Artur Rios

Develop software for XP Empresas, the business-banking unit of XP Inc. (R$1.5 trillion in client assets), focused on financial products and payment services. Currently building XP Empresas Pay, XP’s card-acquiring and payments platform for corporate clients, launched in July 2026.

Consultant for Itaú Unibanco’s foreign exchange and derivatives area. Itaú is Brazil’s largest FX bank and has led B3’s OTC derivatives ranking for nine years.

• Built and maintained a .NET API integrating manually managed derivatives portfolios with the bank’s internal risk systems, improving reliability and efficiency.
• Evolved an ETL-based accounting reconciliation platform, ensuring data consistency and traceability to meet audit requirements.
• Helped shape the platform’s cloud modernization from day one, contributing to architecture decisions, technical standards, and component development.

Consultant for BTG Pactual, Latin America’s largest investment bank, on foreign exchange (FX) systems across the full transaction lifecycle.

• Integrated FX operations into the back-office system and maintained communication with Banco Central do Brasil and the SWIFT network.
• Implemented regulatory requirements and new features, and resolved operational issues.
• Migrated legacy systems to the cloud and built custom reports.

Built and maintained research applications for ExxonMobil professionals in areas such as chemical products, industrial equipment, and human resources, working across back-end, front-end, databases, and deployment in an agile team.

Modernized the front-end of the back-office system at Santander Brasil, a bank with 50+ million clients, during COVID-19, replacing paper-based signatures with digital ones. Worked on features, unit tests, deployment, and system integrations in an agile squad.

Full-stack developer for internal systems, with on-premises and cloud deployments. Contributed to a full-system refactor, from database to UI, to scale onboarding of new clients, and built debt-recovery solutions (negotiation portal, automated email/SMS campaigns, chatbot) for clients such as Sky, Neoenergia, and Cogna.

Developed software for investment brokerages in Scrum teams: the back-end of a suitability questionnaire that profiles new investors, and a full-stack module for managing broker compensation.

Built websites for small local businesses, such as bakeries and convenience stores, and portfolio websites for photographers, using HTML, CSS, JavaScript, and Bootstrap.

MBA in Software Engineering

Bachelor’s in Information Systems

Mechatronics Technician