Julio C.

CEO General Manager @ FACEBANK

About

Julio Carbonell is the CEO of FACEBANK International in San Juan, Puerto Rico, and Director of its wholly owned subsidiary, Florida Home Trust Mortgage in Weston, Florida. As CEO of FACEBANK International, he oversees all business operations and leads the bank’s transformation into a technology-driven digital platform. Under his leadership, FACEBANK serves nearly 100,000 clients representing 74 nationalities across 22 countries—all without physical branches. With more than 25 years of experience in international banking, finance, and compliance, Julio has built a reputation for combining innovation with rigorous regulatory standards, particularly in BSA/AML and risk management frameworks. His career includes senior leadership roles in banking and fintech across the U.S. and Latin America, and he has been recognized for driving strategic growth initiatives, digital transformation, and cross-border expansion. Julio’s vision has positioned FACEBANK at the forefront of borderless digital banking, offering clients around the world seamless access to U.S. financial services.

Country

Puerto Rico

City

San Juan

Industry

Banking

Skill

Business Development, Negotiation, Risk Management, Business Strategy, Program Management, Business Planning, Strategic Planning, Banking, Team Leadership, Credit, Corporate Finance, Financial Analysis, Management Consulting, New Business Development, Spanish, Project Management, Loans, Start-ups, Retail Banking, Strategy

Experience

CEO General Manager

FACEBANK

2008-7 - Present · 18 yrs 3 mos

San Juan, Puerto Rico.

Founder and CEO

Florida Home Trust Mortgage

2002-6 - 2008-6 · 6 yrs 1 mo

Miami/Fort Lauderdale Area

CFO

Car America Systems a Jon Lancaster Company

2000-1 - 2002-3 · 2 yrs 3 mos

Madison, Wisconsin

Worked closely with Sandler O'Neill (NY) and other Investment Bankers to procure funding for an IT startup. Negotiated, closed, and obtained seed financing (contractual) for a Consumer Touchpoint Solution at the Dealer level with Mitsubishi Motors Corporation, General Motors and Ford. Worked in conjunction with EDS to float a new DMS system for the industry. Company closed soon after 9/11.

Consulting CFO

Financial Bancor Group

1994-12 - 1998-12 · 4 yrs 1 mo

Miami, Florida

A financial and industrial group with investments in the banking and food sectors. Mainly responsible for assisting in the group wide financing strategy. Magaged applications and relationships with 2nd floor banks like the British International Investment, (formerly the Commonwealth Development Corporation CDC, and Colonial Development Corporation). Also assisted the group in general treasury strategies and new banking ventures.