Simone Melo

• Facilitated acquisition of over $200 million in new client assets.
• Achieved 300% growth metric in 2025.
• Expanded client base to 28 individuals, including four billionaire families through strategic outreach.
• Focused exclusively on high net worth and ultra high net worth clients, families, endowments, and foundations.
• Provided comprehensive banking, investment, credit, lending, wealth planning, and insurance services.

Prospects and maintains relationships with high-net-worth and ultra-high-net worth individuals and families.

• Demonstrates deep understanding of unique client needs, forms trusted relationships, and delivers “white

glove” service. Provides multifaceted estate and trust planning strategies, simple solutions for credit lending,

and investment management.

• Graduated from the Private Bank Credit College Program in 2022, a highly selective and prestigious internal

program.

• Chosen as protégé for highly selective Diverse Leader Sponsorship Program for demonstrated ability to inspire

others with deep commitment to excellence in achieving shared goals.

Connected high-net-worth individuals and institutions to solutions that help them reach their financial goals.

• Combined client experience of boutique-like private bank with access to extensive resources including

traditional, specialty asset, alternative, and capital market investment solutions as well as customized credit and

banking offerings.

• Completed comprehensive, 18-month Private Client Associate Development Program (PCAD) and acquired deep

knowledge about Bank of America’s capabilities, services and solutions.

2019 Pinnacle Diamond Award Recipient (top 1% nationally)

• Certified to assist customers in Portuguese and Spanish.• Exceeded goals in a customer-centric, results-driven environment. Utilized technology to assist customers with

self-service needs. Promoted customer satisfaction with strong critical thinking and problem resolution skills.

• Influenced and collaborated with others outside of reporting authority to achieve shared goals. Built solid

relationships with teammates, business partners, and specialists by fostering teamwork, partnership, and

collaboration. Displayed passion, commitment, and drive to deliver an experience that improves customers’

lives.

• Demonstrated initiative, commitment to continuous learning, and ability to adapt to changing demands and

requirements. Managed multiple responsibilities. Applied strong communication skills (including verbal, non-

verbal, written and presentation) and active listening skills.

Awarded Finance Executive of the Year, Brazilian Institute of Finance | 2005

Mid-market financial services holding company specialized in combining working capital financing, credit risk protection,

accounts receivable bookkeeping and collection services.

Awarded among the 35 best companies in the last 4 years by

the Great Place to Work Award.

SM Consultoria Ceará, Brazil

Senior Partner | 04/2014 - 02/2016

• Assisted twelve medium and large sized companies across a variety of sectors, including tourism, beverage,

furniture, technology, construction, tourism, food, beverage, clothing in corporate consultancy.

• Expanded the company focus from tax litigation and asset protection to business valuation, financial economic

projects, and advising on mergers and acquisitions. Observed corporate and tax aspects, reorganization, and

guidance on creating corporations.

• Oversaw team of 4 people that helped the client companies gain access to working capital for expansion and/or

products development.

• Prospected potential clients to offer full support on their potential Merger & Acquisition processes.

• Directed and closed 6 M&A’s deals in 2015 from due diligence to sale.

• Participated in a large M&A deal from a centenary beverage industry to a multinational beverage leader

company in the amount of $ 800 million representing the seller.

Senior Relationship Director | 07/2009 - 04/2013

• Advised 2,400+ businesses directly and indirectly on production, sales, purchases, and financial needs, fostering

faster and solid growth for client companies.

• Managed more than 800 weekly transactions of asset-backed securities operations combined with consulting

services.

• Developed research report on transactions and industry trends from the main risk exposure sectors such as:

tourism, textile, education, and construction.

• Oversaw quarterly audit teams, from KPMG and Deloitte over the asset-based lending transactions to maintain

S&P AA rating.

• Managed an average of $100,000 asset-backed loan portfolio monthly.

• Negotiated operational conditions with clients on a larger scale and with banks and investors on investments

and financial leverage.

• Conducted monthly review of 200 client-company financial reports and records performance to understand

their financial needs, loan conditions, and collateral position.

• Reviewed all operations from headquarters and 6 branches, focusing in credit reviews, financial performance,

and new business potential.

• Created and implemented operational new procedures and policies to reduce risks of defaults and frauds.• Oversaw 80-person organization from headquarters and branches in charge of finance, sales, legal, accounting

and operations.

• Generated 25% increase in profitability by restructuring and consolidating branches.

• Prepared and managed multi-year strategic plan involving revolving annual $100 million amount.

• Drove development and implementation of proprietary management business intelligence software that was

sold to several competitors in Brazil and revolutionized the asset- backed securities companies by increasing

security and predicting bankruptcy or crisis .

New Product Development Manager | 1/2001 - 06/2008

• Played key role in penetrating international factoring in Brazil and membership in Factors Chain International

(2001) resulting in relationships with more than 60 countries, mostly emerging markets countries.

• Analyzed, orchestrated, implemented, and developed this important international service for the Brazilian

SME’s. Managed a portfolio of foreign partner banks and their exporting clients, while continuing to grow the

portfolio.

• Collaborated with a team to fully structure, daily manage, and serve as advisors and Subordinate Share owners

of ABS Fund - Asset Backed Securities named "FIDC SM LP" rated by S&P (AA), audited by KPMG, custody by

Paulista Bank and registered by CVM.

• Oversaw entire corporate governance, assured compliance, and developed stakeholder relationships. Managed

three new rounds of investments, on the asset backed securities fund that occurred on the following years.

Senior Relationship Manager | 6/1995 - 1/2001

• Prospected new customer relationships with a range of approaches: visiting industry associations, promoting

target meetings in universities, and cold calling companies.

• Formed consultative relationships with customers. Provided solutions based on in-depth knowledge of their

personal goals and financial needs.

• Evaluated and managed daily loans and portfolio credit quality. Prepared and sent daily account receivables

performance managerial report.

• Initiated immediate collection and/or realized new operation to deduct default debts. Collected daily defaults.

• Presented and defended client credit limit proposal to Board of Directors and Commercial Managers based on

revenue, industry trends, and profitability at monthly board credit meetings. Gained valuable insights regarding

possible risks from my portfolio of clients.