Committees
About us

IFS: Audit committee
Members
  • Fernando Zavala Lombardi - Director
  • Hugo Santa María Guzmán - Director
  • Felipe Morris Guerinoni - Director
Main duties
  • Monitoring accounting processes, financial reports and auditing of financial statements.
  • Assisting the Board of Directors in the monitoring of: (i) the quality and integrity of IFS financial statements (ii) the legal and regulatory compliance, (iii) the independence and competence of external auditors, and (iv) the performance of duties of internal and external auditors.
  • Looking after IFS investors' interests and supervising regulatory compliance of the capital market where IFS shares are listed.
Interbank: Audit committee
Members
  • David Fischman Kalincausky - Director (Chairman)
  • Carlos Hereen Ramos - Director
  • Cayetana Aljovín Gazzani - Director
Main duties
  • Assisting the Board of Directors with the compliance of its duties regarding Integrated Risk Management assessment.
  • Supervising the accounting processes and the accuracy of the financial reporting.
  • Evaluating the performance of internal and external auditors.
Interbank: Executive committee
Members
  • Carlos Rodríguez Pastor Persivale - Director (Chairman)
  • Fernando Zavala Lombardi - Director
  • Felipe Morris Guerinoni - Director
Main duties
  • Supporting management by following up their goals and accelerating the decision making process.
Interbank: Risk management committee
Members
  • Felipe Morris Guerinoni - Director (Principal and Chairman)
  • Hugo Santa María Guzmán - Director (Principal)
  • Alfonso Bustamante y Bustamante- Director (Alternate)
  • Fernando Zavala Lombardi - Director (Alternate)
  • Chief Executive Officer
  • Retail Businesses Vicepresident
  • Distribution Channels Vicepresident
  • Commercial Vicepresident
  • Finance Vicepresident
  • Capital Markets Vicepresident
  • Operations Vicepresident
  • Risk Vicepresident
  • General Counsel
Main duties
  • Adopt decisions related to the Bank’s main risks' exposure.
  • Approve the policies and organization for Integrated Risk Management of Interbank.
  • Establish risk appetite and exposure levels.
  • Decide all necessary actions to implement required corrective measures.
  • Authorize taking exposure that may involve important changes in the established risk profile.
  • Evaluate the Bank’s capital adequacy.
  • Propose improvements to Integrated Risk Management of the Bank.
  • Approve the annual risk report and the training plan for the risk units.
  • Prepare the Board of Directors' Annual Compliance Statement draft pursuant to this committee's regulations.
  • Evaluate and propose to the Board of Directors the necessary amendments to the regulations of this committee, so it may permanently respond to the Bank’s particular needs.
Interbank: Corporate governance committee
Members
  • Carlos Hereen Ramos - Director
  • Cayetana Aljovín Gazzani - Director
  • Hugo Santa María Guzmán - Director
Main duties
  • Inform to the Board of Directors about the adjustment, implementation and follow up of corporate governance practices.
  • Prepare the Corporate Governance Annual Report.
  • Look after the Bank’s compliance with highest standards of corporate governance, and propose the appropriate measures in order to achieve them.
  • Supervise the correct performance of the Bank’s Integrated System of Corporate Social Responsibility (CSR).
Interbank: Related parties committee
Members
  • Carmen Rosa Graham Ayllón - Director (Principal)
  • David Fischman Kalincausky - Director (Principal)
  • Felipe Morris Guerinoni - Director (Alternate)
  • Carlos Hereen Ramos - Director (Alternate)
  • Alfonso Bustamante y Bustamante - Director (Alternate)
Main duties
  • Approve financings granted by Interbank to any related party (individual or legal entity).
Interbank: Credit directive committee
Members
  • Two members of the Board of Directors, pursuant to a timetable, one of which will act as Chairman, except for the members of the Board that perform as members of the Audit Committee.
  • The Chief Executive Officer or the person appointed by him.
  • A representative from the Risk Vicepresidency.
  • A representative from the Commercial Vicepresidency or the Retail Businesses Vicepresidency or any other Vicepresidency depending on the nature of the transaction.
Main duties
  • Granting of credits up to the limit indicated in the "General Chart of Limits for Credit Approval".
  • Inform at the Board of Directors’ ordinary sessions about the approved credit transactions.
Interbank: Compensation committee
Members
  • Carlos Rodríguez Pastor Persivale - Director (Chairman)
  • Alfonso Bustamante y Bustamante - Director
  • Fernando Zavala Lombardi - Director
Main duties
  • Comply with the Bank’s benefits plans, compensation packages, and identification of potential employees or officers for the Bank; among other duties to be determined or delegated by the Board of Directors.
Interseguro: Audit committee
Members
  • Guillermo Martínez Barros - Director
  • Felipe Morris Guerinoni - Director
  • Ramón Barúa Alzamora - Director
  • Raúl Musso Vento - Director Independiente (Alternate)
Main duties
  • Supervise the adequacy of the internal control procedures.
  • Inform the Board of Directors about the limitations that ought to exist in the reliability of the company’s accounting and financial procedures.
Interseguro: Investments committee
Members
  • Reynaldo Roisenvit Grancelli – Officer
  • Felipe Morris Guerinoni - Director
  • Juan Carlos Vallejo Blanco - Director
  • Gonzalo Basadre Brazzini – Chief Executive Officer
  • Carlos Rodriguez Pastor Persivale - Director
  • Ramón Barúa Alzamora - Director
  • Martín Hurtado Castillo – Investments Vicepresident
  • Guillermo Martínez Barros - Director
  • Luis Felipe Castellanos López-Torres - Director
  • Fernando Zavala Lombardi - Director
Main duties
  • Analyze possible investments and approve transactions that for their amount or relevance require such authorization.
  • Analyze possible risks and propose measures to mitigate them.
  • Propose and ensure compliance with the Investment Annual Plan.
Interseguro: Risks committee
Members
  • Gonzalo Basadre Brazzini – Chief Executive Officer
  • Ramón Barúa Alzamora - Director
  • Juan Carlos Vallejo Blanco - Director
Main duties
  • Approve the policies and organization for the Integrated Risk Management, as well as the amendments made to such policies and organization.
  • Look after the adequate performance of the Risk Management System by reviewing Risk Unit’s quarterly reports.
  • Define the adequate level of tolerance and degree of risk exposure for the company.
Interseguro: Compensation committee
Members
  • Felipe Morris Guerinoni - Director
  • Raúl Musso Vento - Director
  • Gonzalo Basadre Brazzini – Chief Executive Officer
  • Carlos Vereau Montenegro - Officer
  • Juan Carlos Motta Flores - Officer
Main duties
  • Approve the policies and procedures that will be applied in the compensation management.
  • Analyze the remuneration system proposal and designate the personnel responsible for ensuring compliance.
  • Approve the Management Committee's compensation.
Inteligo Bank: Audit committee
Members
  • Two (2) Directors with opinion and voting rights, one of which must be independent.
  • Internal Audit Unit only with opinion rights.
Main duties
  • Evaluate and monitor the internal control system.
  • Ensure the Bank’s compliance with regulatory provisions and other applicable laws.
Inteligo Bank: Anti-money laundering prevention committee
Members
  • Two (2) Directors.
  • Chief Executive Officer.
  • Compliance Officer (Bahamas), acting as Report Officer of Money Laundering.
  • Compliance Officer (Panama)
  • Operations’ Division Officer
  • Chief Commercial Officer
  • Audit Officer
  • Risk Corporate Manager
Main duties
  • Call for periodic meetings to orient and review compliance with the applicable laws and regulations on anti-money laundering.
  • Act as the company's intermediary with other areas, the authorities of the countries where Inteligo Bank operates as well as with private organizations involved in Anti-Money Laundering matters.
  • Inform the Executive Committee about its relevant activities for approval.
Inteligo Bank: Executive committee
Members
  • Three (3) Directors, one of which must be independent.
  • Chief Executive Officer
Main duties
  • Analyze alternatives and advise the Board of Directors regarding policies, goals, strategies and organization matters.
  • Guide, evaluate and advise management efforts to implement approved policies.
  • Approve operational and administrative matters that guaranty the Banks´ functionality, by evaluating the results of their implementation and management.
Inteligo Bank: Assets and liabilities committee (ALCO)
Members
  • Two (2) Directors with opinion and voting rights, one of which must be independent.
  • Chief Executive Officer with opinion and voting rights.
  • Chief Financial Officer with opinion and voting rights.
  • Legal Counsel with opinion and voting rights.
  • Corporate Risk Officer only with opinion rights.
Main duties
  • Establish policies and design contingency plans regarding the Bank’s administration of assets and liabilities.
  • Propose to the Risk Committee the limits and procedures to control the exposure to market, liquidity and interest rate's risks.
  • Review the reports that measure the Bank's different risks exposure and compare them with limits established in the Bank's policy.
  • Provide the Banks’ corporate bodies, with studies and forecasts regarding the behavior of major macroeconomic and monetary variables, so decisions made over adequate risk levels, consider economy’s real development. Suggest optional methodologies for a better consideration of risks under evaluation.
  • Ensure compliance of applicable laws and regulations.
Inteligo Bank: Credit committee
Members
  • Chief Executive Officer with opinion and voting rights.
  • One (01) member of the Board of Directors with opinion and voting rights.
  • Corporate Risk Officer only with opinion rights.
Main duties
  • Analyze and approve credit applications.
  • Periodically inform the Board of Directors about previously approved credits.
  • Study and fix the credit quotas to the different bank´s clients and offices.
  • Study and fix the credit quotas for the Bank´s different offices.
  • Approve any recognition of loss as a result of credit activities.
  • Ensure the compliance of applicable laws and regulations.
Inteligo Bank: Integral risk committee
Members
  • Two (2) Directors with opinion and voting rights, one of which must be independent.
  • Chief Executive Officer with opinion and voting rights.
  • Chief Financial Officer with opinion and voting rights.
  • Legal Counsel with opinion and voting rights.
  • Corporate Risk Officer only with opinion rights.
Main duties
  • Evaluate the Bank's capital adequacy to deal with risks and alert of possible insufficiencies.
  • Follow up risk exposure and compare it with approved limits, ensuring the stability and solvency of the Bank.
  • Evaluate the performance and compliance of the Risk Unit main duties.
  • Guaranty the limits, strategies and policies that contribute with an effective risk management as well as define proposals for temporary improvements that may be used to accept the excess of limits or policies. These proposals for temporary improvements shall be approved by the Board of Directors as well as any plan of action or strategy to regularize this situation.
  • Approve the annual training program of the Risk Unit.
  • Ensure compliance to applicable laws and regulations.
  • Review or update of manuals.
Inteligo Bank: Security committee
Members
  • Information Technology Security Officer
  • Manager of Human Resources
  • Management Officer
  • Chief Operating Officer
Main duties
  • Advise the Chief Executive Officer regarding security matters.
  • Structure general guidelines so the Banks’ different areas can propose security plans and measures applicable to their specific areas.
  • Document the Bank protection system.
  • Guarantee follow up and compliance of management security.
  • Supervise compliance of established procedures.
  • Create procedures for new situations required by the Bank.
  • Ensure compliance to applicable laws and regulations.
  • Review or update of manuals.
Inteligo Bank: Investments committee
Inteligo Bank: Technology committee
Inteligo Bank: Information security committee