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Executive Team
José Rafael Fernández President, CEO, Vice Chairman
José R. Fernández is President, Chief Executive Officer, Vice Chairman of the Board, and Director of OFG Bancorp, including Oriental Bank, positions he has held since 2004. He also is Chairman and President of OFG’s other subsidiaries, Oriental Financial Services, Oriental Insurance and Caribbean Pension Consultants.
In 2011, Mr. Fernández was named to the Federal Reserve Bank of New York’s new Community Depository Institutions Advisory Council, which provides insight to the New York Fed from the perspective of community depository institutions.
Since joining OFG in 1991, Mr. Fernández has managed each of the Company’s core businesses. He played a major role in Oriental Financial Services becoming a leader in wealth management, trust and retirement services in Puerto Rico. Since becoming CEO in 2004, he also has focused on developing Oriental Bank’s commercial banking platform. This led to the successful acquisitions of Eurobank in 2010 and Banco Bilbao Vizcaya Argentaria’s operations in Puerto Rico in 2012, which have helped make OFG one of Puerto Rico’s leading banking-financial services companies today.
Mr. Fernández holds a Bachelor of Science degree from the University of Notre Dame and a Masters of Business Administration, with a concentration in Finance, from the University of Michigan. He is Vice Chairman of the Board of Trustees of Universidad del Sagrado Corazón in Santurce, Puerto Rico; Member of the Business Advisory Board of the University of Notre Dame’s Mendoza School of Business; Member of the Advisory Board for the Puerto Rico Conservation Trust; and Director of Museo de Arte de Puerto Rico (Puerto Rico Museum of Art).
Norberto González EVP - Chief Risk Officer
Norberto González was named Executive Vice President and Chief Risk Officer in early 2012. As such, he is responsible for enterprise risk management, asset and liability management, compliance, internal audit, loan review, loss-share and regulatory relationships.
Mr. González, who joined OFG in 2003, had been Chief Financial Officer since 2006. He has been instrumental in transforming the Company, implementing OFG’s strategic vision.
Before joining OFG, Mr. González was Executive Vice President and Risk Management Director of Banco Bilbao Vizcaya Argentaria (BBVA) Puerto Rico, a wholly-owned subsidiary of Spain’s second largest bank. He was Senior Vice President of Credit Administration of PonceBank (a publicly held financial institution acquired by BBVA in 1998) from 1992 to 1998.
Mr. González started his professional career at Peat Marwick Mitchell & Co. (now known as KPMG), where he worked from 1980 to 1992, becoming a Senior Manager specializing in audit and consulting services to financial institutions.
He graduated magna cum laude in 1980 from the University of Puerto Rico, where he obtained a bachelor's degree in Business Administration with a major in Accounting. In 2001 he earned a Juris Doctor degree from the University of Puerto Rico School of Law.
Mr. González is a member of the Puerto Rico Society of Certified Public Accountants and the American Institute of Certified Public Accountants.
Dr. Ganesh Kumar EVP - Chief Financial Officer
Ganesh Kumar, DM was named Executive Vice President and Chief Financial Officer position in early 2012. As such, he is responsible for corporate finance, strategic planning, accounting and reporting, and business analytics. In addition, Dr. Kumar continues to oversee the wealth management business and administrative functions, such as human relations and information technology.
Dr. Kumar, who joined OFG in 2004, had been Chief Operating Officer since 2009. He has been instrumental in transforming the Company, implementing OFG’s strategic vision and leading the acquisition & integration efforts of the organization.
Prior to OFG, Dr. Kumar was a Director of consulting practice for Gartner, Inc. (NYSE: IT), an industry leading research and advisory firm, where he assisted a wide array of financial service companies in their business development and operational efforts.
Prior to Gartner, Dr. Kumar was a Product Development Manager at McKesson Corporation (NYSE: MCK) from 1997 to 1999; a Planning and Technology Architect at Intercontinental Hotels Group (NYSE: IHG) from 1995-1997; and as a Consultant, advising several large, domestic and international banking and insurance clientele, from 1986 to 1995.
Dr. Kumar holds a doctoral degree in business from Case Western Reserve University, Cleveland, OH.
José Ramón González Senior EVP - Banking & Corporate Development
Senior Executive Vice President Banking & Corporate Development of OFG Bancorp, in charge of Oriental Bank’s commercial banking products and services, and development and implementation of plans to expand Oriental’s commercial market share.
Prior to joining OFG in August 2010, Mr. González served since 2000 as a member of the Board of Directors of Santander BanCorp, and from 2002 to 2008, as Vice Chairman of the Board, President and CEO. Santander BanCorp is the former publicly traded bank holding company that owned Banco Santander Puerto Rico (BSPR).
After joining BSPR in 1996 as President and CEO of its securities broker dealer, Mr. González was named Senior Executive Vice President and Chief Financial Officer of the holding company in 2001. During his 12 years as an executive at Santander, particularly during his tenure as CEO, Mr. González expanded Santander's footprint in Puerto Rico by building its commercial business and by acquiring assets and businesses of other banks.
Mr. González began his career in banking in the early 1980s as Vice President, Investment Banking, for Credit Suisse First Boston (CSFB), and later, from 1989 through 1995, as President and CEO of CSFB’s Puerto Rico operations. He served as President and CEO of the Government Development Bank for Puerto Rico, a government instrumentality that acts as the Commonwealth’s fiscal agent, from 1986 to 1989.
Mr. González is a member of the Board of Directors of the Federal Home Loan Bank of New York, which he joined in 2004, and its Vice Chairman since 2008, a position he continues to hold. He is a past President of the Puerto Rico Bankers Association and the Securities Industry Association of Puerto Rico. Mr. González has a B.A. in Economics from Yale University and an M.B.A. and Juris Doctor from Harvard University.
Carlos O. Souffront General Counsel and Secretary Board of Directors
Carlos O. Souffront served on the Board of the Company’s
predecessor, Oriental Federal Savings Bank, from 1988 to
1996. He has served as Secretary of the Board of Directors of
OFG Bancorp from 1996 to the present. Mr. Souffront joined
the Company in January 2008 as General Counsel.
Prior to joining the Company, Mr. Souffront was a Partner at
McConnell Valdes (“MacVal”), San Juan, Puerto Rico, from
1979 to December 2007. At MacVal he practiced corporate law
with a concentration in Banking Law and Merger & Acquisitions,
and served in numerous administrative functions such as Chair
of the Policy Committee, member Executive Committee, Chair
of the Corporate Department, Chair of the Administrative
Committee, Chair of the Mergers and Acquisition Practice Group, among others. Prior to
joining MacVal as a Partner in 1979, Mr. Souffront served from 1976 to 1979 as Vice
President and General Counsel of Rexco Industries, Inc. and from 1972 to 1976 as an
associate at MacVal.
Mr. Souffront was admitted to the Bar of the Commonwealth of Puerto Rico in 1972. He
is a member of the Puerto Rico Bar Association and of the American Bar Association.
Mr. Souffront holds a B.A. from Harvard University (1968) and a Juris Doctor from the
New York University School of Law (1972).
Board of Directors
Julian S. Inclán Chairman of the Board, OFG Bancorp President, American Paper Corporation
Chairman of the Board of OFG Bancorp since July 2012. Mr. Inclán has been a member of the Company’s Board of Directors since August 2008 (including terms as a director of the Bank) and is the Chairman of its Compensation Committee. He previously served as a director of the Company and Oriental Bank from 1995 to 2006.
Julian S. Inclán has been the President of American Paper Corporation, San Juan, Puerto Rico, a distributor of fine papers, office supplies and graphic art supplies, since September 1994. Mr.Inclán has served as Managing General Partner of Calibre, S. E., a real estate investment company, since 1991, and as President of Inclán Realty, San Juan, Puerto Rico, a real estate development company, since 1995. He is also the Managing Partner of Hamlet Associates, San Juan, Puerto Rico, a real estate development company since 1999.
Prior to American Paper, Mr. Inclán held executive management or sales positions at Puerto Rican Cement Co., Inc., Container Corporation of America, and The Economic Development Administration.
Mr. Inclán also has participated as an officer in a number of business and social organizations, such as Colegio San Ignacio Scholarship Fund, Association of Independent Printing Paper Merchants, and Caparra Country Club.
He graduated in 1969 from Fordham University with a bachelor's of science with a major in economics. In 1972, he earned a masters of business administration with a concentration in business economics and finance from Columbia University Graduate School of Business.
José Rafael Fernández President, CEO, Vice Chairman, Oriental Financial Group Inc.
José R. Fernández is President, Chief Executive Officer, Vice Chairman of the Board, and Director of OFG Bancorp, including Oriental Bank, positions he has held since 2004. He also is Chairman and President of OFG’s other subsidiaries, Oriental Financial Services, Oriental Insurance and Caribbean Pension Consultants.
In 2011, Mr. Fernández was named to the Federal Reserve Bank of New York’s new Community Depository Institutions Advisory Council, which provides insight to the New York Fed from the perspective of community depository institutions.
Since joining OFG in 1991, Mr. Fernández has managed each of the Company’s core businesses. He played a major role in Oriental Financial Services becoming a leader in wealth management, trust and retirement services in Puerto Rico. Since becoming CEO in 2004, he also has focused on developing Oriental Bank’s commercial banking platform. This led to the successful acquisitions of Eurobank in 2010 and Banco Bilbao Vizcaya Argentaria’s operations in Puerto Rico in 2012, which have helped make OFG one of Puerto Rico’s leading banking-financial services companies today.
Mr. Fernández holds a Bachelor of Science degree from the University of Notre Dame and a Masters of Business Administration, with a concentration in Finance, from the University of Michigan. He is Vice Chairman of the Board of Trustees of Universidad del Sagrado Corazón in Santurce, Puerto Rico; Member of the Business Advisory Board of the University of Notre Dame’s Mendoza School of Business; Member of the Advisory Board for the Puerto Rico Conservation Trust; and Director of Museo de Arte de Puerto Rico (Puerto Rico Museum of Art).
Juan Carlos Aguayo President & CEO, Structural Steel Works, Inc.
Director of OFG Bancorp since 2004.
Juan C. Aguayo, P.E., M.S.C.E., has been President and Chief Executive Officer of Structural Steel Works, Inc., Bayamón, Puerto Rico, since 2002, and Executive Vice President and Chief Operating Officer from 2000 to
2002.
From 1998 to 2000, Mr. Aguayo was Director of Construction and Development, of Development Company of the Americas, LLC, Denver, CO, and Monterrey, Mexico. From 1997 to 1998, he attended the Massachusetts Institute of Technology, Cambridge, MA, where he earned his Masters of Science in Civil Engineering (M.S.C.E.). He was Vice President of Structural Steel Works, Inc., from 1991 to 1997; Project Engineer, from 1986 to 1991; and also President of its affiliate, Structural Steel Manufacturing, Inc., from 1991 to 1997. In 1986, he obtained a Bachelor of Science in Civil Engineering from Princeton University, Princeton, NJ.
Mr. Aguayo is a licensed Professional Engineer, registered in Puerto Rico, and has served terms as a Member of the Board of Directors of the Puerto Rico chapter of the Association of General Contractors of America, from 1996 to 1997 and from 2003 to 2004.
Pablo Iván Altieri Professor of Medicine, University of Puerto Rico
Director of OFG Bancorp since 1990.
Pablo I. Altieri, M.D. is a cardiologist and a Professor of Medicine and Physiology at the University of Puerto Rico School of Medicine.
He is also a member of the Board of Directors of Corporación para el Desarrollo Tecnológico de Recursos Tropicales de Puerto Rico, San Juan, Puerto Rico, and a member of the Board of Directors of Casa Roig Foundation, Humacao, Puerto Rico. Both are charitable organizations.
Francisco Arriví President & CEO, Pulte International Caribbean Corp.
Director of OFG Bancorp since 1998.
Francisco Arriví has been the President and Chief Executive Officer of Pulte International Caribbean Corp., San Juan, Puerto Rico, a subsidiary of Pulte Corporation (a publicly traded company), since 1999.
He was President and Chief Executive Officer of Interstate General Properties LP, S.E., San Juan, Puerto Rico, a subsidiary of Interstate General Company LP (a publicly traded company), from 1995 to 1999, and Vice President and Chief Financial Officer of that company from 1990 to 1995. He was also a director of Interstate General Properties LP, S.E. from 1996 to 1998. He was Vice President and Manager of the Real Estate Department of The Chase Manhattan Bank, N.A., San Juan, Puerto Rico, from 1985 to 1990. He served as a director of American Communities Property Trust (a publicly traded company), San Juan, Puerto Rico, from 1998 to 1999.
Since 2001, he has been a director of the Puerto Rico Aqueduct and Sewer Authority (a government instrumentality of the Commonwealth of Puerto Rico).
Pedro Morazzani Ferrer Founding Partner, Zayas, Morazzani & Co.
Director of OFG Bancorp and member of the Board’s Audit Committee of the Board since November 2006.
Pedro Morazzani Ferrer, founding partner of the accounting firm of Zayas, Morazzani & Co., San Juan, Puerto Rico, is a Certified Public Accountant, Certified Fraud Examiner, Certified Valuation Analyst, and Arbitrator. He obtained a Bachelor degree in Business Administration from the University of Puerto Rico in 1973, joined Peat, Marwick & Mitchell (now KPMG) in 1973, became a Certified Public Accountant in 1975, and co-founded Zayas, Morazzani in 1983.
Mr. Morazzani was and is involved in the audits and other related services rendered to commercial entities and other enterprises involved in various specialized industries such as commercial banking, government entities, educational institutions, credit unions, construction contractors and developers, and other segments of the economy. Mr. Morazzani is active in providing litigation support services, as a consultant and as an expert. He has been appointed by the P.R. Courts as Commissioner or Business Valuator. The main cases where Mr. Morazzani has participated are in the areas of divorce (alimony and division of community property), construction contracts, liquidation of estate assets, cancellation of contracts, partnership's dissolution, fraud, estimates of damages, etc.
During his 10 year tenure at Peat, Marwick, Mr. Morazzani gained extensive accounting, auditing and business experience, and held the position of Senior Manager in the Audit Department.
Rafael Martínez-Margarida Former Managing Partner of PricewaterhouseCoopers LLP
Director of OFG Bancorp since April 2013.
Rafael Martínez-Margarida has more than 40 years of experience advising commercial and industrial enterprises, both local and multinational, and public entities in accounting, finance, business practices and organizational development. He is a Certified Public Accountant, Certified Valuation Analyst, Certified in Financial Forensics and Certified Management Consultant.
He was the Managing Partner of the Puerto Rico practice of the international accounting firm PricewaterhouseCoopers, from which he retired in 2004. Since then, he has been an independent business and financial consultant, specializing in accounting, business valuation and litigation support.
From 2005 to 2009, he was a private sector member of the Board of Directors of the Government Development Bank for Puerto Rico (GDB), the Commonwealth’s fiscal agent. He chaired the Board from 2008 to 2009.
From 2005 to 2007, he was a member of the Board of Directors of the former Telecomunicaciones de Puerto Rico Inc. (Puerto Rico Telephone or TELPRI).
He earned a BS at Fairfield University in 1969 and an MBA at Columbia University Business School in
1971.
José E. Rossi CEO, Aireko Enterprises
Director of OFG Bancorp since 2008.
Josen Rossi is Chairman of the Board, CEO and majority owner of Aireko Enterprises, a multi-enterprise construction group in Puerto Rico and the Caribbean founded in 1963. Mr. Josen has managed civil, institutional and industrial projects for Aireko since 1980, and is particularly experienced in fast-track turnkey building construction.
Mr. Josen has been actively involved as official or director in many community and industry associations locally and abroad, such as the Puerto Rico Manufacturers Association, the Aireko Foundation, the Associated General Contractors Puerto Rico chapter, the Construction Cluster of Puerto Rico, and the Young Presidents Organization Puerto Rico chapter. Of these, he has chaired all except for the Manufacturers Association, which he is currently chairing.
He graduated in 1980 from Cornell University with a bachelor's of science degree in civil engineering (BSCE). In 1989, he earned a masters of business administration from Colgate Darden School of Business, University of Virginia.
Carlos O. Souffront Secretary of the Board of Directors
Carlos O. Souffront served on the Board of the Company’s
predecessor, Oriental Federal Savings Bank, from 1988 to
1996. He has served as Secretary of the Board of Directors of
OFG Bancorp from 1996 to the present. Mr. Souffront joined
the Company in January 2008 as General Counsel.
Prior to joining the Company, Mr. Souffront was a Partner at
McConnell Valdes (“MacVal”), San Juan, Puerto Rico, from
1979 to December 2007. At MacVal he practiced corporate law
with a concentration in Banking Law and Merger & Acquisitions,
and served in numerous administrative functions such as Chair
of the Policy Committee, member Executive Committee, Chair
of the Corporate Department, Chair of the Administrative
Committee, Chair of the Mergers and Acquisition Practice Group, among others. Prior to
joining MacVal as a Partner in 1979, Mr. Souffront served from 1976 to 1979 as Vice
President and General Counsel of Rexco Industries, Inc. and from 1972 to 1976 as an
associate at MacVal.
Mr. Souffront was admitted to the Bar of the Commonwealth of Puerto Rico in 1972. He
is a member of the Puerto Rico Bar Association and of the American Bar Association.
Mr. Souffront holds a B.A. from Harvard University (1968) and a Juris Doctor from the
New York University School of Law (1972).
José R. Fernández is President, Chief Executive Officer, Vice Chairman of the Board, and Director of OFG Bancorp, including Oriental Bank, positions he has held since 2004. He also is Chairman and President of OFG’s other subsidiaries, Oriental Financial Services, Oriental Insurance and Caribbean Pension Consultants.
Norberto González was named Executive Vice President and Chief Risk Officer in early 2012. As such, he is responsible for enterprise risk management, asset and liability management, compliance, internal audit, loan review, loss-share and regulatory relationships. 
Ganesh Kumar, DM was named Executive Vice President and Chief Financial Officer position in early 2012. As such, he is responsible for corporate finance, strategic planning, accounting and reporting, and business analytics. In addition, Dr. Kumar continues to oversee the wealth management business and administrative functions, such as human relations and information technology.
Senior Executive Vice President Banking & Corporate Development of OFG Bancorp, in charge of Oriental Bank’s commercial banking products and services, and development and implementation of plans to expand Oriental’s commercial market share. 
Carlos O. Souffront served on the Board of the Company’s
predecessor, Oriental Federal Savings Bank, from 1988 to
1996. He has served as Secretary of the Board of Directors of
OFG Bancorp from 1996 to the present. Mr. Souffront joined
the Company in January 2008 as General Counsel.