Directory / Banco General

Francisco Ernesto Sierra Fábrega
Executive Vice President and CEO

Nationality: Panamanian
Date of birth: September 10, 1964
Commercial Address: Torre Banco General – Piso E2
P.O. Box 0816-00843, Panamá, República de Panamá

Graduated with a Business Administration Degree from Georgetown University, Washington, D.C., United States, and received a Master’s Degree in Business Administration from University of Texas, Austin, Texas, United States. He is currently Executive Vice President and General Manager, Chairman of the Board of Directors of BG Valores, S.A. and ProFuturo – Administradora de Fondos de Pensiones y Cesantías, S.A. and Director of Banco General, S.A., Fondo General de Inversiones, Vale General, S.A., BG Investment Co., Inc., Banco General Costa Rica, S.A., Promarina, S.A., and General de Seguros, S.A. He was advisor to the Investment Grade Commission of the Republic of Panama (July 2009- August 2011) and the Advisory Commission of the Sovereign Fund of the Republic of Panama (2012). He was Director of the Panama Canal Authority (2016-2025). He was Minister Counselor of the President of the Republic of Panama (Ad honorem) and Member of the Council of Foreign Relations, with a hierarchy of Ambassador Extraordinary and Plenipotentiary (Ad honorem) (2015-2019).

Eduardo Antonio Dominguez Osorio
Executive Vicepresident and Deputy CEO

Nationality: Panamanian
Date of birth: June 10, 1973
Commercial Address: Torre Banco General, E2 floor
P.O. Box 0816-00843, Panamá, República de Panamá

Graduated in Industrial and Administrative Engineering from Universidad Santa María la Antigua, in Panama, Republic of Panama, and received a Master´s Degree in of Business Administration (MBA) from the University of Notre Dame, South Bend, Indiana, USA. He was Vice President of Financial Operations, Planning and Finance at Banco General; He was Director and President of the Latin American Securities Central (LATINCLEAR) and Director of Latinex Holdings; and was President of the Swift Users Commission of Panama.

Executive Vice-Presidents

Federico Albert Garaizabal
Executive Vice President of International Banking

Nationality: Spanish
Date of birth: November 19, 1966
Commercial address: Torre Banco General, piso 18 P.O. Box 0816-00843, Panamá, República de Panamá
E-mail: juntadirectiva@bgeneral.com

Graduated in Business Studies from the University College of Financial Studies (CUNEF), in Madrid, Spain. Former Executive Vice President and General Manager of Corporación Banex in Costa Rica, Former Vice President of Finance of Pribanco (Primer Banco de Ahorros), Former Vice President of Banking for Investment in Banistmo, Former Treasurer of the Banking Association of Costa Rica (2002-2005), Former Director of the Stock Exchange of Panama (2001-2004 and 2008-2017), Former Director of Northeast Electric Distribution Company and Former Director of Latinex Holdings, Inc.

Makelín Arias Boyd
Executive Vice President of Human Capital and Corporate Services

Nationality: Panamanian
Date of birth: March 29, 1965
Commercial address: Centro Operativo Banco General, Urbanización Metro Park, Ciudad Radial. P.O. Box 0816-00843, Panamá, República de Panamá
E-mail: juntadirectiva@bgeneral.com

Graduated with an Economics and Finance Degree from Boston College, Massachusetts, United States. Former Manager of Copa Courier, former Purchasing Manager and former Human Resources Director of Copa Airlines. Former Vice President of Projects and Processes and Former Vice President of Human Resources and Administration of Banco Continental de Panamá, S. A.

José Alberto Humbert Arias
Executive Vice President of Business Segments, Non-Traditional Channels and Sales

Nationality: Panamanian
Date of birth: January 18, 1972
Commercial Address: Centro Operativo Federico Humbert Azcarraga, Urbanización Metro Park, Ciudad Radial
P.O. Box 0816-00843, Panamá, República de Panamá

Graduated with a Business Administration Degree and a Master’s in Business Administration and Finance from the University of Notre Dame, South Bend, Indiana, United States. Former Vice President of Business Segments and Digital Sales, former Assistant Vice President of Private Banking and Segments, former Consumer Credit Manager, and former Branch Manager of Banco General. He was Director of the Chamber of Commerce, Industries and Agriculture of Panama and currently serves as Director of Empresa General de Inversiones, S.A.

Jean-Pierre Leignadier Dawson
Executive Vice President of Finance, Strategy, and Information

Nationality: Panamanian
Date of birth: November 23, 1971
Commercial address: Torre Banco General, E2 floor
PO Box: 0816-00843, Panama City, Republic of Panama

Graduated in Finance from Villanova University, Pennsylvania, USA and Master’s in Business Administration (MBA) from the University of Notre Dame, South Bend, Indiana, United States. Former Vice President of Investment Banking at Banco General and Executive President and General Manager of Productos de Prestigio, S.A. He currently serves as Director of Fondo de Ahorro de Panamá, Profuturo AFPC, Fondo General de Inversiones and Productos de Prestigio, S.A. Former President of the Chamber of Commerce, Industries and Agriculture of Panama in the period 2020-2021 and former President of EXPOCOMER 2023.

Felipe Edgardo Motta Vallarino
Executive Vice President of Consumer Banking

Nationality: Panamanian
Date of birth: September 28, 1963
Commercial address: Centro Operativo Banco General, Urbanización Metro Park , Ciudad Radial P.O. Box 0816-00843, Panamá, República de Panamá

Graduated with a Business Administration Degree from Drake University, Iowa, United States, and Senior Management Program at INCAE, Costa Rica. Currently he is Director of Vale General, Financial Warehousing of Latin America (FWLA), First Data Central America & Caribbean, Member of the Latin America and Caribbean Senior Client Council of Visa International. Former Director of the Institute of Scientific Research and High Technology Services – INDICASAT, Former Director of the Chamber of Commerce of Panama, Former Chairman of the Board of Directors of Telered, Former Member of the Active Club 20-30 of Panama, Former President of the Telethon 20-30 (1998).

David Muñoz Rey
Executive Vice President of Technology, Transformation, and Operations

Nationality: Spanish
Date of birth: February 17, 1974
Commercial address: Centro Operativo Federico Humbert Azcarraga, Urbanización Metro Park, Ciudad Radial
PO Box: 0816-00843, Panama, Republic of Panama

Graduated in Computer Engineering from the University of Zaragoza, Spain, and studied Business Informatics at the Technological University of Applied Sciences in Würzburg, Germany. He has an extensive leadership and transformation experience in technology, banking operations, and cybersecurity, gained at DMR Consulting Group (now NTT Data), McKinsey & Company, BBVA in Spain and Peru, and Banco Pichincha in Ecuador. Former member of the board of PagueYa, BANRED, TEUNO, and Diners in Ecuador.

Michelle Nuñez Olivares
Executive Vice President and CEO of BG Valores

Nationality: Panamanian
Date of Birth: October 14, 1973
Commercial Address: Plaza Banco General, Mezzanine floor
P.O. Box 0816-00843, Panamá, República de Panamá

Graduated in Industrial Engineering from Purdue University, West Lafayette Indiana, United States, and a Master’s Degree in Business Administration from the University of Louisville, Kentucky, United States. She is currently the General Manager of BG Valores, President of the Board of Directors of Fondo General de Inversiones, Fondo General de Retorno Total and Director of Yappy, S.A., and Petróleos Delta, S.A. Former director of BG Valores, S.A., Central Latinoamericana de Valores (LATINCLEAR), Latinex Holding, S.A. and Empresa de Transmisión Eléctrica, S.A. (ETESA).

Enrique Julio Sosa Fernández
Executive Vice President of Corporate Banking

Nationality Panamanian
Date of birth: February 15, 1968
Commercial address: Torre Banco General – Piso E2 P.O. Box 0816-00843, Panamá, República de Panamá
E-mail: juntadirectiva@bgeneral.com

Graduated in Business Administration from American University, Washington D. C., United States, and Master’s Degree in Financial Administration from Catholic University of America Washington D. C., United States. Former Vice President of Commercial Credit and Former Vice President of Corporate Banking of Banco General, S.A., Former Deputy Manager of Branch Office and Former Credit Officer of Banco Comercial de Panamá.

Delly de Yinh
Executive Vice President of Consumer Products and Branches

Nationality: Panamanian
Date of birth: November, 20, 1972
Commercial Address: Centro Operativo Federico Humbert Azcarraga, Urbanización Metro Park, Ciudad Radial
P.O. Box 0816-00843, Panamá, República de Panamá

Graduated with a Law and Political Science Degree from the University of Panama, holds a Master’s in Business Administration from INCAE, and a specialization in Innovation from the University of California, Berkeley, United States. Former Consumer Business Leader during the mergers and acquisitions processes of Bancomer, Bank Boston, and Banco Continental of Panamá, and former Vice President of Consumer Products at Banco General, S.A. She currently serves as Director of General de Seguros, S.A., Revisiones de Panamá, S.A., ProFuturo, S.A., and as Chairwoman of the Board of Directors of Telered, S.A.

Vice-Presidents

Dayra de Saval
Operations

Eduardo de Oliveira
Risk Management

Eliseo Sánchez-Lucca
International Banking

Gary Chong Hon
Investment Banking and Trusts

Giselle de Brostella
Consumer Banking

Graciela de Chen
Finance Support

Jacqueline Souter
Marketing and Corporate Image

Jean Paul Clement
Treasury and Investments

María Isabel Poveda
Corporate Audit

Nicolle Richa
Corporate Banking and Interim

Raúl Guizado
Security and Compliance

Ricardo Moreno
Consumer Banking – Alternate channels

Roberto Ureña
Commercial Banking

Rosa María de Cassino
Administration

Assistant Vice-Presidents

Abdiel Salas
Consumer Banking – Portfolio Recovery

Aixa Medina
Human Capital – Consultancy and Internal Relations

Alberto Méndez
Corporate Banking – Corporate Accounts

Alejandro Ortega
Investment Banking – Business

Alma Pinilla
Treasury and Investments – Administration, Risk and Treasury Control

Aminta Saldaña
Fundación Sus Buenos Vecinos

Ana Cristina Rubinoff
Compliance – Normative and Analytical

Ana Graciela Narvaez
Marketing and Advertising – Product, Services and Subsidiaries

Ana María Bonilla
Legal Counsel

Ana Isabel Compañy
Marketing and Corporate Image – Design

Ana Melisa Azcárraga
Corporate Banking – Corporate Accounts

Anabel Lay
Corporate Audit

Analisa Alfaro de Castro
Corporate Banking – Interim Financing

Angel Hoo
Corporate Accounting

Arianna Calvo
Digital Transformation – Digital Channels

Bettina De Castro
Administration

Carmen Arosemena
Product Development – Loans

Claudia Escobar de Porcell
Business Segments

Claudia Martínez
Digital Transformation – Digital Products

David Roquebert
Marketing – Digital Operations and Corporate Events

Desmond Alvarado
Treasury and Investments – Credit and Liquidity

Eddy Fortoul
Cybersecurity and Fraud Prevention

Edita Pérez Broce
Compliance – Regulatory Compliance, Correspondent Banking, and Sanctions

Eduardo Terán
Strategic Planning and Transformation – Data, Analytics, and AI

Eneida Rampola
Human Capital – Compensation and Support

Federico Antonio Humbert R.
Product Development – ​​Credit Cards

Florentino Wong Chial
Risk/Retail Banking

Francisco Martin
Information Technology – Architecture and Technological Consulting

Greta Arjona
Corporate Banking – Business Banking

Guillermo Inchausti
Information Technology – Technological Infrastructure

Hugo Villalobos
Compliance – Subsidiaries

Jacqueline De Roux
Corporate Banking – Interim Financing

Jacqueline Souter
Marketing and Corporate Communications

Janina Chen
Finance Support

Jeanpaul Pérez
Information Technology – Management and Control

Jorge Sandoval
Security

José C. Victoria
Planning

José Luis Carrillo
Comprehensive Risk Management

José Manuel Grimaldo
Commercial Banking

Juan José Lam
Technology

Karim Young
Corporate Banking – Corporate Accounts and Free Zone

Karin Stahl
Consumer Banking – Sales and Telemarketing

Karol González
Compliance – Monitoring

Laura Rodríguez
Operations – Document Management and Services

Leonardo Varela
Information Technology – Digital Transformation

Lisbeth Lee
Products – Deposits, Transfers, and Subsidiaries

Lourdes Henríquez
Consumer Banking – Consumer Credit and Processing

Lourdes Valdivieso
Operations – Business and Consumer Credit

Malena Sánchez Galán
Operations – Cash Management

María Antonietta Cassino
Human Capital – Training

María Fernanda Langman
Treasury and Investments – Financial Institutions and ALCO

María Gabriela Porcell
Marketing and Advertising – Payment Solutions

María Gabriela Sierra
Operations – International Operations and Relationship Banking

María Nela Casado
Consumer Banking – Customer Service

Maritza Vallarino
International Banking

Marta Olivo
Operations – Portfolio Management

Mary Julia Rodríguez
Operational Risk

Maureen Richa
General Management

Mercedes Boyd
Operations – Credit Cards, Checks and ACH

Michelle Pich
Preferential Banking

Michelle Ramsauer
Architecture and Engineering

Miguel Ángel Díaz
Information Technology – Engineering Center of Excellence

Nora Malca
Information Technology

Rafael González
Strategic Planning and Transformation

Ramón Suazo
Information Technology – Digital Transformation

Raúl Orillac
Finance

Raúl Preciado
International, Environmental, Social and Reputation Risk.

Ricardo De La Espriella
Local Corporate Risk Analyst

Ricardo Porcell
Commercial Banking

Roger Córdoba
Digital Transformation – Costa Rica and Interfaces

Rosa Achurra
Information Technology – Data Architecture and Governance

Rosa Rodríguez
Planning – Transformation and Robotics

Stavros Costarangos
Business PST

Sue Lin Mann
Digital Transformation – Subsidiaries

Valerie Voloj
Investment Banking and Trusts – Administration

Yairy Chan
Corporate Credit Analyst

Yessamine Afre
Digital Sales

Yoel Chávez
Commercial Banking

Yohara Salinas
Information Technology – Digital Transformation

Directory / BG Valores

Michelle Nuñez
Executive Vice President and General Manager

Vice Presidents

Camilo Soto
Business – International

Carlos Samaniego
Business

María de los Ángeles de De Obaldía
Business

Assistant Vice Presidents

Anabella de Lince
Business – Local

Armando Palacios
Transformation and Data

Carlos Henríquez
Business – Local

Gabriel Fernández
Business – International

Ginna de Bruno
Business – Local

Manuel Alemán
Business – Local

Marjorie de Arguello
Business – Local

Roberto Eduardo Arango
Business – Local

Rocío Narbona
Business Management and Support

Directory / General de Seguros

Vice-President and General Manager
Roberto Alfaro

Directory / ProFuturo

Raúl García de Paredes
Vicepresident and General Manager

Vicepresidents
Jorge Mesa
Business

Directory / Vale General

Comercial Manager
Janette Heras

Directory / Yappy, S.A.

Commercial Director
Yolianna Alfaro