Carlos Manuel Pinheiro is an experienced Manager with a demonstrated history of working in the banking industry. Skilled in negotiation, business planning, banking, entrepreneurship, he holds a PhD in Finance from ISCTE Business School, Lisbon University Institute. Adjunct Professor practised at teaching Finance and related subjects in the Lisbon Accounting Business School and Universidade Europeia – Laureate International Universities. He has published in academic journals and conducts research as integrated member at the Business Research Unit (BRU)- Lisbon University Institute. His research interests span Financial institutions, Financial Markets, International Economics, Governance and Behavioral Finance.