Snapshot
One of Brazil's largest private banks, with retail banking, a large insurance group (Bradesco Seguros), asset management, and the digital bank Next.
Talking points
- The turnaround plan is long and needs execution support (segment redesign, cost-out, tech modernization).
Likely opportunities
- Transformation office. Core modernization. AI customer service.
Outreach plans
2 plans for the main opportunities, in outreach wave 2. All budgets, deal sizes and dates are planning estimates made from the public brief, not from client data or Accenture financials. Executive names are used only where the brief also names them; verify roles and names before outreach.
1Transformation officeCost & operationsIdentified$4.4M–$14M
The Banco Bradesco brief flags this opportunity: Transformation office. Lead with a fixed-scope 4-week entry offer that proves value quickly, then grow it into the cost program office and the delivery of the largest levers.
From opportunity: Transformation office
- Why now
- Multi-year turnaround under CEO Marcelo Noronha, saying "2026 won't be a year of accommodation".
- Buyers
- CFO · COO · CEO Marcelo Noronha · Head of Transformation
- Our sponsor
- Accenture Strategy & Consulting MD for Financial Services, with the account's client lead
- Entry
- A 4-week cost baseline and value-at-stake review: spend cube, benchmarks and 3-5 levers with savings ranges, ready for the next earnings or board cycle.. Existing CAL relationship. Account lead (Kleber.Alencar) brokers the first meeting with the CFO, and the sponsor brings the point of view.
- Proof points
- Cost and operating model transformation case studies
Deal size$4.4M–$14M
Pursuit cost$120K
Win probability30%
Estimate: Estimate. Pursuit cost is about 24 person-weeks of account, sponsor and SME time at a blended $5,000 per person-week. The entry offer itself is a fixed fee of roughly $100k, or an Accenture investment if the pursuit is contested. The deal range is the 12-24 month follow-on (the cost program office and the delivery of the largest levers), scaled for a large client from a reference range of $8-25M. It is not based on client budget data. Win probability of 30% is a planning assumption for a Diamond.
Outreach sequence
- Week 1Rebuild the cost base from filings and compare the efficiency ratio or expense ratio with peers. Map the buying group (CFO, COO, CEO Marcelo Noronha) and known Accenture relationships.Account lead (Kleber.Alencar) with an industry SME
- Week 2Confirm the sponsor and pick two reference clients.Sponsor
- Week 3Reach the CFO with a one-page note on transformation office, through the account lead.Account lead (Kleber.Alencar)
- Week 4-5Executive meetings with the CFO and the COO: test the hypotheses and offer the entry offer.Sponsor and account lead
- Week 6-7Take the CFO's team through the levers and the run-rate savings timeline.Industry and technical SMEs
- Week 8Scope and price the entry offer with the client's working team; agree success measures.Pursuit lead
- Week 9-10Proposal review with the economic buyer (CFO) and procurement.Sponsor
- Week 11-12Sign the entry offer and mobilize the 4-week team.Delivery lead
- Week 16Read out results and propose the follow-on: the cost program office and the delivery of the largest levers.Sponsor and delivery lead
Timeline
Jan 2027May 2027
Prepare and engageFirst executive meeting held with the CFO
ShapeEntry offer scoped with the client's working team
ProposeEntry offer signed
Deliver entry offerResults read out and follow-on proposal submitted
ExpandFollow-on program signed
Success measures
- Value-at-stake review signed
- Savings program mobilized with a tracked run-rate
- Announced cost or efficiency targets met (client's measure)
Risks
- Strategy firms often hold the cost program design
- Savings targets can turn into rate pressure on the delivery work
- Competition (from the brief): Accenture, IBM and Stefanini are common in Brazilian banking.
2Core modernizationCloud & coreIdentified$11M–$33M
The Banco Bradesco brief flags this opportunity: Core modernization. Lead with a fixed-scope 8-week entry offer that proves value quickly, then grow it into a multi-year modernization program delivered in migration waves.
From opportunity: Core modernization
- Why now
- Core modernization, AI (BIA virtual assistant) and cloud (AWS, Microsoft).
- Buyers
- CIO · CTO · COO · CFO
- Our sponsor
- Accenture Technology MD for the account, with the Cloud First lead for Financial Services
- Entry
- An 8-week modernization blueprint: application portfolio scan, target architecture, migration waves and a self-funding business case, using Accenture tooling for code and dependency analysis.. Existing CAL relationship. Account lead (Kleber.Alencar) brokers the first meeting with the CIO, and the sponsor brings the point of view.
- Proof points
- Core and platform modernization case studies
Deal size$11M–$33M
Pursuit cost$150K
Win probability30%
Estimate: Estimate. Pursuit cost is about 30 person-weeks of account, sponsor and SME time at a blended $5,000 per person-week. The entry offer itself is a fixed fee of roughly $200k, or an Accenture investment if the pursuit is contested. The deal range is the 12-24 month follow-on (a multi-year modernization program delivered in migration waves), scaled for a large client from a reference range of $20-60M. It is not based on client budget data. Win probability of 30% is a planning assumption for a Diamond.
Outreach sequence
- Week 1Estimate the legacy estate and run cost from public tech spend and peer benchmarks. Map the buying group (CIO, CTO, COO) and known Accenture relationships.Account lead (Kleber.Alencar) with an industry SME
- Week 2Confirm the sponsor, pick two reference clients, and line up support from the client's hyperscaler and core platform vendor.Sponsor
- Week 3Reach the CIO with a one-page note on core modernization, through the account lead.Account lead (Kleber.Alencar)
- Week 4-5Executive meetings with the CIO and the CTO: test the hypotheses and offer the entry offer.Sponsor and account lead
- Week 6-7Show a gen-AI-assisted code analysis of a comparable legacy estate and a wave plan from a peer migration.Industry and technical SMEs
- Week 8Scope and price the entry offer with the client's working team; agree success measures.Pursuit lead
- Week 9-10Proposal review with the economic buyer (CFO) and procurement.Sponsor
- Week 11-12Sign the entry offer and mobilize the 8-week team.Delivery lead
- Week 20Read out results and propose the follow-on: a multi-year modernization program delivered in migration waves.Sponsor and delivery lead
Timeline
Feb 2027Jul 2027
Prepare and engageFirst executive meeting held with the CIO
ShapeEntry offer scoped with the client's working team
ProposeEntry offer signed
Deliver entry offerResults read out and follow-on proposal submitted
ExpandFollow-on program signed
Success measures
- Blueprint signed
- First migration wave live on schedule
- Run cost down 15-30% on migrated scope (target)
Risks
- Core vendors and offshore integrators bid aggressively on rates
- Multi-year programs need sustained board funding
- Competition (from the brief): Accenture, IBM and Stefanini are common in Brazilian banking.
01Strategic priorities
- Marcelo Noronha's 5-year transformation plan (from 2024) restructures segments, focuses on high-income clients, cuts costs (branch closures), invests in tech, and recovers ROE toward the cost of equity. He refuses to accelerate the plan despite market pressure.
02Financial health and spend signals
- ROE recovering (mid-teens target). Revenue is the "main lever" (Brazil Journal).
03Leadership changes
- Noronha is CEO.
04Regulatory pressure
- Banco Central do Brasil. Pix and open finance regulation.
05M&A and restructuring
- Small deals in insurance and digital.
06Tech stack and vendor footprint
- Core modernization, AI (BIA virtual assistant) and cloud (AWS, Microsoft).
07Competitor engagements
- Accenture, IBM and Stefanini are common in Brazilian banking.
08Risk disclosures
- Brazil rates and credit cycle, plus competition from Nubank and Itaú.
Workforce
84,000 employees (2024), -4% since 2021. Flatunverified
Earnings call themes
No call themes tracked yet.
Regulatory actions
No consent orders, MRAs or fines tracked. See Regulatory pressure above for context.
Recent public signals
Sourcing. Bullets without a source link or a ✓ mark come from model knowledge (public information up to mid-2026) and have not been verified. Check them against the latest filings before using them with a client. Recent public signals were found by web search; most were judged from the headline and source, not a full read.