Oriol Segarra
President and Chief Executive Officer

Oriol has over 30 years of experience in the financial industry. He has been President, Chief Executive Officer and Board Member of our company since 2006. From 1999 to 2006, under Wells Fargo Financial, a unit of Wells Fargo & Company, he served as President of Island Finance Inc., as President of the Latin American Consumer Group, as Senior Vice President of the U.S. Emerging Markets Group, and as member of the Executive Committee. From 1996 to 1999, he was Country Manager for AVCO Financial Services of Puerto Rico, the second largest consumer finance company on the island. From 1990 to 1996 he served at First Bank of Puerto Rico holding a series of VP executive positions in its consumer loan, automobile financing and credit card businesses. Oriol started his banking career with Banco de Ponce, where he served as AVP in the Strategic Planning unit. Oriol currently sits on the Corporate Board of Baldwin School of Puerto Rico, an International Baccalaureate World School and a premier independent college preparatory English language day school in Puerto Rico. He holds a B.A. in Economics from the University of Maryland at College Park.

David Clay
Chief Financial Officer

Mr. Clay joined the Company in March 2016. Mr. Clay has over 25 years financial services experience, and worked for over 18 years at Cash America, a leading alternative finance company. During Mr. Clay's tenure at Cash America, he served in a number of senior finance positions, including his most recent position as Senior Vice President, Business Development, Finance and Accounting. Mr. Clay brings public company transaction experience, including Cash America's recent spinoff of Enova International, Inc., a leading online consumer lending business. Mr. Clay is a graduate of the University of Texas at Austin and a certified public accountant.

José González
Executive Vice President, Branch Operations & Collections

José Gonzalez has been in charge of all our branch and collections operations since December 2006. Mr. Gonzalez served as Executive Vice President of International Operations of Wells Fargo Financial Latin American Consumer Group from 1998 to 2006. Mr. Gonzalez also has 14 years of consumer finance experience at Island Finance, Puerto Rico, where he was a store manager, district manager and division manager. Mr. Gonzalez was educated at West Chester State College.

Jose M. Figueroa
Executive Vice President, Financial Planning and Analysis

Jose M. Figueroa has been working with CFG for the last twenty-three years in various managerial positions in our Finance and Accounting Departments. He served as our Executive Vice President of Financial Planning & Analysis since January 2013. He previously served as our Senior Vice President of Financial Planning & Analysis from December 2006 to January 2013, as our Vice President of Financial Planning & Analysis from November 2002 to December 2006 and as our Second Vice President of Financial Planning from January 2002 to November 2002. Mr. Figueroa received a B.A., Cum Laude, in Accounting from the University of Puerto Rico and is a Certified Public Accountant.

Zamari López
Chief Administration Officer

Zayda M. Lopez has served as our Chief Administration Officer since November 2007. She previously served as our Senior Vice President of Strategy & Corporate Development from 2005 to 2007, as our Senior Vice President of Marketing & Business Development from 2003 to 2005, as our Vice President of Marketing from 2002 to 2003 and as our Marketing Director from 2000 to 2002. Prior to that, Mrs. Lopez worked for First Bank Puerto Rico for a combined 24 years of experience in the financial business sector. Ms. Lopez received an M.B.A. in Marketing from the InterAmerican University of Puerto Rico and a B.A. in Marketing from the College of Notre Dame in Maryland. Mrs. López reports to the President and CEO.

Joel M. Eliza
Vice President, General Counsel

Attorney Joel M. Eliza joined Caribbean Financial Group in February 2012. As General Counsel, he is responsible for all legal and regulatory matters related to CFG international operations. Mr. Eliza has experience in the public sector as Assistant Secretary of Legal Affairs in the Department of Treasury of Puerto Rico and as General Counsel of the Public Buildings Authority. He previously practiced insurance litigation at Otero & Lopez law firm. Mr. Eliza holds a Juris Doctor from the Inter-American University of Puerto Rico School of Law and an LL.M. in International Law from the George Washington University in Washington, D.C. He is licensed to practice law in Puerto Rico federal and local courts and in the state of Maryland.

Jorge Bandin
Chief Information Officer

Jorge Bandin joined Caribbean Financial Group in December 2015. With over 28 years in the Financial Services and High Tech industries, Mr. Bandin has extensive experience working in large private and public enterprise environments. As Chief Information Officer his focus is taking business concepts/strategies and shaping them into deliverable technology outcomes. He was formerly the Global Chief Information Officer for BUPA World Wide in London, England. Mr. Bandin has also previously worked for companies such as John Alden, SunGard, American Bankers Insurance Group, Dow Chemical and Terremark Worldwide. He has a Bachelors of Science in Computer Science from Florida International University.