytics

Certifications & Learning

Certifications across capital markets, compliance, banking and analytics.

Completed credentials

9 credentials

Capital Markets & Securities Analyst (CMSA®) Verify credential Financial Planning & Wealth Management (FPWMP®) Verify credential Economics for Capital Markets Verify credential AML/CFT & Sanctions Verify credential MiFID II – Investment Advisory & Information Provision View certificate Mortgage Credit Commercialization View certificate Insurance Intermediation (Life & Non-Life) View certificate Cyber Risk, Cybersecurity & Cyber Insurance View certificate Pedagogical Competencies Certificate View certificate

Redacted public copies are used where appropriate. Original certificates available upon request.

Learning roadmap

In progress

SQL for financial data analysisPower BI / PL-300 preparationFinancial modeling applied to bankingData quality validation workflowsResponsible AI use in financePublic-source banking analytics

Career focus

International opportunities in finance, data and operations.

Wealth ManagementPrivate Banking SupportFinancial Research SupportBanking AnalyticsFinancial Data QualityData ValidationAML/KYCFintech OperationsAI Finance Evaluation

Contact

Let’s connect.

Open to relevant opportunities across banking operations, wealth management, financial data quality, banking analytics, fintech operations and AI-assisted finance workflows.

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