Luciane Effting

Reaction is a global organization invested in solving the toughest global problems. We were founded by over 200 Stanford alumni executives across 47 countries. Our mission is to improve a billion lives, within a decade, by thought leadership and scaling innovations that change the world. Reaction is creating exponential change. Why now? Because more innovations will be created in more countries and industries over the next decade than in the previous 50 years. Many that offer the potential to solve pressing global issues will fail to reach the markets that need them the most. Reaction was founded by a diverse team of global leaders who united to solve this problem. We share a vision for a world where thought leadership and innovation can change more lives in less time.

Banco Santander (SAN SM) is a leading commercial bank, founded in 1857 and headquartered in Spain and one of the largest banks in the world by market capitalization. The group’s activities are consolidated into five global businesses: Retail & Commercial Banking, Openbank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments. This operating model allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. In the first quarter of 2026, Banco Santander had €1.4 trillion in total funds, more than 176 million customers, 6,600 branches and 185,000 employees.

Reaction is a global organization invested in solving the toughest global problems. We were founded by over 200 Stanford alumni executives across 47 countries. Our mission is to improve a billion lives, within a decade, by thought leadership and scaling innovations that change the world. Reaction is creating exponential change. Why now? Because more innovations will be created in more countries and industries over the next decade than in the previous 50 years. Many that offer the potential to solve pressing global issues will fail to reach the markets that need them the most. Reaction was founded by a diverse team of global leaders who united to solve this problem. We share a vision for a world where thought leadership and innovation can change more lives in less time.

A Toro é a plataforma aberta de investimentos do Santander Brasil. Invista em Renda Fixa, Fundos, Bolsa de Valores e também criptoativos com a excelência de uma das maiores instituições financeiras do mundo. Referência em renda variável e educação financeira, a Toro combina o melhor da inovação, com a solidez de um grande banco e a melhor equipe de atendimento do Brasil para construir seu portfólio personalizado, oferecendo a você uma jornada financeira cada dia mais completa. Por isso, sonhamos grande e buscamos inovação contínua para ajudá-las a encontrar as melhores oportunidades de investimentos do mercado e a investir de um jeito fácil, seguro e com Corretagem Zero de verdade. Para isso, combinamos pessoas e tecnologia, valorizando e preservando o espírito colaborativo e diverso. Acreditamos que impulsionar o desenvolvimento das nossas pessoas colaboradoras é fundamental!

We are the Brazilian Financial and Capital Markets Association. The entity has the purpose of representing and defending the interests of more than 300 members including banks, asset managers, brokers, securities dealers and investment advisers, which reflects the plurality and independence of our association. We work for the representation and coordination of our members’ interests, locally and internationally, and are dedicated to the development of a stronger capital market in Brazil. ANBIMA was created in October 2009 by the merger of the former National Association of Investment Banks (ANBID) and the former National Association of Financial Market Institutions (ANDIMA), institutions that had represented the market for more than four decades. Our mission is based on four commitments: represent, self-regulate, inform and educate.

Banco Santander (SAN SM) is a leading commercial bank, founded in 1857 and headquartered in Spain and one of the largest banks in the world by market capitalization. The group’s activities are consolidated into five global businesses: Retail & Commercial Banking, Openbank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments. This operating model allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. In the first quarter of 2026, Banco Santander had €1.4 trillion in total funds, more than 176 million customers, 6,600 branches and 185,000 employees.