Cyber Awareness
October 16, 2019
CEO Panel
January 15, 2020

With yet another executive order issued in August 2019 and additional OFAC FAQs, experts from the banking industry and attorneys meet to discuss the update on sanctions as well as banking industry best practices to deal with Venezuelan risks. This is a must attend event for compliance officers, risk management professionals, attorneys, and account officers whose institutions or clients maintain direct or indirect exposure to Venezuela. This panel will discuss, among other things:

  • The general prohibitions imposed by the Venezuela-related sanctions enforced and administered by OFAC;
  • Recurring issues and best practices when effecting due diligence or evaluating whether certain transactions are subject to these sanctions; and
  • Risk-based, responsive measures that financial institutions may consider when implementing controls to mitigate the risks presented by these sanctions.

Date: November 20, 2019
Time: 6:30 pm – 8:00 pm
Cocktail Hour: 5:30 pm – 6:30 pm

Miami Airport Hilton
5101 Blue Lagoon Drive
Miami, FL 33126

Early registration on or before 11/19/19 at 5:00 pm:

Member $75.00
Non-Member $125.00

At Door Registration:

Member $110.00
Non-Member $160.00

Presenting Sponsor


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 threeyears, 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.


Andres Fernandez, Esq.
Partner, Holland & Knight

Andres “Andy” Fernandez is 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 novo formation 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.

Mariola Triana Sanchez, Esq.
General Counsel
Amerant Bank, N.A.

Mariola Triana Sanchez serves as General Counsel of Amerant Bank, N.A., (formerly known as Mercantil Bank, N.A.), headquartered in Coral Gables, Florida. Sanchez also advises Amerant Bank’s subsidiaries, Amerant Investments, Inc. and Amerant Trust, N.A. Amerant provides individuals and businesses in the U.S., as well as select international clients, with deposit, credit and wealth management services. The Bank, which has operated for almost 40 years, is the largest community bank headquartered in Florida. The Bank operates 23 banking centers – 15 in South Florida and 8 in the Houston, Texas area, as well as a commercial real estate loan production office in New York City and a loan production office recently opened in Dallas, Texas. Sanchez is responsible for overseeing the legal affairs of Amerant to protect the organization in situations of significant risk. Sanchez has been practicing law for more than 20 years most of which have been as in-house counsel for financial institutions managing and overseeing legal issues and advising management on legal risks. Prior to joining Amerant in 2007, she served as Associate General Counsel at Regions Bank (formerly Union Planters Bank). Active in the community, Sanchez also serves as a Director of the Board of Voices For Children Foundation, Inc. an organization dedicated to raising funds to ensure that every abused, abandoned and neglected child in Miami-Dade County has a court-appointed Guardian ad Litem (GAL) and that financial assistance and other resources are available for their health, educational, and social needs.

Caroll Khabbaz, Esq
VP, International Compliance Manager
Banesco USA

Caroll Khabbaz is the Regulatory Unit Head and also the coordinator of the Multinational BSA Officers Committee and member of the Multinational Committee of Legal Counsels of Banesco in different countries, i.e. USA, Venezuela, Spain, Panama, Puerto Rico, Dominican Republic and Curacao. In Venezuela her country of origin, she was the Vice-president Legal Counsel of Corporate Legal Services of Banesco Venezuela which is a universal private bank ranked # 1 in Venezuela. She attended consumer and corporate banking in the country at this private bank. In addition, she was a postgraduate professor for Commercial Law at the Faculty of Law and Political Science of the Central University of Venezuela. Khabbaz has a Bachelor’s Degree in Law from Andres Bello Catholic University “UCAB” and also a Master’s Degree in Law in International Banking Law from Boston University.

Special Thanks to Our Sponsors

Sponsorship Levels

Gold Sponsor : Bridge Event Productions

Silver Sponsor : The Hotaling Group