João Pinhão currently works for BNP Paribas as Head of Fixed Income Sales in Portugal. Before, he worked 2 years for Bear Steans, as Head of Fixed Income Sales in Portugal, and 7 years for Citigroup, as Director on structured credit, fund derivatives and interest rate derivatives. Between 1998 and 2000, he was Deputy Head of Banco Mello Investimentos and, between 1994 and 1997, he worked for the Portuguese Central Bank. He started his career in 1992 as a Senior Auditor of Arthur Andersen & Co responsible for the auditing of financial institutions. He holds degree in Business Administration and Management from Instituto Superior de Economia e Gestão and an M.B.A. in Finance from Universidade Católica.