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André Rodrigues will be responsible for the Retail Bank ( Itaú Agencias, Itaú Uniclass, Personnalité, Companies, Branches Network, Individual and SME Products, CRM, Digital Channels and User Experience), Insurance and SME Loans. André Sapoznik will be responsible for the new Payments structure, covering Credit Cards, Rede, iti and Cash Management. André will remain responsible for Operations and Customer Services and will also be in charge of Marketing. Carlos Constantini will be responsible for WMS (Wealth Management and Services), which comprises the areas of Asset Management, Funds of Funds, Private Global and vertical of Investments, Investment Products and Investment Services and Operations. ....