Estela Gouveia dos Santos

Questioner
DISC Type : c

Superintendente Executiva de Compliance e Gestão de Fraudes at Tokio Marine Seguradora

Brazil

Overview

Estela Gouveia dos Santos is the Executive Superintendent of Compliance and Fraud Management at Tokio Marine Seguradora, bringing extensive experience from the banking and insurance sectors. A law graduate from Anhanguera Educacional, her expertise covers regulatory compliance, anti-money laundering, and internal controls, honed at institutions like HSBC and Santander.

Outside of her demanding professional life, Estela indicates an interest in social causes. She follows and supports organizations such as the Cancer Institute of the State of São Paulo (ICESP), reflecting a commitment to community well-being.

She has dedicated her career to the specialized field of financial crime prevention, progressing from an investigator to an executive leader.

Personality Overview

Cautious & Analytical

Value Seeker

Price-Sensitive

While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters.  They are more likely than others to negotiate on pricing and terms. They generally do not appreciate an overfriendly approach and prefer to stay to-the-point.

Topics They Care About

Fraud Management
As the head of Fraud Management, she is directly responsible for overseeing the prevention and investigation of fraudulent activities at Tokio Marine.
Regulatory Compliance
Her career has been centered on ensuring adherence to financial regulations, including anti-money laundering and anti-corruption programs.
Financial Crime
Has a background in investigating suspicious financial activities and reporting to regulatory bodies like COAF from her time at HSBC and Santander.

Media Appearances

Estela has no verified media appearances

Work History

12-2025
Superintendente Executiva de Compliance e Gestão de Fraudes at Tokio Marine Seguradora
9-2022 - 12-2025
Gerente de Compliance, Controles Internos Riscos at Tokio Marine Seguradora
4-2016 - 9-2022
Gerente de Compliance at Tokio Marine Seguradora
Gerente de Compliance at HSBC Bank Brasil S.A. - Banco Múltiplo
Coordenadora de Investigação at BANCO SANTANDER (BRASIL-PREF

Education

8-2021 - 7-2026
Bacharelado em Direito from Anhanguera Educacional
Curso Superior de Tecnologia (CST) from • Universidade Santana

More Information

Social Presence :

Prographics :

Exp : 33 Location : Brazil Job Level : N/A Designation : Superintendente Executiva de Compliance e Gestão de Fraudes at Tokio Marine Seguradora
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Insights For Selling To Estela

During A Call Or A Meeting

DO's

  • Keep some extra margin in hand as they will likely negotiate the pricing
  • Back up any claims with data and numbers
  • Share as much information as possible regarding your product

DONT's

  • Don’t overhype the product/pitch, keep it measured
  • Don’t depend too much on anecdotal evidence, it reduces their confidence
  • Don’t try to be too friendly or informal with them

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Estela is

  • Confidence that the product provides ROI, effective pricing and process adherence matter the most to them.

  • Will you ever get a clear answer from Estela

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Estela move?

  • They can move at a reasonable pace while making their decisions if they have the necessary information.

  • Can Estela take some risk or not?

  • They can take risk if they are convinced that they have analyzed the circumstances well.


You And Estela

Personality Compatibility


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