ROS
Ricardo Oliveira Sousa
Banco de Portugal
Head of the Banking Conduct Supervision Department
Description
Ricardo Oliveira Sousa holds a Law degree and a Master’s in Law, as well as postgraduate qualifications in Law and Management. He began his career as a litigation and financial lawyer before joining Banco de Portugal in 2008. He served as Deputy Head of the Enforcement Department from 2016 to 2023. In 2023, he was appointed Deputy Head of the Conduct Supervision Department and has been Head of Department since 2025. He is responsible for regulating and supervising the conduct of financial institutions in their dealings with clients and for promoting financial education initiatives aimed at banking consumers. He represents Banco de Portugal in international bodies such as the OECD/INFE, FinCoNet and the EBA’s Standing Committee on Consumer Protection and Financial Innovation (SConFin). He also chairs the Coordination Committee of Portugal’s National Financial Education Plan.
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