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Cross-Border Banking
May 11, 2007
Sheraton Gunter Hotel, San Antonio
Sponsored by the Federal Reserve
Bank of Dallas, San Antonio Branch |
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Banks and retailers along the
Texas–Mexico border serve not only the local citizens,
but also a growing number of individuals and businesses
in northern Mexico. While it is clear that financial
institutions in border states and throughout the U.S.
provide a growing array of financial services to Mexican
citizens and companies, the overall volume of this activity
and how it will change in the future is unclear.
Sponsored by the San Antonio Branch
of the Federal Reserve Bank of Dallas, "Cross-Border
Banking" will address these issues and more. Experts
in the financial services industries and academia will
look at issues such as regulations, remittances, foreign
investment, competition and impacts of exchange rates.
The conference is directed to the general public, financial
firms, policymakers, scholars and anyone interested
in factors impacting cross-border banking and how it
is likely to change in the future.
Fast Facts
When
Where
- Sheraton Gunter Hotel
205 E. Houston St.
San Antonio, Texas 78205
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More Information
Agenda
About the Speakers
Eduardo M. Berain
Executive Vice President
Frost National Bank, San Antonio
In his role at Frost Bank,
Berain manages international and domestic private banking,
overseeing 30 bankers who specialize in the areas of
personal and commercial finances for international and
domestic clients. The Private Banking Department has
offices in San Antonio, Houston, Corpus Christi, Dallas–Fort
Worth, Austin and the Rio Grande Valley. The primary
focus of the Private Banking Department is to provide
financial advice for clients in the U.S. and Mexico
in personal and commercial loans, trusts, wealth management,
investments, and personal and commercial insurance.
Berain has 14 years of banking experience in the United
States and has been at Frost Bank since 2002. He holds
a bachelor’s degree in economics from Texas A&M
University. He also received a postgraduate degree from
the Southwestern Graduate School of Banking at Southern
Methodist University.
Jesús A. Cervantes González
Director of Economic Measurement
Banco de México
Cervantes has worked at Banco
de México since 1977. His department generates
Mexico’s trade balance and balance of payments
statistics, as well as several economic surveys, such
as the monthly Private Sector Consensus Forecast for
the Mexican economy, the Consumer Confidence Index (in
collaboration with Instituto Nacional de Estadística,
Geografía e Informática), and the monthly
Business Tendency Survey of the Manufacturing Sector.
The department also produces Banco de México’s
forecast for the real sector, which involves economic
activity (aggregate supply and demand, and employment)
and the external sector. Cervantes has published numerous
articles in Mexican economic journals on issues related
to international competitiveness. He has taught economics
at the Universidad Autónoma Metropolitana in
Mexico City for more than 15 years. He currently teaches
in the Department of Business and Economics at the Universidad
Anáhuac. Cervantes has a bachelor’s degree
in economics from the Universidad Autónoma de
Nuevo León and a master’s in economics
from El Colegio de México. He also has a master’s
and is a Ph.D. candidate in economics from the University
of Chicago.
Patrick D. Crilley
Director
Southwest Regional Office, Houston
Export–Import Bank of the United States
The Ex–Im Bank Southwest
Regional Office in Houston is responsible for business
development in the eight-state region of Arkansas, Colorado,
Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee
and Texas, with particular emphasis on outreach efforts
for the small business exporter community. Prior to
joining Ex–Im Bank in 1992, Crilley spent 13 years
in the specialized export credit insurance industry
with FCIA Management Co. (formerly known as Foreign
Credit Insurance Association), including assignments
in Atlanta, New York City and Houston. The Houston office
of Ex–Im Bank has been ranked one of the national
leaders in promoting export finance and export credit
insurance. Crilley is a member of the Greater Houston
Partnership World Trade Supervisory Board, the Houston
Federal Executive Board, the U.S. Department of Commerce
Houston District Export Council, the Houston Mayor’s
International Affairs and Development Council, and the
Houston Committee on Foreign Relations. Crilley holds
a bachelor’s degree in business from Indiana University
and an M.B.A. from Mercer University in Atlanta.
Carlos I. Garza
President and Chief Executive Officer
Inter National Bank, McAllen
Garza has more than 20 years
of banking experience in the Texas border town of McAllen.
He started his banking career with McAllen State Bank
as vice president and trust officer before moving to
Texas State Bank as executive vice president and senior
trust officer. He has been with Inter National Bank
since 1995 as president and chief executive officer.
He is also the president and chief executive officer
of Banorte USA Corp., where he manages its U.S. expansion
strategy. A former mayor pro-tem and city commissioner
of McAllen, Garza has been involved in numerous local
community development organizations. He is currently
the chairman of the McAllen Development Corp., the McAllen–Hidalgo
International Bridge Board and the Anzalduas Bridge
Board. Garza holds a B.B.A. in accounting from the University
of Texas
at Austin.
Yira Mascaró
Senior Financial Economist
World Bank
Working in the World Bank’s
Finance and Private Sector Development Unit of the Latin
America Region, Mascaró conducts extensive research
on remittances in the region’s financial sector.
Her research and operational experience covers the following
areas: access to finance in banking and capital markets,
remittances, microfinance, state-owned banks, bank regulation
and supervision, bank resolution and deposit insurance
systems, corporate restructuring, public debt and central
bank management. She recently co-authored a chapter
on remittances’ impact on financial development
in a World Bank regional study titled The Development
Impact of Workers’ Remittances in Latin America.
Mascaró holds a bachelor’s degree
in economics from the PUCMM in the Dominican Republic
and a master’s degree in economics and a Ph.D.
in applied economics from Ohio State University.
Marian Micu
Senior Researcher
Barclays Global Investors, San Francisco
Micu is senior currency researcher
in the global advanced active group of Barclays Global
Investors. He joined BGI in 2006 from the Bank for International
Settlements, where he was a research analyst specializing
in econometrics and financial modeling. Micu has held
visiting positions as lecturer with the Joint Vienna
Institute and assistant professor in applied econometrics
at the University of Paris. He also served as assistant
professor in international finance at the University
of Lausanne in Switzerland. Micu holds a Ph.D. in economics
from Sorbonne University in Paris.
Pascual O’Dogherty
Director of Financial Sector Analysis
Banco de México
At Banco de México,
O’Dogherty’s work includes research on financial
stability issues, financial sector regulation, and analysis
and credit and market risk assessments of financial
institutions. He joined Banco de México in 1987
and has held numerous positions, including director
of foreign exchange and director over open market operations.
He previously worked as research assistant at the Office
of Economic Advisors to the President of Mexico. O’Dogherty
has also taught courses in economics and finance at
Northwestern University and the Instituto Tecnológico
Autónomo de México. He has published articles
related to monetary policy instrumentation, foreign
exchange regulation, host–home countries supervisory
issues and competition in financial services. He has
served as a consultant for the International Monetary
Fund and the World Bank. O’Dogherty received a
B.A in economics from the Instituto Tecnológico
Autónomo de México and is a Ph.D. candidate
in economics at Northwestern University.
Susan Rico
Senior Vice President
Wells Fargo Bank, El Paso
As the senior vice president
for the Border Banking Region of Wells Fargo Bank, Rico
manages a team of bankers who provide crossborder financial
services to middle market companies located in Mexico.
Prior to joining Wells Fargo Bank in 1994, Rico was
an international bank examiner for the Miami Branch
of the Federal Reserve Bank of Atlanta, where she was
responsible for examining bank agencies primarily from
Latin American countries. Rico holds a bachelor’s
degree from the University of Texas at El Paso and an
M.B.A. from the University of Miami in Coral Gables.
Andrés Rivas
Assistant Professor
Texas A&M International University, Laredo
Rivas teaches a variety of
finance and economics courses, which include global
bank management, strategic financial management, commercial
bank management and managerial economics. His research
interests are international finance, banking, derivatives
and emerging markets. His work has been published in
numerous journals, including Global Business and
Finance Review, International Business and Economics
Research Journal and Análisis Económico.
Rivas was previously an assistant professor at the Universidad
de Oriente in Venezuela. He was also a lecturer at the
University of Texas–Pan American and the University
of Texas at Brownsville. Rivas holds a bachelor’s
degree from the Universidad de Oriente and an M.B.A.
from Edgewood College in Wisconsin. He earned his Ph.D.
in international business with a concentration in finance
from the University of Texas–Pan
American.
Harvey Rosenblum
Executive Vice President and Director of Research
Federal Reserve Bank of Dallas
In his role at the Dallas
Fed, Rosenblum serves as economic policy advisor to
the Bank’s president and as an associate economist
for the Federal Open Market Committee, which formulates
the nation’s monetary policy. Rosenblum is a past
president and a member of the executive committee of
the board of directors of the National Association for
Business Economics. He is currently serving as executive
director of the North American Economics and Finance
Association. He also is a member of the Product Development
and Small Business Incubator Board, appointed by the
governor of Texas. A widely recognized expert on both
the national and Texas economies, Rosenblum has written
articles for such publications as The Journal of
Finance, New York Times, Southwest Economy and
The Handbook of Banking Strategy. Rosenblum
is a visiting professor of finance at Southern Methodist
University, teaching courses on financial institutions
and markets and on contemporary issues in monetary policy.
His current research interests focus on monetary policy,
inflation and the growing impact of globalization on
the U.S. economy and businesses. Rosenblum received
a B.A. in economics from the University of Connecticut
and a Ph.D. in economics from the University of California,
Santa Barbara.
Manuel Sánchez Rodríguez
President and Chief Executive Officer
Laredo National Bank
Sánchez started his
banking career with Banco Bilbao Vizcaya Argentaria
in 1990 and has worked in Madrid, Paris, New York and
Mexico City. His areas of expertise include risk management,
corporate and commercial banking, investments and real
estate. He has served on the board of directors for
Alestra–AT&T Mexico, Hoteles Presidente, Cintra
and Bancomer Transfer Services. Currently he is a member
of the executive committee of the Laredo Chamber of
Commerce. Sánchez holds a master’s degree
in international relations from the London School of
Economics and Political Science. He also holds economics
degrees from Yale University and Collège d’
Europe in Bruges, Belgium.
Edward Skelton
International Financial Analyst
Federal Reserve Bank of Dallas
Skelton’s research
at the Dallas Fed, where he has worked since 1996, focuses
on the Mexican economy and financial system. This work
supports the Federal Reserve’s supervision of
foreign banks with offices in the United States. He
is also an adjunct faculty member at Southern Methodist
University, where he teaches economics and has received
numerous awards for teaching excellence. Skelton received
a B.B.A. in economics from Baylor University and an
M.A. in economics from Southern Methodist University.
Carlos Vargas-Silva
Postdoctoral Fellow
University of Vermont
Vargas-Silva is the George
Washington Henderson Research Fellow at the University
of Vermont. His research interests are workers’
remittances, migration, exchange rates, monetary policy
and housing. Vargas-Silva focuses on examining the relationship
between remittances and the macroeconomic variables
of the remittance-receiving countries. He also analyzes
the impact of demographic factors on the amounts remitted.
Recent publications include “Macroeconomic Determinants
of Workers’ Remittances: Host versus Home Country’s
Economic Conditions” in the Journal of International
Trade and Economic Development. He holds bachelor’s
and master’s degrees from the University of Puerto
Rico as well as a master’s and Ph.D. from Western
Michigan University.
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