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Paolo Manganello

EFPA-certified Financial Advisor. Credit management and debt recovery, debt position analysis and financial advisory for individuals and businesses — from Bern, for clients in Italy, Europe, Canada and the United States.

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Practice in BernBundesgasse 26 · clients on 4 continents

The journey

A professional, not an anonymous company

I built my practice around a precise idea: anyone with a debt to recover or a debt position to sort out deserves a competent, reachable and candid point of contact. Not a call centre, not standard forms, not promises.

My training as a Financial Advisor — with the EFPA Italia qualification, continuing MiFID II training, the ESG Advisor certification and the ANASF programme in advisory and investor protection — allows me to look at credit in its context: the overall financial situation of the client and of the counterparty, the real costs of each route, the sustainability of each agreement.

From my office in Bern I work with individuals, professionals and businesses in Italy, Europe, Canada and the United States, in person or remotely, with the same attention.

“Professionalism, transparency and concrete solutions for credit management.”

Values

How I work, always

Method

Analysis before action, strategy before pressure. Every case follows a clear five-phase path.

Transparency

Costs, timelines and realistic probabilities before we start. If a route is not worthwhile, I tell you.

Confidentiality

Information about your position stays between us. Data handled in compliance with the GDPR and the Swiss FADP.

Independence

No commissions from banks, finance companies or collection agencies. Recommendations answer only to your interest.

Network of professionals

Partner lawyers, accountants and notaries in the different countries, coordinated by a single lead.

Direct relationship

I personally follow every engagement. I answer, within one business day.

Credentials

Certifications and qualifications

Skills verified by independent bodies and updated every year through mandatory training.

EFPA Italia

Financial Advisor

Professional qualification issued by the European Financial Planning Association, the European standard for financial advice.

Consob · MiFID II

Professional training

Continuing training required by the EU Markets in Financial Instruments Directive: suitability, transparency, client protection.

EFPA

ESG Advisor

Sustainable finance certification: integrating environmental, social and governance criteria into financial choices.

ANASF

Advisory and investor protection

Programme of the Italian National Association of Financial Advisors dedicated to advice and the protection of savers.

Continuing education

Up to date, every year

Qualifications are not a finish line but a commitment: regulations change, markets change, the tools protecting creditors evolve. Mandatory MiFID II training and the EFPA and ANASF programmes ensure that every piece of advice rests on current rules and practice.

Discover the method

The certifications in Paolo Manganello's office

Where I work

Practice in Bern, clients on four continents

Consultations in person in Bern or remotely, with secure document exchange and availability across time zones.

Switzerland

Office: Bundesgasse 26, 3011 Bern. By appointment.

Italy

The main market: debt recovery, analysis and agreements under Italian law, with partner lawyers on the ground.

Europe

Cross-border receivables and clients in other EU countries: European procedures and a network of correspondents.

Canada and the United States

Assistance to Italians abroad and to North American companies with receivables from Italian and European counterparties.

Contact

Let's talk about your situation, no strings attached.

A confidential first conversation to understand the position and identify the most concrete way forward. Reply within one business day.

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