Ana Carvalho obtained a Bachelor degree in Business Management from the University of Algarve in 1997. 

She completed a course in Affluent Banking organised by the Banking Training Institute in 2003, and the Catholic University of Lisbon’s "Master- BES 360, Custom Made Program" in 2006.

She is qualified to provide information and consultancy and manage portfolios within the scope of MiFID II (Directive 2014/65/EU), and has received other professional training in investment, and financial instruments and markets. 

She has more than 25 years’ professional experience in banking and customer support services.

She is currently Director of Banco Carregosa’s Savings and Investments department, having joined the bank in 2018.