Cosmo Lima

Financial and administrative expert witness work with rigorous methodology. Technical reports on tax compliance, tax risks (ICMS, ISS), and accounting systems analysis (SPED Fiscal, DCTF). Interpretation of Federal Revenue and SEFAZ regulations. Liaison with attorneys, companies, and judges in highly complex regulatory cases. Financial and administrative expert witness work with rigorous methodology. Technical reports on tax compliance, tax risks (ICMS, ISS), and accounting systems analysis (SPED Fiscal, DCTF). Interpretation of Federal Revenue and SEFAZ regulations. Liaison with attorneys, companies, and judges in highly complex regulatory cases. TJSP Code: 132505.

Product leadership within the Beyond Banking ecosystem, conducting discovery with internal stakeholders and strategic partners to define roadmap and prioritize backlog using the RICE framework. Integration of artificial intelligence and predictive analytics to optimize operations and partner experience. Implemented real-time product dashboards (Power BI) integrating data from multiple systems (ERP, WMS, TMS). Redesigned 12 critical processes with machine learning for route optimization. Coordinated cross-functional squads across IT, Operations, Product, and Strategic Partners. Monitored growth metrics (activation, retention, engagement) and north star metrics. Results: 28% reduction in operational costs, fulfillment lead time from 5 to 3.2 days (-35%), on-time delivery from 82% to 97%, partner NPS +72, operational efficiency +24% per FTE, 104% ROI in 12 months.

Led the modernization of the cards core platform (50M+ transactions/month), operating at the intersection of product, data, and technology. Defined roadmap, prioritized backlog, and managed functional requirements for the migration from monolithic architecture (COBOL/mainframe) to cloud-native microservices using Strangler Pattern and RESTful APIs. Coordinated 5 multidisciplinary squads (80+ professionals), managed R$30M budget over 18 months. Ensured regulatory compliance with Open Finance (Bacen) through development and certification of 15 standardized APIs. Risk management with feature flags, canary deployments, and rollback in under 4 hours. Built business cases, functional specifications, and test scripts for each release. Results: 87.5% reduction in time-to-market (6 months to 3 weeks), delivery ahead of Bacen deadline with first-audit certification, 99.9% uptime, 180% ROI over 3 years, NPS from +42 to +68.

Led a multidisciplinary squad (12 professionals) as Product Owner for the current account platform modernization, focused on BaaS (Banking as a Service), Open Finance, and PIX integration. Direct collaboration with the PIX squad on Checking Account platform integration. Implemented data-driven culture with quarterly OKRs and real-time dashboards (Power BI). Redesigned the digital account opening journey (time-to-first-value from 48h to 10min). Ran 40+ A/B tests over 15 months, establishing a culture of continuous experimentation and conversion funnel analysis. Prioritized backlog based on product metrics, user feedback, and P&L impact. Applied product discovery frameworks (Opportunity Solution Tree, continuous discovery) for opportunity identification and validation. Results: NPS from +52 to +71 (+37%), activation rate from 45% to 67%, D30 retention from 38% to 58%, login frequency +60%, churn reduced by 24%, squad velocity from 28 to 45 story points/sprint.

Fiscal technology and digital compliance consulting for integrated system implementation across the Bosch Car Service network (28 clients). System compliance with tax legislation (SAT-CF-e, NF-e, SPED Fiscal) including automated issuance, XML validation, and fiscal-accounting reconciliation. Defined functional requirements and monitored API integrations with legacy systems. Results: 18% reduction in tax liabilities, 100% audit approval rate, ancillary tax processing reduced by 65%, operational errors eliminated by 92%.

End-to-end product management for Nissan's B2B Automotive Marketplace, from discovery to Go-to-Market. Platform connecting dealers, service providers, and consumers in B2B and B2B2C models. Discovery with 25 in-depth interviews and validation with 80+ users. Go-to-Market structured with predictive analytics (ML) and RICE and Jobs-to-be-Done frameworks. Predictive pricing model in Python (scikit-learn) analyzing 10,000 transactions. Product growth strategy focused on activation, retention, and expansion. Managed roadmap, backlog, and product metrics (GMV, activation rate, retention, conversion, NPS, CAC/LTV). Results: R$12M GMV in 6 months, 58% activation rate, 48% D30 retention, 4.2% conversion, +62 NPS (buyers), 1:4.5 CAC/LTV ratio, expansion by Nissan to 3 new states.

Retail operations digital transformation with implementation of agile methodologies (Kanban, OKRs), cloud computing, and data analytics. ERP reimplementation with SAT-CF-e fiscal compliance. Cloud migration with 99.9% uptime and 40% reduction in operational costs.

Project portfolio management in digital security, forensics, and blockchain applied to chain of custody. Implementation of agile processes (Lean, Kanban). Defined roadmap and backlog for enterprise security solutions (F5 Networks, Avigilon) for clients including CNOVA, Riachuelo, and SICPA. Stakeholder prioritization across multiple organizational levels.

Organizational agile transformation, migrating from waterfall to Scrum in corporate IT projects. Technical team coaching in agile methodologies. Facilitation of ceremonies (planning, review, retrospective). Key clients: Biolab Farma, HP Brasil/Itaú.

Infrastructure operations management for enterprise clients (Itaú, Fidelity, Kraft Foods, Porto Seguro). Custom SLA creation and knowledge matrices for distributed teams.

Cross-selling strategy across B2B supply chain (IBM, Positivo, Philips, Orange Telecom).

Developed BSM (Business Service Management) module.

Disciplinas: Machine Learning, Deep Learning, Big Data Analytics, Inteligência Artificial aplicada a negócios, Data-Driven Decision Making.