Ms. Patricia M. Hernandez has been a Director of Banesco USA since November 2018. Ms. Hernandez is a founding partner of Miami based law firm ARHMF, where she 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, making her a valued addition to the Bank’s Board of Directors. Through her years of law practice, Patricia has achieved 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 embargoed markets. Additionally, for the last three years, she has served as General Counsel to the Florida International Bankers Association. Ms. Hernandez was a Partner in the Miami, Florida office of Holland & Knight LLP. She specializes in Business Law. 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 is a graduate of the University of Miami School of Law and personifies the community.