David HernandezChief Risk Officer at BAC Florida Bank
David commenced his banking career in 1978 with Marine Midland Bank in New York City while still attending college. Having completed his Bachelor of Business Administration at Pace University, David entered the executive training program at Marine Midland thus providing him with a solid and wide base of experience. Having initially focused on the treasury side of banking, David held positions as head of Treasury operations and then Lending operations at a number of international banks in New York until he was appointed as Head of Operations for what is today Sumitomo Mitsui Banking Corporation in New York. Originally commencing with Mitsui Bank, the bank during the late eighties and nineties placed in the top two positions globally by asset size. Having spent twelve years at the bank, David eventually assumed the role of Head of Risk Management giving him oversight over treasury risk management, loan review, internal audit, compliance and asset liability management.
Relocating to South Florida, David joined Protiviti, a global consulting company, as the head of the financial services practice for Florida and was the senior “subject matter expert” for the U.S. southeast region in areas such as Anti Money Laundering and Risk Management. In this capacity, David provided risk management, internal audit and compliance consulting services for a number of banks in Florida, as well as New York and Chicago. Later David joined Great Florida Bank as Chief Risk Officer and Executive Vice President. Currently David is the Chief Risk Officer for BAC Florida Bank in Coral Gables Florida, heading areas such as Credit, BSA/AML, Compliance and Information Security. David is currently the Chairman of the Board of Directors for Florida International Bankers Association, as well as the Chair for the Executive committee. FIBA represents 61-member banks and 51 allied professionals focusing on international banking in the Americas. Formerly, David served as Vice President of The Institution of Internal Auditors Miami’s Chapter.