Hi, I’m Danielle Martins Pinheiro. My MSc in Applied Financial Economics at HEC Montréal put panel-data methods at the centre of my research, with difference-in-differences and triple-difference designs on large administrative datasets. Before that, more than a decade as a product manager at major financial institutions in Brazil, followed by customer-facing roles in Canada, taught me how to explain complex ideas to people who need answers rather than jargon.