Gabriel Caballero, Partner, Holland & Knight LLP

Gabriel Caballero is a partner in Holland & Knight’s Miami office and member of the firm’s Financial Services practice group. Mr. Caballero concentrates his practice on the representation of domestic and multinational organizations (including banks, broker dealers, money services businesses, other financial institutions, investment companies, fund managers and private equity groups) on a broad range of business, licensing, regulatory and compliance matters. Prior to joining the firm, he served as an associate general counsel for the U.S. private banking subsidiary of one of the world’s largest banks (as measured by market capitalization).

He regularly advises clients on issues relating to the Bank Secrecy Act (BSA), anti-money laundering, Office of Foreign Assets Control (OFAC), the Foreign Account Tax Compliance Act (FATCA), financial privacy, consumer protection, virtual/digital currencies (including Bitcoin), and enforcement actions by various federal and state regulatory authorities (e.g., the Federal Reserve, OCC, FDIC, CFPB, OFAC, FINRA, SEC and the Florida Office of Financial Regulation). Mr. Caballero has also counseled lenders and borrowers on issues relating to commercial lending, private banking, secured transactions, creditors’ rights, letters of credit and negotiable instruments.

Daniel Gutierrez, Vice President & Regulatory Risk Manager, Ocean Bank

Daniel Gutierrez is a Vice President, Regulatory Risk Manager with Ocean Bank since August, 2008.

Mr. Gutierrez has been a key part of Ocean Bank’s BSA Management team which enabled the Bank to get off the deferred prosecution agreement and Consent Order, as well as enhancing and strengthening its BSA Program.

Prior to his employment at Ocean Bank (and since 2001), Mr. Gutierrez has worked in other large Financial Institutions in Miami (including: Standard Chartered Bank, American Express Bank International, Banco de Credito de Inversiones and The International Bank of Miami, N.A.) in various BSA/AML/OFAC capacities including Managerial and supervisory positions.

His background and experience in BSA is focused on leading BSA teams to complete: Bank-wide risk assessments, Foreign Correspondent Banking reviews, PEP, PIC/IBC, 314(a), 314 (b) and subpoena and High Risk reviews, OFAC/AML investigations, and other anti-money laundering and regulatory compliance matters including providing training courses.

In his capacity as BSA Manager, Mr. Gutierrez has managed complex cases involving a wide range of clients from local to wealth management international portfolios including small privately owned companies to large multinational entities located in the United States, Mexico, Central America, South America and the Caribbean.

Mr. Gutierrez has extensive experience in anti-money laundering, USA PATRIOT Act, Bank Secrecy Act, Office of Foreign Assets Control (OFAC), and compliance matters. He currently speaks and provides frequent trainings on these before Government Officials, Local and International professionals as well as academic audiences.

Mr. Gutierrez is currently the Chair for the BSA/AML Committee for FIBA, he is a Certified Professional in AML (FIBA/ Florida International University Certification); and a Certified Anti-Money Laundering Specialist (CAMS).

Javier Alvarez, Partner, ARHMF LLP

Javier A. Alvarez is a partner in ARHMF’s Corporate and Financial Services Group. His practice focuses on the representation of financial institutions and corporate clients in transaction and regulatory matters. In particular, Mr. Alvarez represents clients in complex domestic and international mergers and acquisitions , finance transactions, joint ventures, and other cross-border and domestic transactions. Mr. Alvarez also regularly advises clients on a broad range of regulatory, compliance and corporate governance matters.

Before joining ARHMF, Mr. Alvarez served as Vice President, Assistant General Counsel for local financial institutions, providing corporate and banking regulatory advice, and serving as lead counsel in various types of financing transactions. Mr. Alvarez began his career working for several years as an associate at an AmLaw 100 international firm where he worked on a number of cross-border and domestic transactions.