Senior Management
Francisco Ernesto Sierra Fábrega
Executive Vice President and General Manager
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., General de Seguros, S.A. and of the Panama Canal Authority. 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 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).
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
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
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.
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 General de Seguros, 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).
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
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.
Eduardo Antonio Dominguez Osorio
Excutive Vicepresident of Finance and Operations
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.
Michelle Nuñez Olivares
Executive Vice President of Treasury, Wealth Management and Investment Banking
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).
Vice-Presidents
| Dayra de Saval | Operations |
| Delly de Yinh | Product Development |
| Eduardo de Oliveira | Risk Management |
| Eliseo Sánchez-Lucca | International Banking |
| Gary Chong Hon | Investment Banking and Trusts |
| Ginny de Hoyos | Marketing and Corporate Image |
| Giselle de Brostella | Consumer Banking |
| Graciela de Chen | Finance Support |
| Jean Paul Clement | Treasury and Investments |
| José Alberto Humbert | Business Segments |
| Leonidas Anzola | Technology |
| 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 María Bonilla | Legal Counsel |
| Ana Melissa 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 – Monitoring |
| Eduardo Terán | Analytics Center |
| 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 – Regulatory and Subsidiaries |
| Jacqueline De Roux | Corporate Banking – Interim Financing |
| Jacqueline Souter | Marketing – Corporate Communications and Social Development |
| Janina Chen | Finance Support |
| 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 |
| Laura Rodríguez | Operations – Document Management and Services |
| Leonardo Varela | Information Technology – Digital Transformation |
| 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 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 |
| Melissa de García de Paredes | Marketing |
| Mercedes Boyd | Operations – Credit Cards, Checks and ACH |
| Michelle Pich | Preferential Banking |
| Michelle Ramsauer | Architecture and Engineering |
| Miguel Ángel Silva | Information Technology – Management and Control |
| Nora Malca | Technology |
| 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 de Quijada | Planning – Information Management |
| 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
| Executive Vice President and General Manager | |
| Michelle Nuñez | |
| Vicepresidents | |
| Carlos Samaniego | Business |
| Camilo Soto | Business – International |
| María de los Ángeles de De Obaldía | Business – International |
| Assistant Vicepresidents | |
| Anabella de Lince | Asset Management |
| Carlos Henríquez | Asset Management |
| Gina de Bruno | Asset Management |
| Manuel Alemán | Asset Management |
| Gabriel Fernández | Asset Management |
| Roberto Eduardo Arango | Asset Management |
| Armando Palacios | Transformation and Data |
| Rocío Narbona | Business Management and Support |
Directory / General de Seguros
| Vice-President and General Manager |
| Roberto Alfaro |
Directory / ProFuturo
| Vicepresident and General Manager | |
| Raúl García de Paredes | |
| Vicepresidents | |
| Jorge Mesa | Business |
Directory / Vale General
| Comercial Manager |
| Janette Heras |
Directory / Yappy, S.A.
| Commercial Director |
| Yolianna Alfaro |
Directory / Banco General
Francisco Ernesto Sierra Fábrega
Executive Vice President and General Manager
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., General de Seguros, S.A. and of the Panama Canal Authority. 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 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).
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.
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 General de Seguros, 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).
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.
Eduardo Antonio Dominguez Osorio
Excutive Vicepresident of Finance and Operations
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.
Michelle Nuñez Olivares
Executive Vice President and General Manager 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).
Vice-Presidents
Dayra de Saval
Operations
Delly de Yinh
Product Development
Eduardo de Oliveira
Risk Management
Eliseo Sánchez-Lucca
International Banking
Gary Chong Hon
Investment Banking and Trusts
Ginny de Hoyos
Marketing and Corporate Image
Giselle de Brostella
Consumer Banking
Graciela de Chen
Finance Support
Jean Paul Clement
Treasury and Investments
José Alberto Humbert
Business Segments
Leonidas Anzola
Technology
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
Ana Cristina Rubinoff
Compliance – Normative and Analytical
Ana María Bonilla
Legal Counsel
Ana Melissa 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 – Monitoring
Eduardo Terán
Analytics Center
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 – Regulatory and Subsidiaries
Jacqueline De Roux
Corporate Banking – Interim Financing
Jacqueline Souter
Marketing – Corporate Communications and Social Development
Janina Chen
Finance Support
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
Laura Rodríguez
Operations – Document Management and Services
Leonardo Varela
Information Technology – Digital Transformation
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 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
Melissa de García de Paredes
Marketing
Mercedes Boyd
Operations – Credit Cards, Checks and ACH
Michelle Pich
Preferential Banking
Michelle Ramsauer
Architecture and Engineering
Miguel Ángel Silva
Information Technology – Management and Control
Nora Malca
Technology
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 de Quijada
Planning – Information Management
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
Vicepresidents
Carlos Samaniego
Business
Camilo Soto
Business – International
María de los Ángeles de De Obaldía
Business – International
Assistant Vicepresidents
Anabella de Lince
Asset Banking
Carlos Henríquez
Asset Banking
Gina de Bruno
Asset Banking
Manuel Alemán
Asset Banking
Gabriel Fernández
Asset Management
Gabriel Fernández
Asset Banking
Roberto Eduardo Arango
Transformation and Data
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
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