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Francis Encarnacion has extensive experience in financial planning and corporate banking, currently serving as VP of Planning and Finance at Consorcio Dom, de Tarjetas (CardNET) since January 2016. Prior roles include 2nd VP of Corporate Banking at Banco BHD León from July 2014 to January 2016 and at Banco Leon from June 2010 to September 2014. Additionally, Francis held multiple positions at Banco Leon from 2004 to 2010, including 2nd VP of Operations and IT as well as 2nd VP of Financial Planning. Academic qualifications include a Diplomado from Barna Management School (2008-2009), an MBA in Business Administration and Management from UQAM (2004-2006), and a Licentiate in Business Administration from Pontificia Universidad Católica Madre y Maestra (1993-1998).