On the cost side, for example, the customer service department and the fraud are very clear examples where we are within an advanced level of development. And then on the revenue side, the hyper-personalization that we mentioned exactly a year ago when we did a tech day in New York. When you open the app, the app is highly personalized depending on the person and even depending on where the person is. If it's in the airport, it gets a travel insurance offering or an FX offering. So we're having AI playing a role on the revenue side as well. Long answer, but basically we're actively driving the outcome to make the variables, the expense lines more fixed and less variable. And as we do that and we evolve, the operational leverage should be more meaningful.
May 12, 2025 / receipt, needs a key / Antti, CFO | earnings call 2025-05-12 | transcript dc5ffe7c-24e6-40f1-b7cc-c033367f1649 | chars 32415-33179 | segment 33
Our global account makes it very easy to invest, travel, send money internationally, and more.
Feb 6, 2025 / receipt, needs a key / João Vitor Menin, CEO | earnings call 2025-02-06 | transcript e31226ff-bc97-4e4f-8f8e-e2b03d91eabf | chars 4119-4213 | segment 4
Within this vertical, we typically serve higher-income Brazilians who typically travel and save money in the U.S.
Feb 6, 2025 / receipt, needs a key / Shanji, other | earnings call 2025-02-06 | transcript e31226ff-bc97-4e4f-8f8e-e2b03d91eabf | chars 10023-10136 | segment 10
Finally, on the global front, our deposits, along with assets under custody and assets under management, have reached the milestone of $1.4 billion, as we now are able to offer managed accounts for our clients investing abroad. This achievement is an important milestone and an evidence of our strong performance in the U.S. business. Within this vertical, we have reached 3.6 million clients, which are typically higher income Brazilians who frequently travel and invest in the U.S.
Nov 14, 2024 / receipt, needs a key / Alexandre Richo, CEO | earnings call 2024-11-14 | transcript 03d9c4d7-50bd-4368-b35b-aba950cd4489 | chars 11197-11680 | segment 11
Moving to the next page, last but not least, on the global front, as mentioned by João, we're continuously advancing in replicating one of our key competitive advantages in the US, our robust deposit franchise. We're excited to report that our assets under custody and deposits in US dollars have reached the milestone of $516 million, reflecting an extraordinary 133% year-over-year growth. This achievement underscores our strong performance in the US market. Within this vertical, we have successfully acquired 3.3 million clients, comprising of higher income Brazilian clients who frequently travel and invest in the US. This means a higher quality customer profiles in terms of spending, engagement, and RPAC levels. This growth and engagement in our global operations encourages us more and more to dedicate to expanding our reach and delivering valuable financial solutions to our clients, regardless of geographical boundaries.
Aug 7, 2024 / receipt, needs a key / Xande, CEO Brazil | earnings call 2024-08-07 | transcript d87403f4-b2db-414c-812d-88918a654f47 | chars 10515-11450 | segment 10
TAX ANALYST II | TAX COMPLIANCE - FINANCIAL CO SP | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4729268005", "remote": false, "category": "finance_ops", "function": "finance", "locat
company_statement / Sep 16, 2026 / receipt
OPERATIONS COORDINATOR | US TREASURY OPERATIONS MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4730609005", "remote": false, "category": "finance_ops", "function": "operations", "l
company_statement / Sep 16, 2026 / receipt
TECHNOLOGY COORDINATOR | GLOBAL TREASURY & CREDIT OPERATIONS MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4730810005", "remote": false, "category": "finance_ops", "function": "op
company_statement / Sep 16, 2026 / receipt
FINANCIAL PLANNING ANALYST III | OPERATIONS & PLANNING FINANCIAL SG MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4732902005", "remote": false, "category": "finance_ops", "functio
company_statement / Sep 16, 2026 / receipt
COLLECTION POLICIES SPECIALIST I | UNSECURED DEBT COLLECTION STRATEGY MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4732958005", "remote": false, "category": "other", "function":
company_statement / Sep 16, 2026 / receipt
CUSTOMER ADVISOR ANALYST I | ONE COMMERCIAL I MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4733081005", "remote": false, "category": "other", "function": "other", "location": "Be
company_statement / Sep 16, 2026 / receipt
TECHNOLOGY MANAGER | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4710714005", "remote": false, "category": "other", "function": "other", "location": "Belo Horizonte, MG", "job_title"
company_statement / Sep 15, 2026 / receipt
LAWYER SPECIALIST II | CONTRACTS, IP & NON-FINANCIAL PROD MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4729600005", "remote": false, "category": "finance_ops", "function": "other
company_statement / Sep 15, 2026 / receipt
CORPORATE EXECUTIVE MANAGER | Uberlândia, MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4730433005", "remote": false, "category": "other", "function": "other", "location": "Uberlâ
company_statement / Sep 15, 2026 / receipt
INTERN | DIGITAL REAL ESTATE FRONT MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4731752005", "remote": false, "category": "other", "function": "other", "location": "Belo Horizont
company_statement / Sep 15, 2026 / receipt
DATA ENGINEER II | MARKETING STRATEGY MG | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4731963005", "remote": false, "category": "other", "function": "marketing", "location": "Belo H
company_statement / Sep 15, 2026 / receipt
PRODUCT GROWTH SPECIALIST I | {"ats": "greenhouse", "city": null, "state": null, "job_id": "4733560005", "remote": false, "category": "other", "function": "marketing", "location": "Belo Horizonte, MG"
company_statement / Sep 15, 2026 / receipt
| Alexandre Reto | Brazil CEO | - | receipt |
| Alexandre Richo | CEO | - | receipt |
| Joao Vitor Menen | CFO | - | receipt |
| João Vitor Menin | CEO | - | receipt |
| Santiago Stel | CFO | - | receipt |
| 2026-11-12 | earnings call | scheduled |