Cyber Security
October 18, 2017
CEO Panel 2018
January 17, 2018

Regulatory relief, accounting changes, corporate tax cuts, opportunities in the capital markets and developments across the financial landscape are driving key strategic and balance sheet decisions for banks. Please join the SFBI, as we present our CFO Symposium, addressing how banks can best position themselves to address these issues, achieve their strategic objectives, and meet their earnings expectations for the remainder of 2017 and beyond.

Date: November 15, 2017
Time: 5:30 pm – 8:00 pm
Cocktail Hour:  5:30 pm – 6:30 pm

Miami Airport Hilton
5102 Blue Lagoon Drive
Miami, FL 33126

Early registration on or before 11/13/17 at 5:00 pm:

  • Member $65.00
  • Non-Member $125.00

At Door Registration:

  • Member $100.00
  • Non-Member $160.00

Presenting Sponsor


Scott Hildenbrand
Principal and Chief Balance Sheet Strategist, Sandler O’Neill + Partners, L.P. 
Scott Hildenbrand is a Principal and Chief Balance Sheet Strategist of Sandler O’Neill + Partners, L.P. He heads the Balance Sheet Analysis and Strategy group, working with financial institutions on balance sheet strategy development, which includes interest rate risk management, investment portfolio strategy, retail and wholesale funding management, derivative strategy, capital planning, budgeting, and
stress testing. Mr. Hildenbrand also works closely with the firm’s Investment Banking Group to identify and develop strategic opportunities for clients involved in mergers and acquisitions.

Mr. Hildenbrand previously worked in Sandler O’Neill’s Interest Rate Products Group, focusing on developing and implementing derivative and structured wholesale funding strategies for financial institutions. He spent his first four years at the firm in the asset/liability management group. Prior to joining Sandler O’Neill in 2004, Mr. Hildenbrand worked as a financial analyst in asset/liability management at Tower Federal Credit Union in Maryland.

Mr. Hildenbrand is a frequent speaker at industry conferences and seminars. He holds a Master of Business Administration in Finance from Loyola College in Maryland and a Bachelor of Arts with a concentration in Accounting and Finance from Gettysburg College. Mr. Hildenbrand serves as Treasurer on the Board of Directors for Liam’s Room, a not-for- profit organization that focuses on pediatric palliative care, a specialized approach to medical care for children with serious illnesses.

Will Bermudez
SVP / CFO, Pacific National Bank
Mr. Bermudez is the Chief Financial Officer of Pacific National Bank with more than 20 years experience in the banking industry, gained through his association with Money Center banks, foreign banks, as well as community banks in South Florida. At Pacific National Bank, he oversees and directs all significant aspects of accounting, investments, treasury, and financial and regulatory reporting. Prior to Pacific National, he served as Senior Vice President of Finance for Sun American Bank, a publicly traded South Florida community bank. Additional positions in South Florida were previously held with Royal Bank of Canada as Chief Financial Officer for the US division of Global Private Banking and with Standard Chartered Bank as Business Finance Manager for Latin America. Before relocating to Florida, Mr. Bermudez began his banking career with Chase Manhattan Bank in New York City assuming various responsibilities within the Corporate Controllership division of that bank. Mr. Bermudez earned his degrees from Hofstra University with a BS in Accounting and an MBA with a concentration in Banking and Finance. Will is a CPA licensed in the State of Florida.

Stan Rubin
Executive Vice President – Chief Financial Officer & Chief Risk Officer Ocean Bank
Stan Rubin joined Ocean Bank as Executive Vice President and Chief Financial Officer in March 2010, adding the Chief Risk Officer role in 2011. Ocean Bank is the largest independent state chartered commercial bank headquartered in Florida.

Ocean Bank has transformed itself significantly during the past seven years; reducing non-performing assets from 14% of total assets to less than 1%, recognizing 25 consecutive profitable quarters after multiple-year losses, and doubling regulatory capital. This resulted in the Bank’s regulators terminating a Cease & Desist/Consent Order in effect since 2007 and BauerFinancial upgrading the Bank’s rating from zero stars to five stars.

Prior to joining Ocean Bank, Rubin was a Senior Vice President and Chief Financial Officer of Citibank/Citigroup’s Central American Region. In addition, he held various other CFO, Controller, Compliance, and Internal Control positions during his 20-plus-
year career at Citi. His tenure with Citi included positions based outside the US; in Europe, Asia, Canada, Central America, and South America.

Rubin also served as the CFO of American Express’s Japan/Asia Pacific/Australia Region, and spent the first 9 years of his career with PricewaterhouseCoopers (Coopers), working in both the Miami general practice office and the firm’s National Accounting & Auditing Directorate in New York.

Rubin is also chairman of the advisory board of the Village of Allapattah YMCA Family Center and Preschool.


Frank Gonzalez
Managing Principal, MBAF
Frank Gonzalez, CPA*, CFF, is the principal-in-charge of the Audit Department at MBAF, and leads the firm’s Financial Institutions and SEC practices. As principal-in-charge of the Audit Department, Frank has full oversight of the firm’s audit practice in all offices, including the execution of processes and quality control, maintaining the department’s standards, and ensuring the use of best practices among his team.

Frank provides audit, business consulting, litigation support, and SEC compliance services to organizations in a wide range of industries including real estate, financial institutions (community banking, international banking, investment funds). manufacturing, technology, and telecommunications.


Directing the firm’s work with community banks, international banks/agencies, and mortgage companies, Frank is highly experienced in the rigorous regulatory and compliance standards applied to the industry, and works with both domestic and international banking organizations. He has experience in performing audits and advisory services to banks ranging in size from billion dollar multi-nationals to de novo (start-up) institutions.


Frank works hand-in-hand with clients to accomplish financial and operational objectives through initial and secondary public offerings, capital formation, and mergers and acquisitions. Frank is skilled in first-time through audit engagements, and in providing audit and business advisory services to many national and international public (SEC) and privately held companies.

Special Thanks to Our Sponsors

Sponsorship Level

Sponsor: Crowe Horwath

Sponsor: MBAF

Sponsor: Sandler O’Neill + Partners