Maria Fernandes is a principal with Oliver Wyman’s Public Policy and Finance & Risk practices in the London office. Maria has been working in consulting for more than eight years, leading engagements with private banks, supervisors and policy makers across Europe, on a range of topics covering risk and policy for the financial sector, including risk and credit management, restructuring and resolution, regulatory response, supervision and public policy analysis in the financial services sector, development finance and anti-money laundering (anti-money laundering/combatting the financing of terrorism). In 2018, Maria started focusing on topics related to open finance and implications of digital trends for the public sector, having led the research for and coauthored Oliver Wyman’s publication Supervising Tomorrow (March 2019) and a study on financing models for digitalization of Portuguese small and medium-sized enterprises with the European Investment Bank (September 2019). Maria holds a bachelor’s degree in economics from Nova University and an M.Sc. in applied economics from Católica University in Lisbon, Portugal.