Mr. David Edward Hernandez served as Chief Risk & Corporate Governance Officer of Great Florida Bank, heading internal audit, risk management, BSA and compliance. Mr. Hernandez has over 27 years in the financial services industry. Prior to joining the Bank, he served as Vice President of risk management, internal audit, legal, insurance, and compliance for VisionCare Holding LLC. Mr. Hernandez held senior management position with Protiviti Risk Consulting heading their Financial Services Division for Florida and previously held senior positions in operations and risk management for Sumitomo Mitsui Banking Corp. in New York. Mr. David Hernandez serves as Chief Risk Officer at BAC Florida Bank. He served as Vice President for the institute of Internal auditors for the Miami chapter. He served as an Executive Operations Officer of Great Florida Bank since April 2007 and served as its Head of Risk Management. Mr. Hernandez formerly served on the Board of Directors of the Florida International Bankers Association. He holds a Bachelor of Science degree in Business Administration from Pace University.