Gustavo Caldas has had a 29-year career in the insurance business - 18 of which as a broker and consultant and 11 with the Brazilian insurance supervisor, SUSEP.  Gustavo holds degrees in Engineering and Law, with MBAs in Public Law and Risk Management.  He also holds an ALARYS accreditation as an AIRM. He has worked as an instructor and lecturer of risk and insurance-related matters at agent certification courses, and at university in both the undergraduate and graduate levels. He is also a skilled translator of risk and insurance-related books and technical texts (English-Portuguese).