Caruana: The financial institution in partnership of urban mobility.

Authorized by the Central Bank of Brazil, Caruana is a financial institution that for over 10 years has been oriented towards urban mobility and offers innovative technological solutions for companies and users of public transport, adding value to the business and promoting social inclusion.

It has the most extensive portfolio of financial products and services such as Direct Consumer Credit for bus financing and innovative solutions in means of payment for companies and transport users. For Caruana, a real partnership is to believe and invest in the transforming power of passengers, employees and urban mobility companies across the country.

 

Governance Structure of Controls

The existing control structure is compatible with the size and complexity of operations:

 

Credit analysis

Registration

Financial

Products and Marketing

Ombudsman

Accounting

Internal Law

Risk Management Area

I.T. and Procedures

Products Background

Internal Control Area/AML

Internal Audit

 

The committee structure encompasses all relevant aspects of the organization:

 

Executive Committee

Billing Committee

AML Committee

I.T., Projects and Products Committee

Credit Committee

Risk Management Committee

External Audit (Deloitte)

Institutional Rating (S&P)