1. DIANA M. ESPINO
1872 Water Ridge Dr. P: +1 954-871-7184
Weston, Florida 33326 email:diana.espinoc@gmail.com
PROFESSIONAL PROFILE
Highly successful Business Development, Consultant and Leader, accomplished at improving ROI and leading
business growth in large multinational financial services corporations and multisite consumer products retail store
chains. Able to lead executive leadership groups in fully achieving business objectives by identifying and
developing new business opportunities, especially in rapidly changing, highly complex and politically stressed
environments. A naturally courageous leader and business partner, highly analytical and strategic thinker, able to
build and maintain strong relationships across all organizational levels. Possesses excellent business acumen,
focused on and committed to developing and driving highly productive cross functional and cross cultural teams.
Fully bilingual (Spanish and English) Proven competencies in the following areas:
General Management; Strategic Planning; Mergers and Acquisitions; Development and Implementation of New
Projects and/or significant Expansions of Operations; Corporate Restructuring, Resizing and Organizational
Procedures; Corporate Branding, Digital and Traditional Marketing, and Corporate Communications;
Structured Finance, Financial Planning and Restructuring; New Market and New Products Development, Sales
and Customer Service, Commercial and Corporate Banking Products and Services.
PROFESSIONAL EXPERIENCE
XL Business Brokers, Miami, Florida 2014–pres.
Business Broker - Partner
Extensive professional experience and local south Florida knowledge applied to helping clients finding the right
business for them, and for sellers provide access to a wide array of buyers to sell fast and under the best
conditions.
Over Fifty(50) Business being sold as of February 2017, for a total value of: US$ 100 Million.
BSG-Business Strategy Group, Miami, Florida 2009–pres.
Management and Investment Advisor (self-employed)
-Evenpro Group, Latin America: A group engaged in the entertainment business in Latina America.
Analyzed multiple business opportunities, recommend its strategic fit, develop the business plan, coordinate the
mergers and/or acquisitions, rise financing, and restructure operations.
In charge of the set up and operation of the first world class amusement park in Peru, with an Investment of over
US$ 5 Million.
Worked as a business consultant as an executive advisor to the Board of Directors for:
-Industrial Consulting Group, Bogota-Colombia; engaged in technical services for the Oil and Gas Industry in
emerging countries. Development of a Business Plan to raise capital and reorganize the company so it can achieve
the growth demanded by the market.
-Wind2Share, a Global Social Business Network, Boca Raton, Florida; acted as advisor to the CEO during 2011,
in the developing a new strategy and its business plan for further implementation by the owners.
- Financial institutions in South America and the Caribbean. Restructured, resized and redesigned the business
model for continuity of operations. Developed and implemented new IT infrastructure and management
information system to enable bank internationalization. Designed and implemented global credit and treasury risk
assessment polices to ensure long-term viability of operations. Also developed anti money laundering policies and
procedures in compliance with US and international standards.
• Re-launched bank operations after acquisition by private equity partnership, taking total assets base from
under $4MM to $120MM in 18 months.
• Directed the launch of the credit card business, projected to increase bank’s net income by 20% by second
year.
• Negotiated repurchase by Wachovia Securities of $11MM in ARN’s at face value avoiding a loss of 30%
in the market.
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2. • Overhauled firm’s operations including treasury, liability and risk management, fiscal, budgeting, and
sales and marketing activities to enable a major expansion, projected to quadruple bank size.
• Managed the development of a marketing strategy that drove the bank’s brand ranking to # 1 in the
country for the first time in over 10 years.
-Personal financial advisor: to high net worth individuals on overall financial planning, including retirement, risk
protection, estate and tax planning. Aggregated clients net worth advised above USD $100MM
COMMERCIAL BANKING 1998-2009
Banco Santander, Caracas –Venezuela
(Third Largest bank in Venezuela with over USD2.0B in assets and a 400-branch network)
Executive VP / Member of the Board of Directors and the Executive Committee
Led several functional areas and was acting CEO on several occasions. Played an integral role in delivering
sustained profitable growth for the bank over eight (8) years and turning around the Bank operations to achieve
Santander’s highly competitive international standards. Areas managed included corporate and retail banking,
marketing, branding and corporate communications, Social Responsibility, strategic planning, alternative banking
channels, credit cards business, organizational processes, quality control and human resources. Special projects
led included: Merger by acquisition between Banco Caracas (6th largest bank) and Banco Santander (3rd largest
bank). Launched new Santander-like corporate image. Developed and implemented “Project Office” an
innovative comprehensive system to establish weekly goals, objectives and rewards for the retail banking sales
force. Redesigned the customer service division including the development of the first Internet banking solution
for individuals and corporations and the implementation of a new technology for the call center that included
voice recognition software, for the first time in the country. Oversaw development of alternative banking
channels, including ATM network, POS terminals, call centers and online banking. Directed several
organizational restructurings aimed at better workflows and improved efficiency. Developed and implemented the
bank’s first results-based compensation system for the retail banking sales force. Lead the relaunchnig of the
Bank’s Social Responsibility Program;
• Increased market share from 9% to 12.6%, and grew the client base from 1.6MM to 3.3MM.
• Highest ROE in the industry of 30%, substantially increasing Banks profits six (6) fold, despite an
accumulated 377% depreciation rate for the Venezuelan local currency.
• Achieved a loan delinquency rate of 0.7% vs. 1.78% of the industry, while attaining a 17% growth in the
loan portfolio.
• Over sawed headcount reduction from 7600 a 4600 employees, improving efficiency ratio to 40% vs.
51,3% of the industry.
• Redesigned the organizational structure to obtain an increase in the efficiency ratio of 5 percentage
points.
• Designed and established the Internet banking for individuals and corporations, recognized as the “Top
Venezuelan Website” when launched and for 3 consecutive years.
• Increased credit card revenues by 20% and market share by 3 points over two (2) years.
• Led reengineering and implementation of operating processes of the retail banking to make Banco
Santander an ISO 9000 Bank, making the Bank the First ISO 9000 certified financial institution in
Venezuela.
• Developed the social responsibility strategy, investing in several on going initiatives such as:Aldeas
Infantiles, Orquestas Infantiles Jose Antonio Abreu, Casas Don Bosco,
Corporacion Industrial Montana (CORIMON), Caracas, Venezuela 1995-1998
(Largest Industrial Venezuelan Conglomerate, only company with shares listed in the NYSE)
Executive VP /CFO/ Member of the Board of Directors and the Executive Committee
As CFO led the most successful financial and operational restructuring done to date in Venezuela. The company
reorganized under chapter 11, restructuring $150 MM of debt including 25 local and international financial
institutions, institutional investors as well as multilateral agencies, and more than 500 individuals holding local
and international bonds and commercial paper. Responsibilities included the HQ’s and over twelve (12) local and
international subsidiaries financial operations. Oversaw treasury, liability and risk management, accounting,
capital expenditure, fiscal and budgeting, administration, purchasing, financial planning processes and quality
control, and internal auditing. Also, marketing, investor and rating agency relations, human resources and
planning activities. As a result of the whole restructuring process the company resumed normal operations.
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3. • Seventy percent (70 %) of the debt was converted into eighty percent (80%) common equity of the
company.
• Relisted, Carmon’s ADR’s in the NYSE after more than 12 months suspension, including an extensive
road show for local and international investors and analysts.
• Sold idle assets generating an additional $ 12 MM in revenues for the Company.
• Restructured debt and then sold or closed subsidiaries in Mexico, Argentina, Trinidad & Tobago,
Grenada, Colombia and Aruba, avoiding losses and generating additional revenues for the Company.
• Restructured the operations of local subsidiaries achieving an improved profitability of over six (6)
percentage points.
• Re-launched home retail improvement center (Construcentro), expanding it from 1 to 4 stores
nationwide in 18 months.
INVESTMENT BANKING 1989-1995
Santander Investment Andean Region, Caracas,
Director of Corporate Finance, Investment Banking Division
Led the transactors team for the Andean Region and conducted financial and operational due diligence, valuation
and negotiation for equity and debt underwritings. Also conducted sell-sides, buy-sides, fairness opinions,
including drafting of offering circulars and coordinating road shows generating substantial fee based earnings for
the bank.
• Executed transactions included: syndicated loans to finance: the acquisition of 100% of La Fabril by the Romero Group
($150MM-Peru 95), the acquisition of cellular phone concession by Grupo Santo Domingo ($150MM-Colombia 94),
and growth of Celumovil ($300MM-Colombia 94).
• Executed an Asset Securitization, of credit card receivables for the second largest bank in Venezuela. ($47MM-
Venezuela 98)
Citibank N.A, Caracas, Venezuela / New York
Vice-president-Corporate Finance, Investment Banking Division.
Lead the transactors team working in conjunction with the NY based Corporate Finance team. Conducted
financial and operational due diligence, valuation and negotiation for Privatizations and debt underwritings. Also
conducted drafting of offering circulars and coordinating road shows.
Transactions closed generated over $2 Million in fees for the Bank.
Performed financial and operational due diligence for the successful purchase of the Venezuelan Telephone co. by
GTE. Prepared detailed valuation model and suggested price range. The bid was won at $1,885 MM.
Preparation of offering circular and coordinating road show for a syndicated loan to finance expansion of Resilin-
Pequiven ($130MM).
Bank of America, Caracas-Venezuela / San Francisco
Vice-President, Investment Banking Division, Latin America Group
As a Corporate Finance transactor was in charge of preparing valuations and fairness opinion, and debt to equity
swap analysis and financial structures.
• Presented public debt to private equity Swap offering structures, for two hotel development projects
($150MM)
• Prepared a fairness opinion on SAVOY, leading chocolate company in the country, for Grupo Polar.
EDUCATION
Master of Business Administration, Finance. Concentration in Finance and Strategic Management,
Instituto de Estudios Superiores en Administracion (IESA) Caracas, Venezuela– (Class Valedictorian)
Bachelor of Science, Civil Engineering
Universidad Catolica Andres Bello (UCAB) - Caracas, Venezuela – (Class Valedictorian)
LICENSES AND CERTIFICATIONS
Life & Health-215, Series 6 & 63(Securities licenses designation required by FINRA for all individuals who sell mutual funds &
variable products and entitling the holder to solicit orders for any type of security in a particular state)
Real Estate Sales Associate, SL 3297332 State Of Florida Department of Professional Regulation
Real Estate Sales Associate, SL3297332. State of Florida Department of Business and Professional Regulation.
MEMBERSHIPS AND ASSOCIATION
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4. Venezuelan Finance Executives Institute-President 1998-2002.
Member of the Board of Directors of the non-for profit organizations: Fundacion Banco de Venezuela,
Venezuelan Cancer Society, Allied for a Venezuelan without Drugs 1998-2005.
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