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Now more than ever an institution’s leader is more important than ever. The pandemic, potentially troubled loans on the horizon, working through liquidity issues, lending or investing in this environment is the challenge of the century. What are the challenges, strategies, efforts, and thinking that will bring our institutions out of these unprecedented times? Join us to explore these and other issues affecting our institutions and hear what our local CEOs and leaders have to say on current issues impacting our institutions, as well as the local economy.

Join us for this interactive panel discussion on:

Date: January 20, 2021
Time: 9:00 am

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

Zoom Webinar

Presenting Sponsor


S. Marhsall Martin, CPA, ESQ.
Amerant Mortgage, LLC, Executive Vice President, General Counsel

Marshall has over twenty-nine (29) years of substantial real estate, bank regulatory compliance/risk management, finance, accounting, and legal experience. In partnership with Amerant Bank, Marshall and a team of seasoned mortgage banking executives formed Amerant Mortgage, LLC, in order to provide the market place a differentiated mortgage experience. Marshall spent nearly 12 years at City National Bank of Florida. At City National, Marshall was in charge of the legal affairs of the bank and until February 2017 he also had responsibility for all non-credit risk, including BSA/AML/OFAC, privacy, information/cyber security, fraud, CRA, regulatory compliance, etc. In addition, his responsibilities included corporate governance, leadership, strategy development, and management of regulatory relations. Prior to joining City National Bank, Marshall served in Wachovia’s Legal Division and went on to lead over 100 FTE managing Wachovia Bank’s CIP & High Risk Customers for the General Bank, consultant in KPMG’s Chicago office on bank/thrift regulatory matters (including M&A filings), served as general counsel/compliance officer of a multi-state/country MSB, and was an assistant bank examiner with the FDIC.

Marshall holds a Juris Doctorate from the University of Illinois, a CPA certificate, and dual undergraduate degrees in finance and international business from Florida International University (“FIU”). Marshall is adjunct professor at the FIU Law School teaching banking and finance law/regulation. He has served on the advisory board for the Florida International Bankers Association’s AML Compliance conference, the task force for the ACAMS AML & Financial Crime Conference, and was Co-Chair of ACAMS South Florida Chapter. Marshall served on the Florida Banker’s Government Relations Committee for several years, and currently serves on FIU President’s Counsel, South Florida Banking Institute’s Board of Directors (2020 President Elect), the United Way’s Legal Cabinet, and is a frequent speaker both domestically and internationally.


Ginger Martin
President & CEO, American National Bank

Ms. Martin has served as President and Chief Executive Officer of American National Bank since 2008. Prior to that, she served as the bank’s Chief Financial Officer and Chief Operating Officer since 1997. In addition, Ms. Martin has served on the bank’s Board of Directors since 2007. American National Bank is proud to be one of Ms. Martin currently serves as a Director of the Florida Bankers Association’s (FBA) School of Banking, FBA’s BancServ, and on the board of the Executives Association of Fort Lauderdale, Extraordinary Women Leading Change and the National Christian Foundation of South Florida. She has previously served on the boards of the FBA, FBA’s Audit Committee, Federal Reserve Bank of Atlanta Nominating Committee, Leadership Broward Foundation as Board Chair, and Taylor’s Closet. As a former foster parent, Ms. Martin served on the board of 4KIDS of South Florida Inc. and was Chairman of the Finance Committee. Ms. Martin is a member of the FBA’s Women in Leadership Committee, Junior Achievement’s Circle of Wise Women, PACE Center for Girls’ PACESetters, South Florida Business Journal’s Influential Women’s Group, Strikeforce 421 Women’s Giving Circle, Freedom Challenge’s Ambassador Team, International Women’s Forum of Florida, and United Way of Broward County’s Tocqueville Society.

Ms. Martin’s passion for fighting against human trafficking has led her on a mountain climbing journey with The Freedom Challenge since 2014. With five climbs under her belt thus far, including a noteworthy climb of Mt. Kilimanjaro, Africa in 2015 and Machu Picchu, Peru in 2017, Ms. Martin has tirelessly raised funds and awareness for the women and children who are victims of human trafficking. As a result, Ms. Martin has been asked to speak to a multitude of different groups throughout South Florida, including a recent TEDx Talk, to tell her story of climbing Mt. Kilimanjaro and the leadership lessons learned along the way.

Ms. Martin earned an MBA from Florida Atlantic University, a BBA in Accounting from the University of Louisiana as a Magna Cum Laude graduate, and is a Certified Public Accountant. Ms. Martin is a graduate of Leadership Broward and Lifework Leadership.

Jose E. Cueto
President & CEO, International Finance Bank

Jose E. Cueto was born in Coral Gables, Florida and attended Belen Jesuit Preparatory High School. He later earned a Bachelor of Arts degree in Business Administration from Florida International University.

Mr. Cueto is the President & Chief Executive Officer of International Finance Bank since May 4, 2015 after having served as the Head of Corporate Banking at FirstBank, Puerto Rico from 2012-2015.

From 2001-2012 Mr. Cueto worked for Caja Madrid where he opened its Miami International Banking Agency and eventually grew it to more than $3 billion in assets and held various positions in the Organization including Deputy General Manager & Chief Financial Officer and later Head of Corporate Banking, Capital Markets and Project Finance. He was a member of the City National Bank acquisition team and later served as a Director.

Mr. Cueto began his banking career 31 years ago at Republic National Bank of Miami and later worked for First Union, Capital Bank, Banco Real and Bank Leumi.

Recognized for his contributions, Cueto received the South Florida Business Journal’s “Lender of the Year” award in 2013, the US-Spain Chamber of Commerce’s 2014 Ponce de Leon Excellence Award, the Florida Bankers Association 2016 Horizon Award, and the South Florida Council Boy Scouts of AmericaHispanic Heritage Award in 2018. In 2019, he was recognized as one of the Power Leaders in Banking by the South Florida Business Journal, and was featured as The Achiever in Miami Today. He was also recently featured on the cover of Florida Banking Magazine.

Engaged in activities outside of the bank, Cueto presently serves on the Orange Bowl Committee as a board member and is president-elect of the South Florida Banking Institute. He is also president-elect of the Center for Financial Training and a member of the Board of Directors of the Florida Bankers Association (FBA). Cueto also serves on the FBA BankPac Board of Directors and sits on the UM Citizens Board, as well as on the Board of Directors for the Sebastian Strong Foundation.

Carlos R. Fernandez-Guzman 
President & CEO, Pacific National Bank

Carlos R. Fernandez-Guzman serves as a member of the board, President and Chief Executive Officer of Pacific National Bank (PNB).

A well-respected banking veteran and community leader, Fernandez-Guzman has close to 44 years private sector and banking industry experience. Prior to joining PNB, he was the Senior Executive Vice President – Neighborhood Banking Group at BankUnited. Mr. Fernandez-Guzman has held C-Level positions or executive management positions at Riverdale Farms, Inc. , XTec, Inc. , CTI, American Savings of Florida, F.S.B., Consolidated Bank, N.A., and Southeast Bank, N.A. where he began his banking career.

Fernandez-Guzman served as Chair of the Greater Miami Chamber of Commerce (2008-2009), has co-chaired FIU’s Master of Science in Finance Advisory Board, and chaired the United Home Care Services Board, as well as served and chaired several other community organization Boards and committees. He is the immediate past Chair of the Board of Trustees of Chapman Partnership, Greater Miami Chamber of Commerce Housing Committee, serves on the Federal Reserve Bank of Atlanta Community Depository Institutions Advisory Committee, is Vice Chair of the Miami Dade College Foundation Board, the Board of the Center for Financial Training, and concluded his term as an appointee of the Honorable Governor Rick Scott to the Miami-Dade Expressway Authority where he served as Treasurer, Executive Committee Member and Member of the Board of Directors. In 2012 the Ronald McDonald House Charities Award Committee selected him as one of its “Twelve Good Men”, he is a recipient of the 2007 Leadership Miami Salute to Miami’s Leaders Award in Finance, a member of the Greater Miami Chamber’s President’s Club Hall of Fame, a recipient of the Chapman Partnership Alvah H. Chapman Humanitarian Award, and was inducted to the Miami Dade College Hall of Fame. He has been married to Mari for 44 years, is the proud father of three, and grandfather of six.

Charles W. Brinkley, Jr.
Regional President Florida, First National Bankers Bank

Charlie W. Brinkley, Jr. is currently the Florida Market President for First National Bankers Bank, in Lake Mary, FL, with headquarters in Baton Rouge, LA. He was previously the Chairman/CEO of Floridian Financial Group, Inc., the holding company for Floridian Bank and Orange Bank of Florida. Previously, Mr. Brinkley was the Chairman of Fifth Third Bank in Central Florida, and prior to the sale to Fifth Third Bank, he was the Chairman/CEO of Southern Community Bancorp (SCB), Orlando, Florida. SCB was the fastest growing bank in the history of Florida to reach the $1 billion mark.

The Greater Seminole County Chamber of Commerce named Southern Bank it’s Small Business of the Year in 1989, and Charlie Brinkley it’s Small Business Person of the Year in 1994.

Mr. Brinkley holds a bachelors degree in Marketing from The University of Tennessee (UT). He is currently serving on the Seminole County Sheriff Foundation, which supports law enforcement and their families. He has remained very active at UT by serving on the Development Council, the Board of the Athletic Department, and the Board of Governors. He is the 1998 past president of the Florida Banker’s Association, and was chosen Banker of the Year in 1999 by the Association. Mr. Brinkley has two daughters, and ten grandchildren.

Special Thanks to Our Sponsors

Sponsorship Levels

Webinar Sponsor : First National Bankers Bank

Webinar Sponsor : Compuquip Cybersecurity

Webinar Sponsor : 24By7Security, Inc.