Ricardo is a principal in Deloitte & Touche LLP’s Risk & Financial Advisory practice. He serves as a Sustainability and Climate Risk Leader for Deloitte in the US. Ricardo helps financial institutions navigate complex and evolving Environmental, Social, and Governance (ESG) expectations and regulations. This role is a natural extension to his focus on large and complex industry transformations that requires a combination of risk, compliance, analytics, technology, and business understanding. He has more than 25 years of experience serving the financial services industry and clients in Latin America, the United States, and Europe. Ricardo holds a Master of Sciences degree in Statistics and Financial Engineering from New York University’s Stern School of Business, as well as Professional Risk Manager (PRM), Financial Risk Manager (FRM), and Sustainability and Climate Risk (SCR) certifications awarded by Professional Risk Managers' International Association (PRMIA) and Global Association of Risk Professionals (GARP).