Carlos Fernández has over twenty-five years of experience in the financial services and information services industry. As Truenorth Executive Director he has been the leader in establishing the strategic initiatives and actions that have helped the company's consistent and sustained growth in Puerto Rico and other international markets. As Director of Technology, Project Manager, Systems and Database Architect, and Systems Developer, Carlos brings to the Truenorth partnership a strong and unique mix of technology and finance. He brings to the Truenorth partnership years of success in building systems and the knowledge of the perils, pitfalls, and limitations of technology.