Mr. Fernandez is a Panamanian who has lived and worked across many countries during his career. Degree in Industrial Engineering from Rensselaer Polytechnic Institute in New York, USA, and an MBA from Georgetown University, in Washington DC, USA. Mr. Fernandez began his career in QBE, an insurance/reinsurance company, in New York, where he worked in all departments, ending up working directly with the CFO of the Company. After his MBA, he worked in Zurich Emerging Markets, where he worked in the trade and credit risk department in Washington, DC. He later worked in London at AON risk in the reinsurance department, where he worked with several Lloyd's syndicates in their relationship with Latin America. After working abroad, Mr. Fernandez returns to Panama to work in his family company, a reinsurance and insurance group listed in the Panamanian Stock Exchange. He was in charge of acquisitions, capital raising, investors, greenfield investment in a new market, and working directly with rating agencies. Mr. Fernandez was also a Director and Founder circle of a Bank and Energy Company in Panama. Mr. Fernandez's experiences range from Insurance, Banking, Energy, QSR, among others.