Pension Product Manager, BBVA With a degree in Management and Tax Science from the Instituto de Estudos Superiores Financeiros e Fiscais - IESF, awarded by Espaço Atlântico - Formação Financeira, S.A., Mónica Morais joined the team at BBVA Fundos - SGFP, S.A. in 1998, developing her entire career in the area of Pension Funds.