For more than 200 years Banco do Brasil S.A., BB Americas sole shareholder, has offered high standard products and services to clients in Latin America and in more than 24 countries worldwide.
In 2012, the bank expanded its model of qualify and service to the U.S. market and BB Americas was opened to deliver innovative solutions with personalized services in English, Portuguese and Spanish.
Financial services offered by BB Americas include personal and business checking, savings, prepaid cards, and money market accounts; CDs; Romero Britto-designed debit and credit cards; domestic and international fund transfers, and a full line of residential and commercial loads.
BB Americas continues the proud tradition of its parent company through supporting local education, culture, and sports through community outreach, financial support, philanthropic and volunteer work.
BB Americas is a bank committed to excellence with social conscience, serving our diverse communities with innovativie financial solutions.
To be recognized as a committed, reliable and innovative partner to our clients, associates, shareholders and multi-cultural communities.
The Essence of BB Americas was built upon the concept of a Competitive Bank with focus on the Community. BB Americas chose to express it through its Belief, Vision, Mission and Values.
A Community that is good for everyone requires Involvement from each one of us.
We want to take the leading role in the development of the communities we serve.
To effectively achieve the success of BB Americas, we strive to maintain a collaborative attitude.
Ethics is the inspiration and the condition of our personal and institutional behavior.
We value responsibility for our actions and decisions we make within the Bank and towards the communities.
We consistently optimize available resources to create value for all stakeholders.
We appreciate the richness of diversity that exists among our associates and within communities.
We cultivate a culture of innovation as a foundation of our longevity.
We believe in the potential of everyone and in their ability to contribute to the evolution of society.
Julio Tozzo Pereira serves as Chairman of the Board of Directors of BB Americas.
Mr. Pereira currently serves as General Manager of Related Entities Governance Division accountable for managing investments Banco do Brasil S.A. holds in financial services companies in Brazil and abroad.
Since joining Banco do Brasil S.A. in 1984, Mr. Pereira has served 15 years in the International Business Division working with trade finance, portfolio management and treasury, serving as head of the international treasury. He also served as manager of Banco do Brasil S.A. Tokyo Branch (Japan) having been responsible for treasury, corporate banking, retail banking, HR, accounting and logistics.
Mr. Pereira most recently has been involved in projects related to mergers and acquisitions for Banco do Brasil S.A..
Mr. Pereira holds a Bachelor’s degree in Business Administration, a MBA in Finance and a MBA in Corporate Governance.
C. Wayne Crowell serves as a member of the Board of Directors of BB Americas and chairs the Audit Committee.
With more than 43 banking experience, Mr. Crowell has been directly involved in community and regional bank supervision. His experience includes a wide-variety of banking activities including: asset quality, loan review, enterprise-wide risk management, corporate governance and consumer compliance.
Mr. Crowell was previously the Assistant Deputy Comptroller for Bank Supervision for the South Florida Office of the Comptroller of the Currency (OCC). In that role he was directly responsible for the regulatory supervision of more than 30 community banks with total assets from $100 million to $5 billion, with domestic and international activities. He was the Chair of the Southern District’s Risk Committee and a member of the OCC’s National Risk Committee. He was also a member of the Southern District Supervisory Review Committee responsible for recommending regulatory enforcement approaches for the District’s troubled community banks. He served as an instructor for a variety of examiner training schools including the credit analytics, commercial real estate lending, the allowance for loan losses and consumer compliance.
Mr. Crowell received a commission as a National Bank Examiner in 1978 and served as the Examiner in Charge of a number of regional and complex community banks.
For the past 8 years Mr. Crowell has been a consultant assisting community banks. He has provided guidance to boards and management in achieving and maintaining sound financial and managerial condition. He also provides loan review and due diligence services to several community banks.
Mr. Crowell earned a bachelor's degree in accounting and finance from Florida State University. He is also a graduate of the School of Banking of the South at Louisiana State University.
Diane de Vries Ashley began her career in New York City at Bankers Trust Company, now Deutsche Bank, after College at Tufts University and extensive courses in Art History at Columbia University. After Credit Training, and on the job training, Ms. Ashley accepted an invitation to move to Brasil to become the bank’s first female Senior Representative, based in Sao Paulo, Brasil. Five years moved her back to the US and on to several other financial institutions both in New York and Miami Florida, but still continuing to move up the corporate ladder, to management jobs.
During her career, Ms. Ashley also consulted on such wide-ranging topics as International Private Banking, Anti-money Laundering Compliance among others.
She was invited to join the staff of Bank of America as head of the Private Bank for Miami-Dade/Monroe Counties, a management and sales position. She became very involved in the community and spent time dedicated to non-profit boards such as Florida Grand Opera, Miami Art Museum, Jackson Memorial Foundation, Miami Music Project, Arts for Learning, among others.
Today, Diane de Vries Ashley still participates on non-profit boards, and is a member of International Women’s Forum, Florida International Bankers Association (and former President). What takes up most of her time today is a dual focus on teaching financial courses for FIU School of Business’ Executive MBA program overseas (taught in Spanish) and being an outside Director of BB Americas (BBA), a paid directorship
She is fluent in five languages and holds numerous Securities and Supervisory licences.
EMMANUEL N. ROUSSAKIS is Emeritus Professor of Finance at the College of Business of Florida International University in Miami, Florida. He is also a recipient of several U.S. Department of State awards-- Fulbright Specialist in Morocco (2014), Indonesia (2013) and Russia (2012), Lecturer at the Fulbright International Summer Institute in Bulgaria (2011), and Fulbright Scholar in Romania (2010).
Dr. Roussakis has taught at universities in this country and abroad, worked for American and European banks, served in an advisory capacity to government agencies in the United States and Europe. He was co-recipient of a Florida State Research (STAR) grant for the study of international banking legislation and taxation; study recommendations were the basis for legislative changes implemented in Florida in July 1979 and June 1980 respectively.
Dr. Roussakis has published widely on banking subjects, and his articles have appeared in academic and professional journals in the United States, Europe and Latin America. He is the author of Friedrich List, the Zollverein and the Uniting of Europe (College of Europe Press, 1968), Managing Commercial Bank Funds (Praeger, 1977), Miami's International Banking Community: Foreign Banks, Edge Act Corporations and Local Banks (Peat, Marwick, Mitchell & Co., 1981), and Commercial Banking in an Era of Deregulation, 3rd edition (Praeger, 1997). Dr. Roussakis is also the editor of, and contributor to, International Lending by U.S. Commercial Banks: A Casebook (Praeger, 1981), International Banking: Principles and Practices (Praeger, 1983), and Cases in Commercial Bank Management (Kolb Publishing Co., 1994). His book Commercial Banking in an Era of Deregulation, 2nd edition, was translated into Chinese and published by the China Price Publishing, Beijing, in 1992.
During his tenure at Florida International University, he was instrumental in establishing the department of Finance and developing its banking curriculum. He taught graduate and undergraduate courses in commercial and international banking and global financial strategy, and developed and directed certificate programs and courses/seminars for professionals in the financial industry. He has lectured bank managers and trainees in development programs in the United States and abroad, and on several occasions he offered expert testimony in bank litigation For his many and varied contributions to FIU and the community at large, he received 9 awards for exceptional performance in teaching, scholarship and service.
In the course of his FIU tenure he served as department Chair (2000-2003), was awarded the Florida International Bankers Association (FIBA) endowed chair in Finance (1999-2003), and was the downtown Director of the Professional MBA, and the Master of Science in Finance (2006-2010). In the course of a three-year interval (2003-2006) he was Dean of the School of Business at the University of Nicosia, the largest private graduate and undergraduate educational institution in Cyprus.
Dr. Roussakis holds degrees from the University of Athens, Atlanta University, the College of Europe, and the Catholic University of Leuven where he received his doctorate in economics. He speaks fluently English and Greek, and has knowledge of French, Spanish and Arabic.
Leonard Whyte is responsible for Operations, Accounting, Information Technology, Human Resources and Consumer, and Regulatory Compliance at BB Americas. He has been with Banco do Brasil S.A. since 1990, first as Controller and Compliance Officer until 1997 when he became the US Auditing Division Manager. In 2000 he became Deputy General Manager of Banco do Brasil S.A.’s New York branch until taking his current position at BB Americas. Prior to joining Banco do Brasil S.A., Mr. Whyte was a Senior Credit Analyst at a major bank in Florida and served as a Senior Financial Examiner with the Division of Banking of the former Department of Banking and Finance (now the Florida Office of Financial Regulation). He graduated with an MSc in Economics from the London School of Economics & Political Science, University of London.
Tereza Raquel Vieira da Costa serves as the Executive Vice President of Risk and Compliance at Banco do Brasil Americas.
Tereza Raquel Vieira da Costa is a Banco do Brasil S.A. employee with over 30 years of experience, mostly in Internal Controls and Risk. Prior to joining BB Americas, she worked for two years as General Manager of Operational Risk and for ten years as Executive Manager of the Department of Internal Controls.
During this period she was recognized for successfully implementing Sarbanes-Oxley standards in Banco do Brasil S.A. and its affiliated entities (ELBB), contributing to the improvement and effectiveness of internal controls and operational risk management.
Ms. Costa holds a Bachelors in Civil Engineering and has a Master's Degree in Finance by the Universidade Federal da Paraíba (UFPB) in Brazil. Additionally Ms. Costa is a certified Board of Directors member by IBGC (Brazilian Institute of Corporate Governance).
David Konfino joined BB Americas in January 2012, just prior to its acquisition of EuroBank. He was initially tasked with assessing the acquired bank’s loan portfolio and the sale of all troubled and OREO assets. Thereafter he established the Lending and Credit Divisions of the Bank and hired the initial staff for both units. Since commencement of lending functions in 2012 the Bank’s loan portfolio has grown to over $400 million consisting of commercial, residential and retail loans. Mr. Konfino’s banking career spans over 40 years and includes executive leadership positions in domestic and international banking with large regional and community banks in both Miami and Atlanta. Mr. Konfino is a past president of the Florida International Bankers Association as well as past president of the Zoological Society of Florida.
Pamela Kohl serves as Executive Vice President, Chief Products and Marketing Officer, at BB Americas. Joining the executive leadership team in 2012, Ms. Kohl is directly responsible for both the product set offered at the bank as well as traditional and digital marketing strategies. In addition to developing core banking services, Ms. Kohl has established a denovo prepaid card program, credit card program, and global payments platform.
Ms. Kohl brings 20+ years’ experience in financial services, predominantly in the disciplines of marketing, product development, and sales strategy.
Ms. Kohl is an Alumni Ambassador for the Horatio Alger Association and serves as Chair of the Women’s Leadership Committee at the Florida International Bankers Association (FIBA).
Ms. Kohl obtained her Bachelor of Arts from Marshall University, in Huntington, West Virginia, summa cum laude. She earned a Master of Arts from the University of Miami, in Coral Gables, Florida, graduating with highest honors. Ms. Kohl has also studied at Oxford University in Oxford, England, and the University of Valencia, in Valencia, Spain, and recently earned a certificate in Strategic Marketing from The University of Chicago Booth School of Business, in Chicago, Illinois.