Cybersecurity & Modern Workplace due to Covid 19
October 21, 2020
CEO Panel
January 20, 2021

With the current OFAC landscape as well as the increasing risk imposed by the complexities of recent sanctions, experts from the banking industry and attorneys will discuss OFAC, including an update on recent changes to several OFAC sanctions programs as well as the banking industry best practices. This is a must-attend event for compliance officers, risk management professionals, attorneys, and account officers in today’s sanctions heavy environment. This panel will discuss, among other things:

  • The general prohibitions imposed by sanctions enforced and administered by OFAC, including an update on recent Venezuela and Cuba-related sanctions;
  • Recurring issues and best practices when effecting due diligence or evaluating whether certain transactions are subject to these sanctions;
  • Risk-based, responsive measures that financial institutions may consider when implementing controls to mitigate the risks presented by these sanctions
  • Potential impact to the sanctions landscape as a result of the Presidential elections.

Join us for this interactive panel discussion on:

Date: November 18, 2020
Time: 9:00 am

Event Registration Fee:
SFBI Members: Free
Non-Members: $25.00

Zoom Webinar

Presenting Sponsor


Andres (Andy) Fernandez, Esq.
Partner, Holland & Knight

Andres “Andy” Fernandezis a partner in Holland & Knight’s Miami office, co-leader of the firm’s Financial Services Regulatory Team, and leader of the firm’s Cuba Action Team. He practices in the area of banking law and financial services, with a focus on licensing, regulatory and compliance matters. With an emphasis on issues pertaining to the Bank Secrecy Act (BSA), anti-money laundering (AML) and Office of Foreign Assets Control (OFAC), including recent sanctions issued under the Magnitsky Act, Mr. Fernandez counsels a broad range of clients such as domestic community banks, foreign banks, broker dealers and money service businesses (including virtual/digital currency). His fluency in Spanish helps clients in the United States as well as Central and South America.

Mr. Fernandez has represented financial institutions in such diverse matters as the establishment of U.S. offices and branches of foreign banks, the de novoformation of financial institutions, the resolution of regulatory enforcement actions against financial institutions, the representation of financial institutions before various regulatory or enforcement agencies as well as the resolution of potential civil and criminal monetary penalties, fines and forfeitures before U.S. regulators (Federal Reserve, OCC, FDIC, FINRA and the SEC), FinCEN, OFAC and the U.S. Department of Justice.

He began his legal career as a public defender in Miami-Dade County, Florida, where he tried numerous jury trials to verdict. With this background, he was able to expand his practice into areas of commercial litigation at a boutique law firm, and then rise as the co-chair of the banking and financial services practice at another Florida-based law firm. Beyond his active legal practice, Mr. Fernandez is an avid public speaker at regional and international banking conferences and training seminars. He also serves as an adjunct professor at the Florida International University College of Law teaching a course on BSA, AML and OFAC.


Patricia Hernandez, Esq.
Partner, Avila, Rodriguez, Hernandez, Mena & Ferri LLP

A founding partner of ARHMF, Patricia M. Hernandez focuses on corporate and financial services, particularly in counseling businesses, including banks and financial services companies, in varied legal issues. Ms. Hernandez has extensive experience in representing domestic and international financial institutions and other financial businesses in all aspects of regulatory, compliance, lending, mergers and acquisitions, and other transactional matters.

Ms. Hernandez regularly represents clients before the Office of the Comptroller of the Currency (OCC), the Federal Reserve, the FDIC, the Florida Office of Financial Regulation and other regulatory agencies and assists banks in negotiating and complying with enforcement actions. She has extensive knowledge in privacy and compliance with the requirements of the Gramm-Leach-Bliley Act and has achieved specific knowledge in lending transactions, including asset-backed, trade-finance, factoring and Ex-Im Bank financing. She also has extensive practice in counseling U.S. and foreign clients on the effects of Regulations of the Office of Foreign Assets Control (OFAC) regarding Cuba and other embargoes. For the last three years, Ms. Hernandez has served as General Counsel to the Florida International Bankers Association. She also serves on the Banking Law Advisory Panel for the ALI-CLE of the American Law Institute, as well as a Board Member of the South Florida Banking Institute.

Ms. Hernandez has exceptional experience in other general corporate matters, including acquisitions, formation of entities and review and preparation of contracts for all types of transactions. She regularly counsels foreign businesses who wish to launch their products and services in the U.S.

Harry Cupp
Compliance Officer
Banco de Bogota, S.A., Miami Agency/NY Agency

Mr. Harry Cupp has more than 10 years of experience in BSA/AML/OFAC and regulatory compliance. Mr. Cupp is responsible for the many aspects of BSA/AML/OFAC and the regulatory compliance program at Banco de Bogota. Previously, he served as Compliance Manager at a U.S. Branch of a foreign financial institution for 5 years where he was also responsible for managing the all BSA/AML and OFAC matters.

Caroll Khabbaz
VP, International Compliance Manager
Banesco, USA

Ms. Khabbaz is currently the Regulatory Unit Head of the International Compliance Division at Banesco, USA. She is also the coordinator of the Multinational BSA Officers Committee and a member of the Multinational Committee of Legal Counsels of Banesco in different countries including USA, Venezuela, Spain, Panama, Puerto Rico, Dominican Republic and Curacao. In Venezuela, her country of origin, Ms. Khabbaz was Vice President / Legal Counsel of Corporate Legal Services of Banesco Venezuela, a universal private bank ranked # 1 in Venezuela, responsible for consumer and corporate banking in the country. In addition, Ms. Khabbaz was a postgraduate professor for Commercial Law at the Faculty of Law and Political Science of the Central University of Venezuela.

Ms. Khabbaz has a bachelor’s degree in Law from Andres Bello Catholic University “UCAB” and a master’s degree in Law in International Banking Law from Boston University.

Special Thanks to Our Sponsors

Sponsorship Levels

Webinar Sponsor : 24By7Security, Inc.

Webinar Sponsor : Compuquip Cybersecurity