Patricia Costa

As a Senior Underwriter at Trustly, I perform in-depth financial, credit, and operational risk assessments for merchants across multiple regions. My work focuses on evaluating the financial stability and compliance posture of high-volume merchants while supporting the company’s broader risk management and onboarding strategy. Key Responsibilities: • Analyze and evaluate merchant applications, financial statements, and tax returns to determine creditworthiness and risk exposure. • Assess industry trends, key metrics, and mitigants to establish accurate merchant risk ratings and recommendations. • Ensure full compliance with BSA/AML, KYC, and regulatory requirements, coordinating closely with internal Compliance and Risk teams. • Prepare comprehensive credit memos and underwriting documentation summarizing financial and reputational risk assessments. • Perform periodic portfolio reviews to monitor existing merchants and identify potential risk deterioration. • Utilize Salesforce for case management, Amazon QuickSight for data-driven risk insights and reporting, and OneTrust for due diligence and compliance tracking. • Contribute to process improvements and automation initiatives, enhancing efficiency, consistency, and turnaround times in underwriting workflows. • Collaborate with cross-functional teams to ensure a consistent and data-backed approach to merchant risk evaluation.

Financial analysis of companies using their quantitative (Income Statement, Balance Sheet and Cash Flow) and qualitative data, in addition to public ratings of the main risk agencies in the world (S&P, Moody’s and Fitch). Credit risk assessment for SMEs and large corporations (Fortune 500 enterprises), understanding the client's industry risk, sovereign risk, business structure, capital structure and financial risks, in addition to monitoring potential losses across the entire Americas portfolio. Preparation of credit reports and memos. Client portfolio management and presentation of cases in credit committees.

With my regional scope for Latin America, I'm responsible for: - Senior Account Management. - Financial analysis. - Manage the receivables for collection portfolio assigned and ensure all overdue by customer are paid promptly by calling and other means of reaching out to clients, maintaining customer relations. - Organize collection to meet Operational KPIs. - Attend AR Review calls. Provide complete and solid collection status and progress updates. - Plan and implement collection strategies and engage in direct collection of receivables. - Coordinate with credit control, bad debts analyst of exceptional, problematic, or suspicious customer and provide case histories where applicable to minimize bad debt and loss from fraud. - Work closely with Cash Application Team to advice and ensure that payments are allocated/applied correctly, include clearing UFA (Unapplied Fund Account). - Perform credit & finance analysis by providing AR status / outstanding to Credit / Treasury for credit release purposes or on customer accounts in order to manage credit limits terms and order releasing. - The role provides operational and administrative support to the business by being responsible for organizational tasks of varying complexity.

With my regional scope for Latin America, I'm responsible for: - Manage the receivables for collection portfolio assigned and ensure all overdue by customer are paid promptly by calling and other means of reaching out to clients, maintaining customer relations. - Organize collection to meet Operational KPIs. - Attend AR Review calls. Provide complete and solid collection status and progress updates. - Plan and implement collection strategies and engage in direct collection of receivables. - Coordinate with credit control, bad debts analyst of exceptional, problematic, or suspicious customer and provide case histories where applicable to minimize bad debt and loss from fraud. - Work closely with Cash Application Team to advice and ensure that payments are allocated/applied correctly, include clearing UFA (Unapplied Fund Account). - Perform credit & finance analysis by providing AR status / outstanding to Credit / Treasury for credit release purposes or on customer accounts in order to manage credit limits terms and order releasing. - The role provides operational and administrative support to the business by being responsible for organizational tasks of varying complexity.

Within my regional scope for Latin America, I'm responsible for: - Financial analysis; - Control of customer credit lines; - Control and collection of high value debt; - Verification and settlement of requests made by corporate customers; - Monitoring the evolution of delinquency in the list of customers through the use of management reports and specific IT systems; - Support to sales team.

Within my regional scope for North America, I was responsible for: - Contract audit; - Control of SOX control points; - Process review; - Report attention points, so education team could schedule process reviews;

Within my regional scope for North America, I was responsible for: - First line of support for IGF internal and external customers; - Filter customer orders by area, and forward to the respective one; - Validation of current and future customers; - Customer registration in the system.

Within my regional scope for Brazil, I was responsible for: - Visiting Eletrobras Furnas subsidiaries; - Register the operational equipment's in SAP; - Improve the database and to have easy access to the specifications;

Within my global scope, I was responsible for: - Generate HR process indicators and reports (Meritocracy, Employee Assessments, moves and promotions); - Administration of the team's budget; - Enhancement project of the company's 360 assessment system (SAP); - Education of the new process to global BPs.

Helping tourists during the world cup in Rio.

Sales in biquini store, during christmas season.

The MBA Finance develops an in-depth discussion on finance theory and financial management best practices in solving real problems in contemporary organizations and societies. The objective of the program is to improve knowledge, skills and competences to respond and adequately solve the complex challenges that companies present today. It combines a solid quantitative training with the improvement of the strategic vision covering the various segments of the financial and capital markets, of the capacity for analysis and decision-making. Ibmec's MBAs are structured to allow for the compatibility of study and professional activity. The programs comprise the disciplines that form the core of each course and a set of specific contents, which make it possible to deepen knowledge in Finance while working on the managerial skills of its students.

3 week Strategy & Marketing program.