Margarida Esteves da Fonseca is Head of Unit-Linked, ALM and Structured Products at BMO Global Asset Management (EMEA) Portugal. She joined BMO Global Asset Management in 2001. Prior to the firm, Margarida worked in Unit Linked and Closed-end Investment Funds at AF Investimentos (BCP Group) from 1998 to 2001. Prior to that, Margarida was a technical advisor for the Portuguese Treasury from 1996 to 1998. From 1989 to 1994, she worked at Banco Português do Atlântico, latterly as a Manager in the Capital Markets Department. From 1976 to 1998, Margarida was also a lecturer at the Universidade Católica Portuguesa in Economics and Business Administration. She has an Economics degree from Universidade Católica Portuguesa, and an MBA from Universidade Nova Lisboa/Wharton School.